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…
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…
Reverse mortgage Australia: how it works, what it costs, and whether it’s right for you (2026 guide) On this page ▾ What is a reverse mortgage? How a reverse mortgage works in Australia How much can you borrow? Reverse mortgage interest rates in Australia (2026) Which lenders offer reverse mortgages in Australia? Worked Sydney example…
Investment Property Loans in Australia: The Broker’s Guide for 2026 On this page ▾ What Is an Investment Property Loan? How Investment Property Loans Work in Australia Investment Loan Interest Rates: Why Investors Pay More How Much Can You Borrow? (And Why Your Bank’s "No" Isn’t the Market’s "No") Interest-Only vs Principal & Interest for…
What Is a Comparison Rate? The True Cost of Your Home Loan, Explained On this page ▾ What is a comparison rate? Comparison rate vs interest rate: what’s the difference? How comparison rates are calculated in Australia What’s included in a comparison rate, and what’s not Worked example: when the lowest interest rate isn’t the…
Bank property valuation Australia: how it works, when it comes in low, and what to do (2026 guide) On this page ▾ What is a bank property valuation? Why most home loans don’t even need a full valuation How a bank valuation works (when one is done) The five types of bank valuation: desktop, kerbside,…
Rental yield calculator: formula, benchmarks and lender rules On this page ▾ What is rental yield? Gross vs net rental yield: what’s the difference? How to calculate rental yield (the formula + worked example) What is a good rental yield in Australia? (benchmarks by state) How lenders treat rental yield in serviceability Rental yield vs…
First Home Super Saver Scheme: your complete 2026 guide On this page ▾ What is the first home super saver scheme? Eligibility requirements Contribution limits and caps How to contribute to your FHSSS Tax treatment and benefits The withdrawal process Comparing FHSSS with other schemes Early access and financial hardship Common questions The first home…
Offset account: how it works and how much you’ll save On this page ▾ What is an offset account? How do offset accounts work? Key benefits of offset accounts Offset account vs. redraw Common questions about offset accounts Should you use an offset account? Get expert advice from a mortgage broker By Patrick O’Brien, Director…
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