Does HECS debt affect your home loan? What changed in 2025-26 On this page ▾ Does HECS affect your home loan? The short answer What is HECS-HELP debt and why lenders treat it differently How HECS reduces your borrowing power The 2025-26 HECS changes every borrower should know Which lenders apply the HECS serviceability carve-out…
LMI Waivers for Nurses and Healthcare Workers: Lender-by-Lender Guide for 2026 On this page ▾ What is an LMI waiver, and why nurses now qualify Which lenders waive LMI for nurses in 2026 Which healthcare professions qualify How much can you save by skipping LMI? Income evidence: what lenders actually want to see Should you…
Mortgage broker vs bank: which gets you the better home loan? On this page ▾ The core difference: one lender vs a panel of 52+ How do mortgage brokers get paid? The commission breakdown in dollars Clawback explained, and why it actually protects you What Best Interests Duty (BID) legally requires that a bank employee…
On 12 May 2026, Treasurer Jim Chalmers delivered a Federal Budget that will reshape property investment in Australia. The negative gearing changes announced that night are the most significant reform to residential investment taxation in decades. Combined with new capital gains tax rules and a minimum tax on discretionary trusts, the package changes the numbers…
SMSF Property Loans in Australia: A Broker’s Guide to Limited Recourse Borrowing On this page ▾ What an SMSF Property Loan Actually Is (And Why It’s Structurally Different) Who Can Use One: Compliance Gates and the Sole-Purpose Test SMSF Property Loan Rates in 2026 (And Why They’re Higher Than a Standard Investor Loan) How Lenders…
Investment property depreciation in 2026: what every property investor needs to know before applying for a loan On this page ▾ What investment property depreciation actually is, in plain English The 2017 rule change every existing investor needs to know New build vs established: a side-by-side cash-flow comparison How depreciation affects your borrowing capacity and…
Should I fix my home loan in 2026? A mortgage broker’s view after the May RBA hike On this page ▾ What the May 2026 RBA hike actually means for borrowers How to read lender fixed-rate movements as an RBA signal Fixed vs variable in a hiking cycle: when each wins Split loans: the hedge…
Stamp Duty by State in Australia: 2026 Comparison On this page ▾ How Stamp Duty Works in Australia Stamp Duty Rates by State at a Glance New South Wales (NSW) Transfer Duty Victoria (VIC) Land Transfer Duty Queensland (QLD) Transfer Duty Western Australia (WA) Transfer Duty South Australia (SA) Stamp Duty Tasmania (TAS) Property Transfer…
Buying a Second Home with Equity: How It Works in Australia On this page ▾ How does equity work when buying a second home? How much usable equity do you have? Three ways to access your equity Second home vs investment property: what changes for the loan Cross-collateralisation vs separate security Worked example: using $250,000…
House and Land Package Financing in NSW: A Broker’s Guide On this page ▾ What is a house and land package? How financing actually works (the two-loan structure) NSW stamp duty on house and land packages: the land-only saving Government schemes for NSW house and land buyers (2026) How much deposit do you need? Hidden…
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