How much can I borrow — and the five things that change the number

Your borrowing power is not one fixed number — it is the result of a [...]

Guarantor home loans: buying with no deposit, and what the guarantor risks

A guarantor home loan allows a first-home buyer to purchase a property without paying a [...]

Lenders Mortgage Insurance: what it costs and how to avoid it

Lenders Mortgage Insurance (LMI) is a one-off premium most lenders charge when you borrow more [...]

How much deposit do you really need to buy a house?

The short answer: most buyers aim for a 20% deposit to avoid Lenders Mortgage Insurance, [...]

Construction loans: why the money arrives in pieces

A construction loan does not hand you the money and wish you luck. It releases [...]

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, [...]