Posts
Land tax by state: thresholds and surcharges
NSW, VIC, QLD, WA, SA, TAS and ACT all set their own thresholds and rates. The aggregation rules differ too.
3 April 2026
Pre-approval, conditional approval, unconditional approval - they're not the same
Each stage gets you closer to a real offer, but only unconditional gets you to settlement. What each stage actually means.
2 April 2026
Joint Home Loan Australia: Buying Property with Different Visa Statuses (2026)
Buying property jointly with someone who has a different visa status — citizen, PR or temporary visa — changes your loan options, LVR limits and stamp duty exposure significantly. Here's how it works.
31 March 2026
Division 293: the extra 15% tax over $250k
High earners pay 30% on super contributions instead of 15%. The threshold, the notice and the refund process.
29 March 2026
Family Home Guarantee for single parents
5,000 places a year for eligible single parents with at least one dependent child. The eligibility and the practical file.
27 March 2026
Perth property cycle: where we are in 2026
Perth has re-rated hard since 2022. Is the run over, or does the mining capex cycle keep it going?
25 March 2026
482 Visa Home Loan Australia: Complete 2026 Guide for TSS Visa Holders
Can you get a home loan on a 482 visa in Australia? Yes — but lender rules vary significantly. This guide covers borrowing limits, FIRB requirements, which lenders accept TSS visa holders, and how to maximise your chances of approval.
25 March 2026
How to save a $100k deposit in four years
On a combined income of $180k pre-tax, here's what the numbers look like and which sacrifices matter most.
24 March 2026
How Australian banks calculate your serviceability
HEM, child maintenance, rental shading, credit card limits - every line item that shifts your maximum loan.
22 March 2026
How suburbs really sell: 90 days of sales data unpacked
Comparable sales, days on market, clearance rate, discounting rate - the four metrics that tell you where prices are going.
22 March 2026