Home Loan Tips & Resources

More bad news for mortgage holders around the country: the Reserve Bank of Australia (RBA) today raised the cash rate for the second time this year to 4.10% in a 5-4 split decision vote. How might this impact your monthly […]

Who wouldn’t want to save on home loan interest and pay off their mortgage faster? Homeowners are increasingly turning to offset accounts to do just that. So today we’ll look into whether an offset account could benefit you. Related: how […]

As home prices climb higher, first home buyers can feel like the goal posts are continually shifting further out of reach. But there is a way to potentially cut years off the time taken to buy a home. Related: the […]

Sure, saving a deposit is important, but your income can hold the real key to getting into the market. That’s because it shapes your borrowing power. Related: the true cost of buying a house once you factor in ongoing expenses […]

Growing numbers of younger Australians are opting for regional living, and part of the lure of a ‘seachange’ or ‘treechange’ can be the chance to get more bang for your buck. As property values climb higher, the median home price […]

If you’re looking at the First Home Guarantee, you’ve probably heard it now has unlimited places and no income caps. What you might not have heard is that the scheme still runs on strict deadlines. 14 days to get your […]

If you’ve recently received your permanent residency, the First Home Guarantee is now open to you. Buy with a 5% deposit and skip Lenders Mortgage Insurance entirely. That alone saves most buyers tens of thousands of dollars. If you’re buying […]

The October 2025 changes removed income caps and place limits from the First Home Guarantee, but they didn’t simplify the paperwork. The scheme still has its own documentation requirements on top of what your lender asks for, and some of […]

When you buy under the First Home Guarantee, both your purchase price and the bank’s valuation need to fall under the property price cap. Most people only think about the purchase price, but the valuation is a separate assessment and […]

If you’ve owned property overseas and you’re looking at using the First Home Guarantee to buy your first home in Australia, you might assume that history counts against you. That assumption is understandable, but the scheme only assesses Australian property […]