Posts
Hobart post-peak: is affordability returning?
Hobart led the national price surge in 2016-2021 and has cooled meaningfully since. The numbers in April 2026.
27 November 2025
Depreciation on an investment property: quantity-surveyor reports
A $700 QS report can deliver $8,000-$15,000 of deductions in year one. When it pays and when it doesn't.
23 November 2025
Construction loan drawdown: the five-stage schedule
Slab, frame, lock-up, fit-out, completion - when each payment lands and how lenders verify progress.
22 November 2025
The CGT six-year rule explained
Rent out your former home for up to six years and still claim the main residence exemption. The conditions and the edge cases.
21 November 2025
Australian Mortgage Rate Lock Fees: When Paying $750 Is Worth It
Rate lock fees hedge against hikes between approval and drawdown. When they pay off and when they're wasted.
19 November 2025
Split loans: hedging when rates are uncertain
Splitting 50/50 fixed-variable isn't always the right call. Here's when it is, and when a pure variable still wins.
16 November 2025
First Home Owner Grant: state-by-state 2026 table
FHOG amounts, eligibility, new-build rules and combined-concession interactions across all eight states and territories.
14 November 2025
Subclass 186 Employer Nomination Scheme: Direct Entry vs TRT in 2026
Which stream applies depends on your current visa. Timelines, evidence and the 2023 age-cap carve-outs.
13 November 2025
Fixed vs variable when the RBA is cutting
The case for locking in during a cutting cycle is weaker than most borrowers think. Here's the decision framework we use.
12 November 2025
Loan Portability in 2026: Moving Your Loan to a New Property
Taking your existing loan with you to a new house can avoid LMI and discharge fees. The conditions lenders attach.
11 November 2025