Posts
Queensland first-home concession and the 2026 reform
QLD raised its concessional threshold in 2025. The new numbers and who missed out under the old ones.
10 January 2026
Buying at auction without losing cooling-off rights
In some states a pre-auction offer accepted via private treaty preserves cooling off. When that's available and how it works.
8 January 2026
Pre-settlement inspection: the five checks nobody does
A week before settlement you get one shot at a final inspection. Taps, power, ovens, remotes, and the shed in the back.
6 January 2026
Off-the-plan risk: the valuation shortfall problem
Signing a contract in 2024 for settlement in 2027 exposes you to bank valuation risk. How to hedge it.
6 January 2026
Ten questions to ask a broker that can save you $100k
The questions most borrowers forget to ask - and the answers that separate a good broker from an order taker.
4 January 2026
LMI in 2026: When You Pay, When You Don’t, and How to Avoid It
Lenders Mortgage Insurance can add $20k-$45k to a purchase. Three waivers, one workaround, and what each one costs.
3 January 2026
Building your first home vs buying established
Land + build package vs buying an existing home - price, timeline, stamp duty and FHOG all behave differently.
31 December 2025
Salary sacrifice to super: limits and timing
$30,000 concessional cap in 2025-26, with catch-up rules for unused caps. When the timing matters.
30 December 2025
Building and pest inspection: a broker's checklist
Ten red flags we've seen kill finance or renegotiate prices - from rising damp to termite trails.
29 December 2025
Auction day: what actually happens from 30 minutes out
A play-by-play of a Sydney or Melbourne auction - registration, reserve, vendor bids, the moment of the hammer.
28 December 2025