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. [...]

Your fixed rate is ending: the eight weeks that decide what it costs you

When a fixed term ends, the loan rolls onto the lender’s revert rate — and [...]

The unused credit card that costs you $50,000 of borrowing power

Lenders assess a credit card on its limit, not on what you owe. A card [...]

Why you can borrow less than you could two years ago

Same job, same income, and the bank will now lend you noticeably less than it [...]

The 5% deposit scheme changed — and most articles still describe the old one

If you read about the First Home Guarantee more than a year ago, almost everything [...]