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Interest-Only Home Loans

If you’re shopping for a home loan, you’ve probably come across interest-only home loans. At first glance, they seem more affordable than standard home loans, so should you get one? Well, that depends on your circumstances, what you want to use the loan for, whether you’re an owner-occupier or an investor, and how long you […]

How Do Bridging Loans Work?

If you’re selling your current home to purchase a new one, timing the sale and purchase can be challenging. Ideally, you’ll want the sale of your property to go through in time to transfer funds to your new purchase. After all, not many of us can afford the repayments on two mortgages at the same […]

Home Loan Pre-Approval

Home loan pre-approval is an initial conditional approval for a mortgage you can receive from your lender. This gives you an indication of the amount they’d be willing to formally approve based on the information you’ve provided, such as your financials. Essentially, pre-approval indicates that your profile is suitable enough to meet all their eligibility […]

Vacant Land Loans

Got your eye on a block of land to build your dream home on? This article introduces vacant land loans in Australia. We cover why lenders treat them as risky, variables that may improve your financing options, how to compare land loans, and more. What is a vacant land loan? A vacant land loan is […]

Home Loans for Indigenous Australians

How can I get an Indigenous home loan in Australia? Indigenous Business Australia (IBA) offers home loans specifically for Aboriginal and Torres Strait Islander peoples around the country who are looking to purchase a home. The IBA approved $226 million in home loans for First Nations families, according to its annual report for the 2023/24 financial […]

Split Home Loans

Split home loans are an option that many borrowers aren’t aware of. They allow you to have the benefits of both a fixed and a variable interest rate. How does a split home loan work? A split home loan allows you to have both fixed and variable rates on different portions. You can usually choose […]

Redraw Facility vs Offset Account: Which is Better for You?

Managing your home loan effectively can make a significant difference in how much interest you pay overtime. Two popular features available to Australian homeowners are redraw facilities and offset accounts. While both can help you save on interest, they work in different ways and suit different types of borrowers. So, if you can’t choose between […]

Construction Loans

Construction loans are designed to assist people who need finance to get a house built.  They’re structured slightly differently from conventional home loans to allow for the extended time it takes to build a home.  Read on to learn all about construction loans, how they work and why they might be right for you with […]

Home equity loan

Home equity loan Home equity loans are a specific type of home loan. They allow you to access the equity (ownership) that you build up in your home over time. This can be important when your circumstances change. What can you use a home equity loan for? You can use a home equity loan for […]

Low deposit home loans

Low deposit home loans are an option for Australian buyers. This article will explain the pros and cons of this type of finance. It will also provide with you tips to increase your chances of having your application approved. What is a low deposit home loan? A low deposit home loan is one where you […]

Offset vs redraw facility: What you need to know

What is an Offset account? An offset account is a savings account or transaction account that can be linked to your home loan account. This is a handy feature that can come in handy for Australians that are looking for ways to reduce their mortgage by using the accounts balance to offset your home loan balance. What […]

Is it possible to get a home loan on single income?

Start saving for a deposit You may have already thought of saving for a deposit, but the amount that you put away can make a difference. If you are planning on taking out a home loan on a single income you will need to prove to your lenders that you mean business by putting aside […]

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