Using the 5% deposit scheme at auction means the standard 10% deposit condition needs to change before you bid — here’s how to arrange that without tipping your hand on your full budget.
A $100k bonus that lands as barely $50k isn’t a myth — it’s how PAYG tax and Division 293 actually work. Here’s why it happens, and the one real thing you can do before your next bonus lands.
Jindabyne and Cooma sit in the same council area but run on completely different economics — one on a four-month ski season, the other on steady regional employment. Here’s what that means for how a lender reads your income.
Buying your next home before your current one sells is one of the highest-stress moves in property — and bridging finance is the tool that makes it possible, if you understand exactly what you’re taking on.
A parent or family member going guarantor on a home loan is one of the most common ways young buyers get into the market — and one of the least understood, on both sides of the arrangement.
The Southern Highlands sits between Sydney and Canberra, cooling on price but tightening on rent — and its defining tree-changer buyer profile creates a specific lending wrinkle worth knowing about.
From 1980’s $68,850 median to today’s two-speed market: the full history of Australian house prices, why Sydney and Melbourne are falling while Perth and Brisbane hit records, and what the actual forecast disagreements reveal about where prices go next.
With rates having risen when most people expected cuts, the fixed-vs-variable question is back on everyone’s desk. Here’s how to actually think it through, rather than just guessing which way the RBA goes next.
The RBA lifted the cash rate to 4.60% on 29 September 2026. Here’s the mechanics of how a cash rate move turns into a different number on your repayment schedule — and why the gap between “the RBA moved” and “your bank moved” matters.
There’s no rule that says you should refinance after any set number of years. Here’s the simple break-even calculation that actually tells you if switching is worth it.