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Stories

Building a Deposit While Paying Down Other Debts
Saving for a home deposit can feel difficult when part of every pay packet already goes towards a car loan, credit card, HECS-HELP debt or personal loan. The…
How Car Loan Debt Shapes Your Home Buying Power
A car loan can affect your home purchase well before you make an offer. Australian lenders assess your income, existing commitments, living costs and credit…
Student Loan Forbearance And Mortgage Qualification In Australia
Student loan forbearance can affect your ability to qualify for a home loan, even when it temporarily reduces or pauses your repayments. A lender still needs…
How to Buy a Home With a Partner and Share the Mortgage Responsibly
Buying property with a partner can make a deposit and loan repayments more manageable, especially in expensive Australian markets such as Sydney, Melbourne and…
Mortgage Assumption Clauses In Australian Seller Financing
A mortgage assumption clause explains whether a buyer can take over an existing home loan or a private loan arranged by the seller. In a seller-financed…
Removing a co-borrower from a mortgage after divorce
Divorce can separate two people personally while leaving them tied to the same home loan. In Australia, both borrowers usually remain responsible for the full…
Joint mortgage or co-signer choosing the right setup in Australia
Borrowing with a partner, sibling or parent has become a practical reality for plenty of Australians trying to crack the housing market. Median house prices in…
How a Cosigner Shapes Loan Terms and Your Credit Report
Adding a cosigner to a mortgage application can shift the entire arithmetic of a home loan — from the interest rate offered to the deposit required. It also…
to document rental income for a mortgage application
For property investors and would-be borrowers across Sydney, Melbourne, Brisbane and beyond, rental income often plays a pivotal role in qualifying for home…
What a Gift Fund Letter Is and What It Must Include
First-time buyers in Sydney, Brisbane, or Perth often rely on a helping hand from parents or grandparents to save a deposit. When that help comes as a monetary…