Articles

Choosing between a fixed or variable home loan in 2025 is more than just a numbers game—it’s a strategic decision that can make or break your investment cash flow and long-term gains. With interest rates stabilising after years of volatility, property investors are now faced with the question: should you lock in certainty with a […]

When it comes to building a successful investment property portfolio, your finance strategy is just as important as your property selection. A small difference in interest rates or loan features can cost—or save—you tens of thousands over the life of your loan. That’s why the best investors don’t just accept the first mortgage rate they’re

If you’re a property investor eyeing your next move in 2025, securing the best home loan rate isn’t just about saving a few bucks—it’s about maximising returns and future-proofing your portfolio. With the Reserve Bank of Australia (RBA) taking a measured approach and lenders adjusting products to suit a more balanced economic outlook, now is

Interest-only loans have long been a popular tool for Australian property investors seeking to maximise cash flow, manage taxation more efficiently, and grow their portfolios. And while 2025 presents a landscape of elevated interest rates and tighter lending policies, interest-only (IO) lending still plays a key role in investor strategy—if used wisely. In this comprehensive

You’ve finally locked in your dream home, but here’s something you might not have considered closely yet: your interest rate. This one figure plays a huge role in shaping how much you repay over the life of your mortgage. Whether you’re already a homeowner or planning to take the plunge, understanding how interest rates work

If you’re getting ready to buy your first home, one of the first decisions you’ll face is whether to get pre-qualified or pre-approved for a mortgage. While the two terms sound similar, they serve different purposes—and choosing the right one could impact your chances of landing your dream home. In this guide, we’ll break down

The mortgage process can be overwhelming—especially when you’re sorting through an avalanche of information, much of which may be outdated or just plain wrong. From misconceptions about down payments to confusion over who can qualify, mortgage myths can muddy the waters for first-time and experienced buyers alike. In this guide, we’ll clear up the most

Credit Score Impact on Mortgage Rates: How Credit Ratings Affect Borrowing Power, Rates, and Loan Terms When you’re gearing up to buy a home or refinance an existing loan, your credit score becomes one of your most powerful tools — or biggest hurdles. It’s not just another number; it’s a direct reflection of your financial

When you’re gearing up to buy a property or refinance an existing loan, it’s easy to focus on the big numbers — like your interest rate and loan amount. But the smaller, often-overlooked details matter too. One of the biggest hidden costs? Mortgage fees. Mortgage fees can add thousands to the cost of buying a

Applying for a mortgage is one of the biggest financial moves most people will ever make. It’s exciting — but let’s be real — it can also be pretty nerve-wracking. One of the major factors lenders will size you up by is your debt-to-income ratio, often called your DTI. This little number holds a lot