Home Loan Tips & Resources

So it turns out some mortgage offset accounts haven’t been working as intended, according to a recent investigation. Here’s how to check if your home loan offset account has actually been helping you save. Related: how an offset account actually […]

Most advice on how to get loan ready for a home loan is generic and static. Save consistently. Pay your bills. Avoid new debt. All true. But nobody tells you when to start or what changes first. So here is […]

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: getting a home loan approved while on maternity leave Related: understanding the contract of sale before […]

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. Related: how self-employed income gets assessed for borrowing power If you want […]

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. Related: whether a professional LMI waiver could apply to you Here is the short […]

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 […]