2025 Guide: Buying property with other people – Not a spouse
Aussies are thinking differently about acheiving home ownership. I share real stories of buying property with other people – mates, siblings, parents.
CBA property valuation in 2025 | How and why to get one
A CBA property valuation can make or break a home loan proposal. I tell you how valuations can help and what to look out for.
Move house without a new home loan | Home loan portability
You could move house without needing to make a new home loan application? I explain how home loan portability is a thing.
Security substitution keeps a good loan open | Real example
I share a real life borrower story around how preserving investment debt with security substitution helped avoid a mistake that would have seen them paying for a much bigger home loan than needed.
Home loan eligibility? 5 questions I always ask borrowers
As a mortgage broker, I find these 5 key questions to potential borrowers tell me almost everything I need to know about home loan eligibility.
A question of equity | How to calculate construction loan LVR
How do you get a construction loan for something not built yet? A big measure is equity and LVR. I show you how to calculate a construction loan LVR.
Serviceability | The hidden home loan calculation explained
What is serviceability? Serviceability, an essential part of the home loan approval process, is a lender-specific calculation of borrower capacity to repay a proposed home loan. Lenders apply their own policy standards against your income, expenses, and debt obligations to calculate how much cash is available for the new home loan repayments. Importantly, just because…
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Currency matters for Aussie expat mortgage chances [2025]
Want to own your little piece of Australia? We have researched and ranked lender’s favourite currencies for Aussie expat home loan applications.
CBA discharge authority – Get it here and know it’s power
It might surprise you how powerful the CBA discharge authority can be in starting a negotiating for a better interest rate.
What’s in a home loan purpose? Owner occupied vs investment
A home loan purpose is not only required by the lender, it can be the difference between a loan with the features your really need versus missing out on them.