Resources

Guides in plain English

Straightforward articles to help you understand your options before you talk to anyone.

Fixed, variable or split: how to choose your home loan rate type

The difference between fixed, variable and split home loans, the trade-offs of each, and the questions to ask before you choose.

Five signs it may be worth reviewing your home loan, what refinancing costs, and how a mortgage broker can compare your options.

A plain-English guide for Australian first home buyers covering deposits, government schemes, upfront costs and how pre-approval works.

Offset accounts and redraw facilities can both reduce the interest you pay. Here's how each works and which may suit you.

How lenders assess self-employed borrowers, the difference between full doc and low doc home loans, and how to prepare before you apply.

What LMI is, when you pay it, who it protects, and the common ways buyers reduce or avoid it.

Income, expenses, debts and a rate buffer: what lenders look at when assessing your borrowing power, and what you can do about it.

A step-by-step look at what happens between getting pre-approved and picking up the keys, and where buyers commonly get caught out.

Consolidating credit cards and personal loans into your home loan can lower repayments, but it can cost more over time. Here's how to weigh it up.

A relaxed, no-obligation chat about where you are now and what your options could look like.