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Straight-talking home loan insights from our brokers — no jargon, no sales pitch.

First home buyer and parents reviewing a guarantor home loan strategy at a kitchen table in Australia

GuidesOctober 12, 2026

Beyond the Bank of Mum and Dad: A 2026 Strategic Guide to Guarantor Loans

Guarantor loans are becoming a more important pathway for first home buyers as prices rise and deposits get harder to build. This guide explains how a guarantor home loan works in Australia, the risks for both sides, and how to structure it with an exit plan from day one.

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Property investor reviewing loan options amid tighter rental regulations in Australia

GuidesOctober 10, 2026

The Great Landlord Squeeze: Navigating Australia's New Rental Regulations and Investment Loan Hurdles

Australia’s rental market still looks strong on paper, but investors now face a more complicated finance environment. Here’s how to approach an investment property loan in Australia when lender scrutiny and regulatory risk are both rising.

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Australian homeowner reviewing green home loan options after energy-efficiency upgrades

GuidesOctober 5, 2026

Green Mortgages Unlocked: How an Energy Efficiency Upgrade Could Be Your Secret Weapon Against High Interest Rates

Green mortgages are no longer just an ethical option. For Australian homeowners, they may now offer a practical way to reduce repayments and improve long-term property value through targeted energy upgrades.

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Homeowner reviewing credit card and personal loan debts while considering mortgage debt consolidation in Australia

GuidesOctober 2, 2026

The Great Unwind: Strategically Consolidating Consumer Debt As Lender Scrutiny Intensifies

For homeowners juggling credit cards and personal loans, consolidating debt into a mortgage can be a useful reset — but timing, structure and lender policy now matter more than ever. Here’s how to assess the opportunity without losing sight of the long-term risks.

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NewsSeptember 28, 2026

Unlocking Your Borrowing Power: How APRA's Proposed Serviceability Buffer Change Could Reshape Your 2027 Property Goals

APRA is consulting on a proposed reduction to the home loan serviceability buffer from 3.0% to 2.5%. If adopted, the change could modestly improve borrowing capacity for many buyers and refinancers heading into 2027.

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Business owner reviewing options to consolidate ATO debt into a home loan using property equity

GuidesSeptember 21, 2026

Taming the Taxman: A Strategic Guide to Consolidating ATO Debt with Your Mortgage

For some homeowners, using equity to clear tax debt can be a strategic move rather than a last resort. Here’s how consolidating ATO debt into your mortgage works, what has changed in 2026, and what to weigh up before refinancing.

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Self-employed borrower reviewing full doc and alt doc home loan paperwork in 2026

GuidesSeptember 17, 2026

The New Doc Dilemma: A Self-Employed Borrower's Guide to Securing Finance in 2026

Self-employed borrowers are facing tighter bank scrutiny in 2026, especially where income is uneven or ATO debt is involved. This guide explains the difference between full doc and alt doc pathways, what documents lenders usually want, and how to prepare before you apply.

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Experienced SMSF trustees reviewing LRBA property loan options as interest rates ease

GuidesSeptember 14, 2026

The SMSF Awakening: Navigating New LRBA Opportunities as Interest Rates Ease

As rates begin to ease, experienced SMSF trustees are revisiting leveraged property after a long period on the sidelines. This guide explains what has changed, what lenders want now, and how to approach an SMSF property investment loan strategically.

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First home buyer reviewing Future Homes Grant eligibility for a new energy-efficient home

GuidesSeptember 9, 2026

Future Homes Grant Deep Dive: Is the Government's New Scheme Really Helping First Home Buyers?

Eight months in, the Future Homes Grant is attracting attention from first home buyers, lenders and critics alike. Here’s what future homes grant eligibility really means in practice, and whether the scheme is delivering on its promise.

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Homeowner reviewing refinance options during a tougher mortgage serviceability environment in Australia

GuidesSeptember 9, 2026

Navigating the Serviceability Squeeze: How to Refinance in a Tough Lending Environment

Many borrowers are stuck on uncompetitive variable rates because they can’t pass today’s tougher serviceability tests. Here’s a practical guide to improving borrowing capacity and exploring realistic refinance options.

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BlogJuly 14, 2024

The First Home Guarantee Explained

The First Home Guarantee is a government initiative designed to help eligible first-home buyers purchase a property with just a 5% deposit. This can be a game-changer...

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FinanceJuly 11, 2024

Discover the Average New Home Loan in Your State and Tips to Lower Your Balance!

As property prices reach new heights across many cities, new home loan balances are also soaring. Today, we'll reveal the 'average' new home loan in your state...

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FinanceJune 19, 2024

Rate Cuts?

With speculation mounting about when the RBA will move on rates, here's what a potential cut could mean for your repayments and borrowing power...

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