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.
Thirty years in banking, most of it coaching or being coached. Not a framework — what actually holds up across every rate cycle and every market shift, and what I got wrong before I learned it.
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.
Your deposit sets your loan-to-value ratio, and LVR can move your interest rate and LMI. How it works, with an illustrative example.
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.
Redundancy or a new job on probation does not rule out a home loan, but lenders look closely at income stability. What they check and how to prepare.
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.