How LVR Affects Your Home Loan Interest Rate
Your deposit sets your loan-to-value ratio, and LVR can move your interest rate and LMI. How it works, with an illustrative example.
real estate
Guarantor Home Loans: What Family Really Signs Up For
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.
Buying in the Southern Highlands: The Market Between Sydney and Canberra
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.
The Long Boom: A History of Australian House Prices, and Where They Go From Here
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.
Wait for a 20% Deposit or Pay LMI? How to Decide
Whether to wait for a 20% deposit or pay LMI, with how LMI works, the First Home Guarantee and a worked comparison.
The Real Reason: The Renovation That Almost Wrecked a Refinance
A composite scenario illustrating how an old, undocumented renovation can quietly stall a refinance years later.
What Australia’s Growing Investor Market Looks Like From the Lending Side
More than two million Australians now report rental income. From the lending side of these applications, here’s what the demographic detail behind that number actually means for how a loan gets assessed.
Canberra Property Market 2026: Rate Rises, Not Cuts, Reshape the Outlook
Canberra’s property market weakened as the RBA raised rates four times through 2026, defying the cuts most forecasters expected. See which suburbs are holding value and what it means heading into spring.
Regional NSW and ACT Property in 2024: The Market Before Rates Rose
A 2024 snapshot of the regional NSW and ACT market, from tight rental vacancies and rising yields to population growth and the federal housing supply target, kept as a record of that market. I’ve added a 2026 note on how the rate outlook it assumed turned out, because rates rose rather than fell.