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Stories

Decode Your Closing Disclosure and Spot Final-Minute Loan Changes
The five-page document that arrives in your inbox a few days before settlement in Australia can feel overwhelming, yet it holds the final truth about your home…
How to Check a Lender's Reputation Before You Apply for a Home Loan
Borrowers across Australia spend weeks comparing interest rates, dwelling on the size of the deposit, and weighing up fixed versus variable splits. Yet many…
What a mortgage broker does and how they get paid in Australia
Property buyers across Sydney, Melbourne, and Brisbane routinely turn to mortgage brokers when navigating the country's home loan market. With hundreds of loan…
Picking a Mortgage Lender: Your Local Bank or an Online Option
Australians looking to buy property today face a home loan market far different from a decade ago. Digital lenders, non-banks, and mortgage brokers sit…
Timing Your Mortgage Application Around a Big Car Purchase
Buying a home rarely happens in a financial vacuum. In Australia, plenty of would-be borrowers weigh up a new set of wheels at the same time as they lodge a…
Budgeting for home maintenance when planning your mortgage
Buying a home in Australia means more than arranging the loan itself. The mortgage pays off the property, but it does not pay for the hot water system that…
How car loan debt affects your mortgage borrowing power
A car loan can influence a home loan application long after the vehicle leaves the dealership. Lenders assess your regular commitments against your gross…
Student Loan Forgiveness And Your Australian Mortgage Application
Student debt can influence a home loan application even when it does not appear like a conventional personal loan. In Australia, most education debt is held…
How to Calculate Home Affordability With Student Loans
Buying a home while repaying student debt requires more than comparing your salary with a property price. Australian lenders assess your income, regular…
Refinancing an investment property as your primary residence
Turning an investment property into your home can change the way you manage its mortgage, tax position and household budget. You may be able to move from an…