Please note: this article was published in June 2026 and updated on 1 October 2026 to reflect the Reserve Bank’s September rate rise and that the negative gearing and capital gains tax changes are now law. Interest rates and lender…
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 of the more commonly misunderstood parts of the home loan application…
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 career, and now you’re ready to buy a home. But there’s…
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. The First Home Guarantee exists to break that cycle. It’s…
Update, 29 September 2026: the negative gearing and capital gains tax changes covered here are now law, according to the ATO. For the full, current rules, see our guide to the negative gearing changes from 1 July 2027. The 2026…
Updated 1 October 2026: this article was first published in May 2026 and has been updated to cover every RBA rate rise in 2026, including the September decision. Interest rates and lender policies change often, so contact us for the…
If you’ve been thinking about a renovation or new build, you’ve probably noticed that the financial picture feels a little uncertain right now. You’re not alone. It’s one of the most common topics we’re hearing about from clients at the…
Updated 1 October 2026. We’ve refreshed this article to reflect the measures in place now, starting with the card surcharge ban that began today. With the RBA lifting the cash rate four times this year, most recently to 4.60% on…
Getting a home loan approved in Australia involves more than simply showing a payslip. Lenders apply their own internal policies to determine how much of your income they will actually count, and the rules vary significantly depending on your employment…
Struggling With Multiple Debts? You’re Not Alone If you’re managing a credit card, a personal loan, a car payment, and an Afterpay balance simultaneously, you’re not alone. You’re probably spending more time and money on debt administration than you realise.…