Home Loan Tips & Resources

Saving a house deposit is the slow part of buying a home. The good news is there are practical ways to speed it up. Related: what counts as genuine savings for your deposit Related: see exactly how much deposit you’ll […]

Most people budget for the deposit and the mortgage repayment. Then the first rates notice lands and the maths shifts. The hidden costs of owning a home are the ones nobody quotes you at an open home. Rates, water, insurance, […]

If you are thinking about buying in Geelong, home loan pre-approval is the first real step. Not scrolling listings. Not booking inspections. This. Related: understanding the contract of sale before you’re pre-approved Related: how to make an offer once you’re […]

If you are trying to make sense of the types of home loans on offer, you are not alone. Most people come to us knowing they want to borrow, but not how the loan should be structured. This guide walks […]

You have a pre-approval letter in your inbox. It feels like a green light. Here is the hard truth: not all pre-approvals are equal. Some have been properly assessed by a human. Others are automated estimates that can fall over […]

You punch your income into a bank’s borrowing power calculator and it spits out a number. No working. No explanation. Just a figure that somehow feels too low. If you want to understand how lenders calculate how much you can […]

If a lender or broker has quoted you an “LMI premium” and you are not sure what you are actually paying for, you are not alone. Here is the short version of how lenders mortgage insurance works. You pay it, […]

If you’re planning a home loan, your credit card limit matters more than you might expect. It can quietly cut your borrowing power by tens of thousands of dollars before you’ve even applied. Related: how your credit score can affect […]

You spot a home loan advertised at a sharp rate. It looks like the best deal going. But the advertised rate only tells you part of the story. The real question is what the loan actually costs you over a […]

Waiting for home prices to ‘bottom out’ before buying may seem like a smart strategy but it could work against you. Here are the risks of holding out and hoping for lower prices. It’s no secret that some of the […]