After dropping and holding steady through 2025, the RBA lifted the cash rate three times between February and May 2026. This took it from 3.60% to 4.35%. Three rises in…
Most buyers assume they need a 20% deposit before a lender will even look at them. That number gets repeated so often it starts to feel like a rule. It…
Most borrowers know that offset and redraw facilities help reduce the interest on their home loan. Fewer know how differently they work – and how badly a mix-up can cost…
Hearing the word “declined” from a lender can feel like a door slamming shut – especially when you’ve done everything right, saved your deposit, and genuinely believe you can comfortably…
If you’ve sat down with a borrowing calculator lately and come away feeling like something’s off – or found yourself googling “why has my borrowing capacity reduced” – you’re not…
If you’re saving for a home deposit, you may have come across the term “genuine savings” and wondered exactly what it means – and whether your savings qualify. It’s one…
What every Australian graduate needs to know before applying for a mortgage – does HECS debt reduce your borrowing capacity, and by how much. You studied hard, graduated, built a…
Saving a 20% deposit while paying rent has never been easy. For many Australians, that finish line keeps moving. Often by the time you’ve saved enough, prices have risen again.…
It has been a big few weeks in Australian finance. The Reserve Bank of Australia (RBA) has delivered its third consecutive rate rise in 2026, and the Federal Budget has…