Lenders Mortgage Insurance (LMI): How It Works & How to Avoid It By Patrick O’Brien, Director and Home Loan Specialist at Mortgage World Australia — in the industry since 2001. Most borrowers find out about lenders mortgage insurance (LMI) at exactly the wrong moment: deep into a loan application, emotionally committed to a property, and…
Help to Buy Scheme Australia: How the Government’s Shared Equity Scheme Works On this page ▾ What Is the Help to Buy Scheme? Help to Buy Eligibility: Who Qualifies? Property Price Caps by State What Homes Can You Buy Under Help to Buy? Which Lenders Offer the Help to Buy Scheme? How to Apply: Step-by-Step…
Stamp duty exemptions NSW: who qualifies and how to save On this page ▾ What is stamp duty in NSW? Stamp duty exemptions for first home buyers How much stamp duty will you pay? (worked examples) Stamp duty for pensioners and seniors in NSW Family transfers and inheritance exemptions How to apply for the FHBAS…
Are Cashback Home Loans Worth It? A Broker’s Guide for 2026 Cashback home loans have made a comeback. Lenders are offering up to $3,000 to borrowers who refinance, and on the surface, that looks like easy money. But in 25+ years of brokering home loans, we’ve seen how quickly a cashback offer can turn into…
Debt recycling gets misunderstood because most people explain it backwards. They start with the tax benefit and build down to the mechanics. In practice, the loan structure is everything — get that wrong and the tax benefit doesn’t matter. This article covers what actually happens when you set it up, not just the theory. The…
2026 Budget update: How the CGT discount changes from 1 July 2027 — the 50% discount is replaced by CPI indexation for post-2027 gains. Existing owners get a split treatment at the 1 July 2027 market value. See our full Budget breakdown. – wp:html –> Investment Property Capital Gains Tax: The Complete Guide Capital gains…
First Home Buyer Grant NSW: Every Scheme Explained (2026) Buying your first home in NSW, you’ve got government support coming from multiple directions. Most first home buyers only know about one or two of them. But there are actually four layers: the First Home Owner Grant (FHOG), stamp duty exemptions and concessions, and three federal…
Using super to buy a house: your options explained Superannuation is designed for retirement. But there are three legitimate pathways that allow you to use super — or the tax advantages that come with super contributions — to buy property in Australia. Two work before retirement. One doesn’t. The rules are different for each, and…
Negative gearing in Australia: how it works for investors Negative gearing is one of the most searched and misunderstood property investment concepts in Australia. Most of the noise around it is political. Here’s what actually matters for your finances. This guide explains how negative gearing works, walks through a realistic worked example with current 2026…
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