Guides
Plain English answers on home loans. Every guide lists its sources and dates.
Borrowing Power: How Lenders Work Out What You Can Borrow
How Australian lenders assess borrowing power: the 3 point serviceability buffer, income discounts, expenses, debt-to-income limits and worked examples.
Published
Comparison Rate Explained: What It Includes and Misses
What a home loan comparison rate is, how it's calculated on $150,000 over 25 years, what it leaves out, and when it can point you to the wrong loan.
Published
Extra Home Loan Repayments: Time and Interest Saved
What extra or lump sum repayments do to an Australian home loan, with worked examples, fixed rate limits, redraw rules and when the saving is largest.
Published
First Home Buyer Schemes and Grants by State in 2026
The 5% Deposit Scheme, Help to Buy, First Home Owner Grants and stamp duty concessions in every state and territory, checked against official pages.
Published
Fixed vs Variable Home Loans: How the Numbers Compare
How fixed, variable and split home loans work in Australia, what happens when a fixed period ends, break fees, and worked repayment examples.
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Home Loan Repayments: How They Are Worked Out
How Australian home loan repayments are calculated, with worked examples at different rates and terms, fortnightly versus monthly, and what changes the number.
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Lenders Mortgage Insurance (LMI): When It Applies
What lenders mortgage insurance is, how the 80% LVR line works, how to work out your LVR and deposit, and the official ways some buyers avoid LMI.
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Mortgage Offset Accounts: How Much Interest They Save
How a mortgage offset account cuts interest, with worked examples at different balances, offset versus redraw, fees, and the linking check ASIC flagged.
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Refinancing Costs: When Switching Home Loans Pays Off
The fees involved in refinancing a home loan in Australia, how to work out the break-even point, and why the loan term matters, with worked examples.
Published
Stamp Duty by State: Rates for All 8 States and Territories
Transfer duty rates for NSW, VIC, QLD, WA, SA, TAS, ACT and NT, checked against each revenue office, with a $750,000 example in every state.
Published