Borrowing Power
Negative Gearing Explained: How It Works & What It Really Costs
Negative gearing happens when your investment property costs more to hold than it…
Guides & Insights
Explainers on borrowing power, repayments, LMI and more — written for Australians.
Borrowing Power
Borrowing Power
Hidden Factors That Reduce Your Borrowing Power
How much can I borrow?” is the right first question — but the answer…
Borrowing Power
How Banks Let You Borrow More with Extra Income (Australia 2025)
Quick answer: Banks like CBA, NAB and Westpac will often count up to 80% of extra income—from renting out a room…
LMI
Government 5% Deposit Home Guarantee – How It Works & What to Watch Out For
The Federal Government’s Home Guarantee Scheme lets eligible first-home buyers purchase with as little as a 5%…
Borrowing Power
Fixed vs Variable Home Loans: Which Wins in 2025?
After several years of rate volatility, many borrowers are again asking whether to…
Borrowing Power
Refinancing in 2025: Is It Worth Switching Lenders?
With cash rate expectations shifting, many borrowers are asking whether a refinance in 2025 makes sense. The simple test…
Borrowing Power
Offset Accounts vs Redraw – Which Saves You More?
At a glance: Both offset accounts and redraw facilities reduce the interest you pay by lowering your effective loan…
Borrowing Power
Debt-to-Income Ratio (DTI): Why Banks Use It
At a glance: Debt-to-Income ratio (DTI) compares your total debts to your annual income. Banks use…
Borrowing Power
RBA Interest Rate Decisions: What It Means for You
At a glance: Every month, the Reserve Bank of Australia (RBA) decides the official cash rate. Even a small move …
Borrowing Power
Car Loan verse House Equity
At a glance: Instead of taking a separate car loan, many homeowners draw on home equity. This can mean lower interest rates …
Borrowing Power
Stamp Duty on a $500,000 Property in Australia
At a glance: Buying a $500k home, stamp duty ranges from $8,800 in QLD up to $25,070 in VIC.…
Borrowing Power
First Home Buyers: How Our Tools Can Help
Buying your first home is exciting — and a little daunting…
Borrowing Power
How Much Can I Borrow on $100k?
Earning $100,000 a year? See typical lender ranges and how to improve capacity…
Borrowing Power
How Much Can I Borrow on $80k?
On an $80,000 income, here’s what banks may offer and steps to lift borrowing power…
Repayments
Mortgage Repayments on a $600k Loan
Worked examples at current rates, plus tools to estimate your own repayments…
LMI
What Is Lenders Mortgage Insurance (LMI)?
Understand when LMI applies, typical costs, and ways to reduce or avoid it…