Latest Insights and Articles
RBA Decision Looms: Are mortgage prisoners at risk if interest rates rise again
Written by Satwinder Singh Mann, Credit Representative 540065. Last reviewed 29 October 2026. Interest rates have risen again, and some homeowners are finding that moving
Home Loan Documents: How to Get Your Paperwork Right the First Time
Written by Satwinder Singh Mann, Credit Representative 540065. Last reviewed October 2026. Applying for a home loan is a big step. Missing paperwork or incorrect
What Reduces Your Home Loan Borrowing Power? (And What You Can Do About It)
A solid income and a healthy deposit don’t always translate into the borrowing power you expect. Lenders don’t only ask what you earn. They ask
What a Possible RBA Rate Rise Could Mean for your Mortgage
Published 27 September 2026. This article was written before the RBA’s 29 September decision. We’ll publish an update once the outcome is known. The Reserve
How to Maximise First Home Buyer Schemes in Australia
Buying your first home can feel expensive before you even make an offer. You need a deposit, legal support, inspections, insurance, and settlement funds.However, eligible
The Lending Market Is Splitting in Two — Here’s What’s Happening Right Now
A Market Moving in Two Different Directions The lending world is changing quickly, and 2025 is shaping up to be a year where the gap
Before You Consolidate Your Debts: A Practical Guide for Home Loan Seekers
When someone comes to me about getting a home loan, one of the first things we go through is their current debts. Car loans, credit
WHAT THE NEW 20% DTI RULE MEANS FOR BORROWERS FROM 1 FEBRUARY
APRA has announced a change that will affect how banks assess home loans from 1 February, especially for borrowers stretching their borrowing capacity. If you’re
Mortgage Outlook for 2026: What Borrowers Need to Know Now
The end of the year has brought a mix of steady and shifting signals across rates, housing affordability, and employment. And while the headlines can
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