Posts
SMSF property: the LRBA rules and the lenders who still play
The big four exited SMSF lending years ago. Who's filling the gap and on what terms.
12 April 2026
How Break Costs on a Fixed Loan Are Calculated in 2026
The formula lenders use is publicly disclosed but rarely explained. We walk through a $600k, 3-year example step by step.
12 April 2026
Property yield vs growth: the 2026 trade-off
Low-yield capital-city houses vs higher-yield regional or dual-occ. Which is doing better on a five-year view.
11 April 2026
Guarantor Home Loans in Australia: How It Works for Migrants (2026)
A guarantor can help you buy with a smaller deposit and avoid LMI. But for migrants, the guarantor arrangement has specific nuances. Here's how it works, who can be a guarantor, and what risks are involved.
11 April 2026
Foreign Purchase Ban in Australia 2026: What Can Non-Residents Still Buy?
Australia's two-year ban on foreign purchases of established homes (April 2025–March 2027) explained: who is affected, what you can still buy, FIRB rules, and what it means for migrants on temporary visas.
9 April 2026
Credit scoring in Australia: Equifax, illion, Experian
Three bureaus, three scores, three different effects on your file. How lenders actually weight them.
9 April 2026
LVR explained - and why it controls your rate
Loan-to-value ratio drives risk-based pricing. The bands and step-downs matter more than most buyers realise.
8 April 2026
When to refinance and release equity
Equity release lets you buy again without selling. The LVR limits, the servicing test and the opportunity cost.
6 April 2026
LMI Australia: What It Is, What It Costs, and How to Avoid It (2026)
Lenders Mortgage Insurance (LMI) is one of Australia's most misunderstood home buying costs. Here's what it actually is, how much it costs, who pays it, and the legitimate ways to avoid it — including options for migrants and visa holders.
5 April 2026
Why pre-approval expires after 90 days
Pre-approval relies on a credit check and income documents that go stale. What happens at day 91 and how to roll it.
5 April 2026