Offset vs Redraw Facility: What’s the Difference and Why It Matters
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 you…
Mortgage and Home Loan Blog: Tips, Guides and Insights
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The Bank Said No. What Now?
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 service…
Why Has My Borrowing Capacity Reduced?
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…
Genuine Savings Explained
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…
Does HECS Debt Reduce Your Home Loan Borrowing Capacity?
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,…
First Home Guarantee Scheme: Complete 2026 Guide
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.…
Federal Budget 2026: What It Means for Home Buyers, Property Investors and Borrowers
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…
RBA Rate Rises in 2026: 6 Ways to Save on Your Home Loan
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…
Renovation and Construction Costs: How to Budget and Finance Your Project
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…