Posts
New Job / Probation Period Home Loan: 3-Month vs 6-Month Lender Rules
When a new job starts with a probation period, home loan applications face additional scrutiny. Australian lenders split between 3-month and 6-month probation rules—this guide breaks down LVR, DTI thresholds and documentation required.
22 May 2026
Living Expense Statement Audit: 3-Month Forensics
Under APRA's servicing standards, lenders subject declared living expenses to a 3-month statement audit. This deep dive explains the forensics that decide loan approvals.
22 May 2026
Childcare Costs in Loan Application: The HEM Calculator Reality
Childcare expenses often evade lender expense benchmarks, distorting serviceability. This analysis of the HEM calculator reality unpacks how childcare costs affect Australian mortgage applications, backed by RBA, APRA and Treasury data.
22 May 2026
HECS-HELP Debt and Borrowing Capacity Reduction 2026
Analysis of how HECS-HELP debt constrains borrowing capacity for Australian mortgage applicants in 2026. Covers new indexation rules, compulsory repayment thresholds, and lender serviceability treatment.
22 May 2026
Bankruptcy Discharged Home Loan: The 7-Year Path in 2026
Explores the 7-year path to securing a bankruptcy discharged home loan in Australia in 2026, covering AFSA rules, credit repair, lender criteria and LVR limits.
22 May 2026
Default Judgment on File: Specialist Lender Waiting Periods for Home Loans
A default judgment on your credit report does not permanently bar a home loan. Specialist lenders offer pathways after 12–24 months waiting periods with LVRs up to 80% and rates from 9.50% p.a. Understand court processes, APRA guidance and rehabilitation steps.
22 May 2026
Credit Score 650 Home Loan: Options for the 600–700 Band in 2026
Australian borrowers with a credit score between 600 and 700 can still secure a home loan in 2026. Explore LVR limits, interest rate ranges, non-bank lenders, and regulatory changes for a credit score 650 home loan. Information only, not personal financial advice.
22 May 2026
Go8 Specialist Study Agencies Australia, Top University Application Guide 2026
Find which agencies specialize in Go8 applications, with data on offer rates, scholarship wins, and university partnerships for Australia's top 8.
22 May 2026
Pre-Approval Expired: Re-Submit vs Switch Lender Strategy in 2026
Pre-approval expired in 2026? Compare re-submission and switching lenders with current rate data, APRA serviceability rules, and step-by-step strategy. Independent Australian information.
22 May 2026
Home Loan Refused: Top 7 Reasons + Fix Path 2026
Home loan refused 2026: Analyse the seven most common reasons Australian lenders reject applications and the exact fix path. Data from APRA, RBA, and FIRB.
22 May 2026