Home loan insights.
Plain-English takes on rates, refinancing, buying strategy and the Australian property market.
How to consolidate without stretching your debt over 25 years
The one decision that separates a smart consolidation from an expensive one: what you do with your repayments after the debts roll in.
Can you consolidate debt when money is tight?
The people who most need consolidation often worry they won't qualify. Sometimes the application is stronger than it feels — here's how lenders see it.
Debt consolidation into your home loan: the 2026 guide
Rolling cards, personal loans and car loans into your mortgage can slash repayments — or quietly double the interest. How to get the good version.
RBA holds at 4.35%: what the next two years look like for borrowers
The RBA's August statement maps out a slow grind: inflation not back at target until 2028, growth subdued, and rates on hold with a bias to hike. What it means for your loan.
The real cost of credit card debt in 2026
Australians are paying interest on $21.56 billion of card debt at an average 18.61% p.a. Here's what that rate actually does — and the ways out.
First Home Guarantee in 2026: buying with a 5% deposit
No income caps, no place limits, a $1.5m Sydney price cap — how the expanded First Home Guarantee works in 2026, and what it actually saves you.
How much deposit do you really need in 2026?
20%? 10%? 5%? Even 2%? What each deposit level costs and unlocks in 2026 — LMI, the guarantee schemes, and the super saver route, explained.
Buying your first home in 2026: the complete guide
Deposits, government schemes, pre-approval, stamp duty — the whole first-home journey in one place, updated for the 2026 rules.
NSW stamp duty for first home buyers in 2026
Zero transfer duty up to $800k, a sliding concession to $1m, and land rules for builders — how the NSW First Home Buyers Assistance Scheme works in 2026.
Rates went back up. Is your home loan still competitive?
Three RBA cuts in 2025, three hikes in 2026. After a round trip like that, the gap between the average rate and the best rates has rarely mattered more.
Refinancing in 2026: the complete guide
Rates went down, then back up. Here's how refinancing works in 2026 — when it's worth it, what it costs, and how to tell if your loan is still competitive.
Stuck in 'mortgage prison'? Your options in 2026
When you can't refinance — serviceability buffers, thin equity, changed circumstances — you still have moves. Here are the ones that actually work.
What does refinancing actually cost?
Discharge fees, application fees, government charges — and the break-even point that tells you whether switching is worth it. Real numbers, worked through.
Myth buster: do weekly repayments pay off an offset loan faster?
There’s a common misconception around offset account home loans that making loan repayments more frequently helps to pay off the balance much sooner.…
RBA cuts the cash rate for the first time since 2020
Finally, a long-awaited reprieve for borrowers. The Reserve Bank of Australia has today cut the cash rate by 25 basis points to 4.10%. How much could…
Could rate cuts mean house prices heat up again?
Thinking of holding off buying until interest rates fall? Wait until you see what could happen to home prices. Here’s why it could make sense to buy…
Why 9 out of 10 first-home buyers use a mortgage broker
Remember the first time you stepped into a gym? It’s unlikely you swaggered your way over to the free weights rack and started busting out squats.…
TikTok vs talking to your broker? It’s no contest
TikTok and Instagram reels are fun, fast and free – but it’s important to be picky about whose content you’re viewing, especially if you’re in the…
Fixed rates tumble: a sign of things to come?
When will interest rates fall? It’s the question everyone is asking right now, and while speculation swirls about future rate cuts, the latest moves in…
The home loan feature 70% of new borrowers are hooked on
When it comes to home loan features we’re spoiled for choice. Even basic loans can come with a fisherman’s basket full of options. But one feature in…
How much has your home’s value risen by?
We’ve all heard the rule of thumb about property being a long-term investment. Well, get this: many home owners have seen the value of their property…