2 November 2026
HELP Debt, BNPL and Home Loan Borrowing Power
Preparing to buy your first home? Review BNPL, HELP, card limits and other liabilities before a home-loan serviceability and DTI assessment.
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Insights
Mortgage guidance for real decisions.
Clear, practical articles to help Australians make smarter property and finance choices.
28 October 2026
RP Data vs Pricefinder: A Guide for Property Buyers
Compare property research reports, understand why estimates differ, and check the evidence before making an offer.
Read article →26 October 2026
Should Your First Home Offer Be Subject to Finance?
A practical guide for first home buyers making an offer with finance pending, including contract conditions, approval timing and auction cautions.
Read article →15 October 2026
Repayments Look Affordable—Why Can’t I Borrow?
Your repayment estimate can look manageable while borrowing power falls short. Learn how Australia’s 3% serviceability buffer changes the lender test.
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4 October 2026
Help to Buy Scheme: Eligibility, Deposit and Property Caps
Understand the Help to Buy Scheme, current eligibility rules, property price caps and what sharing your home’s value means for you.
Read article →1 October 2026
How the 5% Deposit Scheme Guarantee Works in Australia
Does the Government give you the other 15%? Learn how Australia’s 5% Deposit Scheme guarantee works, what it covers and what you still owe.
Read article →1 October 2026
September 2026 Rate Rise: Check Your Home Loan Cost
Has your bank passed on the September 2026 rate rise? Learn when your rate and repayments may change, how to confirm the exact amount and your options.
Read article →28 September 2026
Consolidate Debt Into Mortgage: Costs, Risks & Steps
Considering debt consolidation through your mortgage? Compare total interest, fees, repayment terms and the risk to your home before refinancing.
Read article →26 September 2026
5% Deposit Scheme: 10-Year Rule for Past Owners
Owned property before? Learn how the 5% Deposit Scheme 10-year rule works, when the clock starts and what returning buyers need to check.
Read article →23 September 2026
First Home Buyer Auction Checklist: Finance Before Bidding
Avoid committing beyond your means at auction. Use this practical checklist to test your finance, cash position and property-specific risks.
Read article →19 September 2026
Buying Before You Sell: Bridging Loan Checklist
Use this practical bridging loan checklist to estimate peak debt, end debt and sale-delay risk before buying your next Australian home.
Read article →17 September 2026
Avoid Settlement Scams: First Home Buyer Checklist
Use this first home buyer checklist to verify conveyancer bank details, spot scam emails and protect your deposit and settlement funds.
Read article →16 September 2026
First Home Buyer House and Land Loan Finance Guide
Understand house and land package finance for first home buyers, from separate contracts and land settlement to progress payments and upfront costs.
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14 September 2026
Credit Score Before Home Loan: 30-Day Clean-Up Plan
Planning your first home loan? Use this 30-day checklist to review your credit file, fix errors, manage enquiries and prepare for pre-approval.
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8 September 2026
Home Loan Interest Rate vs Comparison Rate Explained
Learn the difference between a home loan interest rate and comparison rate, what each includes and how first home buyers can compare loans wisely.
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