APRA capped high debt-to-income lending in 2026. Find out what DTI limits mean for your borrowing power and how to stay under the radar.

Fixed rate searches are up 250% in Australia. Find out when fixing makes sense, when to stay variable, and how split loans work in 2026.

Find out what mortgage stress means for Australian homeowners in 2026. Learn the warning signs, how to check your rate gap, and what to do to reduce your repayments.

A 2026 study found 58% of Australian homeowners confused by basic mortgage terms. Here are 10 key home loan terms explained in plain English.

Most borrowers don’t realise they can ask their lender for a better rate, and often get one.

“Can I actually negotiate my home loan interest rate?”

Yes. And with rates elevated and lenders competing hard for business, now is one of the better times to ask.

Interest-only home loans can cut your repayments in the short term. Find out how they work, who they suit, and what to watch out for before you apply.

Want to borrow more? Find out the key factors lenders use to calculate your home loan borrowing power and how to improve them fast.

A guarantor home loan can help buyers get into the market sooner, often without a big deposit and without paying LMI. If you have been wondering how it actually works, the place to start is the question almost every borrower and guarantor asks first.

"Am I really putting my home at risk?"

The short answer is yes, but only up to a limited and clearly defined amount. Below is a plain English breakdown of how guarantor home loans work in Australia, who can be a guarantor, the risks, and how to set things up so the structure works for everyone involved.

If you’re buying a home with less than a 20% deposit, there’s a good chance your lender will ask you to pay Lenders Mortgage Insurance.

“What is Lenders Mortgage Insurance and do I really have to pay it?”

It’s one of the most common questions first home buyers ask, and understandably so. LMI can add thousands of dollars to your home purchase costs. Here’s what it is, how it works, and when you might be able to avoid it.

Fixed or variable? It’s one of the biggest home loan decisions you’ll make. Find out how each works, what suits your situation, and how to choose with confidence.

One of the questions many homeowners eventually ask is:

“Should I refinance my home loan?”

Refinancing can be a smart financial move, but it depends on your situation. The right time to refinance is different for everyone, and there are cases where switching lenders makes a real difference — and cases where the numbers simply don’t add up.

One of the most common questions buyers ask when planning to purchase property is:

“How much can I borrow on my salary?”

While every lender calculates borrowing capacity slightly differently, your income is one of the biggest factors in determining how much a bank may be willing to lend.

Before most buyers start seriously looking for property, they often hear the term “home loan pre-approval.”

Pre-approval is an early assessment by a lender that estimates how much you may be able to borrow. It helps buyers understand their price range before making an offer on a property.

Buying your first home in Australia can feel complicated. Between deposits, borrowing capacity, government grants, and lender rules, many buyers aren’t sure what help is actually available.

Moving to Australia is a huge step, and for many migrants, buying property is one of the biggest financial goals after settling in.

The process, however, can be very different from what you may have experienced overseas.

Australia has strict lending regulations, a unique credit system, and specific rules depending on your visa status and residency. Understanding these early can save you a lot of time, stress, and unexpected surprises.

When you apply for a home loan, lenders will usually ask for your recent bank statements. Many buyers assume lenders are only checking their income, but banks actually review bank statements carefully to understand your financial behaviour.

Many buyers focus on saving a deposit, but the deposit is not the only cost involved in purchasing a property. There are several additional expenses buyers should plan for when budgeting for a home purchase.

One of the first questions buyers ask when thinking about purchasing a property is: “How much can I borrow?”

Borrowing capacity determines the price range you can realistically consider when buying a home. While income plays an important role, lenders look at several factors when assessing how much they are willing to lend.

Many buyers are surprised when they discover their borrowing capacity is lower than they expected.

Even with a strong income, lenders assess several factors when determining how much they are willing to lend.

Buying property at auction can be exciting, but it also comes with risks if you don't fully understand how the process works. Unlike private treaty purchases, auctions are legally binding immediately, which means buyers need to be well prepared before they bid.