Posts
Bankruptcy of Co-Borrower: Joint Mortgage Continuity in 2026
When a co-borrower becomes bankrupt, the joint mortgage does not automatically dissolve. Australian bankruptcy law 2026 imposes clear trustee duties and lender rights. Understand continuity, sale, and buyout options here.
23 May 2026
Death of Borrower: Estate and Mortgage Continuity 2026
When a borrower dies in Australia, the estate inherits both the property and the mortgage. This guide examines death of borrower mortgage obligations, lender rights, continuity options, and 2026 regulatory context. Information only, not personal financial advice.
23 May 2026
Divorce Refinance Home Loan: Settlement vs Joint Refi to Save Your Marriage in 2026
Explore the choice between a divorce refinance home loan and a joint refinance in 2026. Compare settlement costs, serviceability rules, and savings to determine whether refinancing can preserve your marriage and your wealth. Independent Australian analysis.
23 May 2026
Refinance to Save Marriage: Settlement vs Joint Refi 2026
When mortgage stress pushes a marriage to the brink, divorce refinance home loan pathways—settlement buyouts or joint refi—can reshape outcomes. Analysis with RBA, APRA, and ATO data.
23 May 2026
AFCA Mortgage Complaint 2026: When and How to Escalate
A data-driven guide for Australian mortgage borrowers on when and how to escalate a complaint to AFCA in 2026. Covers IDR, AFCA jurisdiction, process, deadlines, and probable outcomes. Independent Australian.
23 May 2026
Hardship Variation Right 2026: NCCP Rights + Application Template
Australian mortgage borrowers can request repayment changes under the NCCP hardship variation framework. This guide sets out the legal right, 2026 context, and a ready-to-use application template. Information only, not personal financial advice.
23 May 2026
Hardship Variation Right 2026: NCCP Rights + Application Template
Guide to exercising your hardship variation right under the NCCP in 2026. Covers section 72 thresholds, ASIC’s updated expectations, an application template and arrears data. Independent Australian information.
23 May 2026
Negative Equity 2026: What If House Price Drops Below Loan
Australian borrowers face negative equity 2026 if house prices fall below loan balances. Explore triggers, LVR dynamics, regulatory buffers, and mortgage stress risks. Information only, not advice.
23 May 2026
Negative Equity 2026: What If House Price Drops Below Loan
Examining the risk of negative equity in Australia by 2026 as the RBA’s 4.35% cash rate and softening dwelling values collide. Data on LVR distributions, APRA buffers, and borrower exposure for English-speaking mortgage holders.
23 May 2026
Mortgagee Sale 2026: How Banks Price Distressed Property
In 2026, Australian banks rely on strict pricing models for distressed property as mortgagee sales rise. Understand RBA rate impacts, APRA buffers, FIRB restrictions and forced sale discounts. Independent Australian.
23 May 2026