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Practical articles on Australian property finance, market updates, and the questions our clients actually ask. Updated weekly.
First home buyers may purchase with as little as a 5% deposit under the government's 5% Deposit Scheme, without paying LMI. Here's how the numbers work.
Most lenders want lodged tax returns and notices of assessment, not just bank statements. What to have ready — and the alternatives if your financials aren't current.
You can still get the full FBT exemption on an eligible electric car until 31 March 2027, after which only EVs costing $75,000 or less keep the 100% benefit — so if the numbers stack up, financing before the deadline can lock in the saving.
After three straight rate rises in 2026 the RBA is holding at 4.35%, and another hike is a live risk — here's what higher-for-longer rates mean for your repayments and when refinancing or restructuring actually helps.
Yes — Victoria has extended its temporary off-the-plan stamp duty concession to 21 April 2027, and it is open to all buyers including investors, companies and trusts on strata apartments and townhouses of any value. It cuts duty by excluding post-contract construction costs from the dutiable value.
Yes, but less than before: the one-off 20% cut to student debt and APRA's June 2025 rule change can improve your borrowing power, though banks still count your HELP repayments in serviceability unless you're near paying it off. Here's what actually changed and how to position your application.
Rolling a car loan, credit card or personal loan into your mortgage can cut monthly repayments because home loan rates (~6%) sit far below credit card rates near 21%. But it converts unsecured debt into debt secured against your home and, spread over 30 years, can cost more in total interest.
Your borrowing power in 2026 is shaped by APRA's 3-percentage-point serviceability buffer and where rates sit now — but a family guarantee can lift it if you understand the risks. Here's how much you can realistically borrow and when a guarantor makes sense.
From 1 July 2027, negative gearing ends for established investment homes bought after 12 May 2026 — but new builds are exempt. Here's what it means for investors.
Need a new vehicle, machine or fit-out for your business? Asset finance and a general business loan solve the same problem in very different ways — and the right choice affects your cash flow and your tax.
A large number of fixed-rate loans roll off in 2026. If yours is one of them, the months before expiry are when you have the most leverage — and the most to lose by doing nothing.
If you've owned your home for a few years, you may be sitting on enough usable equity to fund the deposit on an investment property — without touching your savings. Here's how it works in 2026.
The federal First Home Guarantee lets eligible buyers purchase with a 5% deposit and avoid LMI entirely. Here's how it actually works in 2026 — and where the catches are.
Fixed rates have moved meaningfully in 2026. Here's how we're thinking about the fix vs variable decision for clients right now — and the structural questions that matter more than the rate.
Self-employed borrowers face tougher lender scrutiny than PAYG. Here are five practical tips that have made the biggest difference for our self-employed clients getting approved at favourable rates.
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