Home Loan Blog

A building and pest inspection is a critical check before you buy a house in NSW. Here's what it covers and how it protects you.

Using equity in your home, a family guarantee or a deposit bond, some investors buy with little or no cash deposit. Here's how, and the risks.

Buying with parents, siblings or friends can get you into the market sooner. Here's how shared loans and family guarantees work, and how to protect everyone.

When you sign a contract of sale in NSW, it's important to understand the clauses and the conditions you can add to protect your interests.

Explore financing options for buying property with family in NSW: joint ownership loans, family pledge loans, equity release and government assistance.

First home buyers of vacant land in NSW may pay no transfer duty, or a reduced amount, under the First Home Buyers Assistance Scheme. See the eligibility criteria and tips.

Fixed rates give certainty, variable rates give flexibility, and a split loan gives you some of both. Here's how to decide.

Learn what a home loan pre-approval is, how long it lasts and when you need one, so you can make offers and bid at auction with confidence.

Lenders look at income, debts, expenses and credit limits. These nine steps can lift how much you can borrow for your next home.

Understand your options for lowering your mortgage repayments, from a rate review with your lender to refinancing and using an offset account.

An interest-only period can lower your investment loan repayments. Here's how it works, the trade-offs and when it makes sense.

An offset account can cut the interest on your home loan if you keep savings in it. Here's how it works, with a worked example.

A rate lock holds your fixed rate between approval and settlement. Learn how it works, the fee and whether it's worth it for you.

Rent where you want to live and buy an investment property where the numbers work. Here's how rentvesting works and what to watch.

Lenders mortgage insurance protects the lender, not you. Learn when it applies, what it costs and how to reduce or avoid it.