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…
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…
Bridging Loan Complete Guide: How They Work and When to Use Them On this page ▾ What is a bridging loan? How a bridging loan works Costs and rates When to use a bridging loan The risks: what happens if the property doesn’t sell? How to qualify and apply Bridging loan vs other options Bridging…
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…
How much deposit do you need for a house in Australia? On this page ▾ Minimum deposit requirements in Australia House deposit calculator: how much do you need by property price? First home buyer deposit options Low deposit home loan programs What counts as genuine savings? Lenders mortgage insurance (LMI) and low deposit loans Frequently…
Fixed vs variable home loan: which is right for you? On this page ▾ Understanding fixed rate home loans Understanding variable rate home loans Fixed vs variable: side-by-side comparison Is it better to get a fixed or variable loan? Which loan type suits your situation? Fixed vs variable in today’s interest rate environment Switching between…
How much can I borrow: the complete guide You’ve found a property you like. The listing says $850,000. Your real estate agent says you can “definitely afford it.” Your friend who bought two years ago says the same thing. But can you? And more importantly — should you borrow that much? Those are two different…
Understanding the First Home Guarantee: A Simplified Guide for 2024 The First Home Guarantee is an Australian government scheme designed to help first home buyers enter the property market with as little as a 5% deposit. Avoiding the need to pay LMI, the scheme offers significant savings and quicker access to homeownership. Whether you’re a…
The Importance of Mortgage Pre-Approval in Australia Obtaining mortgage pre-approval is a crucial step in the home-buying journey. It helps you understand how much you can borrow, speeds up the buying process, and gives you a competitive edge. This guide will explain the importance of pre-approval, the benefits, how to apply, and answer frequently asked…
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