Home Loans

Paying off your mortgage early will save you money and take a financial load off your shoulders. Here are some ways to get rid of your mortgage debt faster. Switch to fortnightly payments If you’re currently paying monthly, consider switching to fortnightly repayments. By paying half the monthly amount every […]

For the first time ever, the Australian banking regulator has announced it will impose new debt-to-income limits on housing loans made by banks. Such limits are a common tool used by regulators in other nations – including the United Kingdom, Ireland, New Zealand and Canada – to cool housing market lending. The aim is

What difference could a lower home loan rate make? Eight times a year the Reserve Bank of Australia (RBA) Monetary Policy Boards meets to decide whether to increase, decrease, or maintain the cash rate. The decision that it makes each time flows through to home loan interest rates. It’s important

Among all the voices analysing the Australian property market, you’ve probably heard many truisms about how to secure a home loan. The real truth is that there are lots of options. We thought it was time to correct some frequent misconceptions we hear from our clients. Hopefully this will help

Buying a home is a huge milestone and usually a pretty exciting one. It is also one of the biggest financial transactions most people will ever make, which unfortunately makes it a prime target for scammers. One scam in particular, known as a property payment redirection scam or settlement scam,

A mortgage is a long-term commitment, which many people enter with a ‘set and forget’ mentality. Most loans are around 30 years – during which many things can change, not just in your personal circumstances but in the financial world, with the new loan products and fluctuations in interest rates.

Navigating the money side of buying a home can be daunting – especially if it’s your first time. Unless you’ve recently come into a small fortune, you’ll need to have saved a deposit and take out a home loan. That means engaging with the world of banks and mortgage brokers, and grappling

If you’re thinking about buying a home in Australia right now, one of the first things a lender will look at is your loan serviceability. For most new loan applicants, lending standards generally remain strict. This is partly due to the persistent three per cent buffer, a rule from the

In November 2025, the Australian Prudential Regulation Authority (APRA) announced major changes to the Debt-To-Income (DTI) lending criteria that will be introduced on 1 February 2026. In this article, we will explain what’s happening, why, and what it means for borrowers and the overall housing market. Introducing the changes For

It’s tempting to put price above everything else when choosing insurance for your property. However, whether you’ve just taken out a new mortgage or are hunting for a better deal, making sure you have enough of the right sort of cover is just as important. Here are the main insurance