Stamp Duty and Its Impact on Lending
Stamp duty is a major upfront cost that affects your deposit, LVR, and borrowing capacity. Learn how concessions work and why planning for this expense is critical.
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Home Loans
Saving a Deposit: Understanding Genuine Savings
Lenders assess your savings history to confirm financial discipline. Understand what counts as genuine savings, what does not, and how this affects high LVR loan applications.
Understanding Refinancing: What It Means and How It Can Benefit You
Refinancing replaces your current home loan with a new one to better suit your goals. Learn how lower rates, equity access, and new loan features may improve your financial position.
Understanding the Difference Between an Offset Account and a Redraw Facility
Both features help reduce interest, but they function differently. Understand how offset accounts and redraw facilities compare so you can manage your loan effectively.
Different Types of Home Loans: Basic Variable, Standard Variable, and Fixed Rate Loans
Different loan types offer varying levels of flexibility and repayment certainty. Explore how variable and fixed options compare before choosing your structure.
Understanding Alt Doc Loans and Loans for the Self-Employed
Alt Doc loans provide flexible income verification options for self-employed borrowers. Explore how alternative documentation works and when this option may suit your circumstances.
Bridging Loans: How They Can Help Navigate Settlement Challenges
Buying before selling can create settlement timing pressure. Learn how bridging finance works, who it suits, and what to consider before committing.
Understanding Offset Accounts: How They Can Help You Save on Your Home Loan
When it comes to managing your home loan, an offset account can be a powerful tool to reduce the interest
Principal & Interest vs Interest Only Repayments: What You Need to Know
When it comes to home loans, one of the key decisions borrowers face is choosing between Principal & Interest (P&I) repayments and Interest
Understanding Investment Loans and Owner Occupied Loans
The purpose of your property affects interest rates, repayments, and tax considerations. Understand the key differences between investment and owner occupied loans.