Buying before you sell: how bridging finance actually works

Bridging finance covers the gap when you buy the next place before the current one [...]

Rentvesting: renting where you want to live, buying where you can afford

Rentvesting means renting in the suburb you want to live in, while owning an investment [...]

You are approved. Here is everything that happens between now and settlement

Approval feels like the finish line. It is roughly the halfway point. Here is the [...]

Buying with a friend or family member: what to sort out before you sign

Buying with someone else gets you in years earlier. It also ties you to their [...]

Offset or redraw? They look the same and they are not

Both cut your interest by the same arithmetic. The difference is who controls the money, [...]

Pre-approval: what it is, what it is not, and how long it lasts

Pre-approval is a lender saying “based on what we have seen, we would probably lend [...]

The documents a lender actually needs — and the ones they do not

The document list looks intimidating and mostly it is not. Almost everything a lender asks [...]

Does HECS stop you buying a house? No — but it does cost you something

A HECS/HELP debt does not stop you getting a home loan. Plenty of our clients [...]

In South Australia, a new home and an established one are not the same purchase

In South Australia, the first home buyer benefits attach to new homes and not to [...]

Add-backs: the income your tax return hides from the bank

Your accountant does their job well, so your tax return shows the smallest defensible profit. [...]