Insights
Plain-English updates on rates, lending and property finance — for borrowers, not bankers.
12 August 2026 · Mortgage hardship
Behind on your mortgage in 2026? What your options are after the RBA's rate hold
The RBA held rates again on 11 August 2026 — but a hold isn't relief if you're already struggling. Here's what you can actually do.
10 August 2026 · Guarantor loans
Guarantor home loans 2026: how the 'Bank of Mum and Dad' works (and the risks)
Guarantor home loans explained: how family guarantees work in 2026, the risks for parents, and alternatives worth comparing first.
7 August 2026 · Bridging loans
Bridging loans in 2026: what a falling property market means if you're buying before you sell
Home values are falling nationally. Here's why that changes the maths on a bridging loan if you want to buy before your current home sells.
5 August 2026 · First home buyers
Help to Buy scheme 2026: what the higher income caps and 10,000 new places mean for first home buyers
Help to Buy's July 2026 expansion lifted income caps and added 10,000 places nationwide. Here's what it actually means for your deposit and loan.
3 August 2026 · Refinancing
RBA's August 2026 rate call: should you fix your home loan now?
The RBA decides on 11 August as home values fall. Here's how to think through fixing vs staying variable — without guessing rate moves.
31 July 2026 · Vehicle & asset finance
Car and equipment finance in 2026: what the RBA's rate hold means for your next loan
Rates have held at 4.35% — but car and equipment finance pricing already moved. Here's how vehicle/asset loans actually work in 2026.
29 July 2026 · Construction loans
Building a new home in 2026? What the approvals boom means for your construction loan
House approvals are surging while values fall and rates hold. Here's what that mix means for anyone financing a new build in 2026.
24 July 2026 · Debt consolidation
APRA's new debt-to-income limit: what it means if you're consolidating debt into your home loan in 2026
APRA's new 20% cap on high-debt-to-income lending is reshaping refinance and debt consolidation approvals in 2026 — here's what changes.
22 July 2026 · Investment property lending
Negative gearing changes 2027: what they mean for your investment property loan
Negative gearing is being limited to new builds from July 2027. Here's what that means for buying, holding or refinancing an investment property.
20 July 2026 · Credit-impaired lending
Home loan declined in 2026? What credit-impaired borrowers can actually do
New ABS data shows home loan approvals falling. If a default or missed payment is on your file too, here's what your options really look like.
13 July 2026 · First home buyers
Home prices falling in Sydney and Melbourne: what it means for first home buyers in 2026
Sydney and Melbourne values dipped in June while the RBA holds at 4.35% — here's what that combination means if you're saving for a first home.
12 July 2026 · SMSF lending
The SMSF property loan door is closing: what the 2026 LRBA ban means for your fund
From mid-August 2026, SMSFs can no longer borrow to buy residential property. What is grandfathered, what is not, and what to do if you are mid-purchase.
9 July 2026 · Refinancing
The 2026 fixed-rate cliff: your 6-month plan
Tens of thousands of fixed rates expire every month — those who prepare six months out routinely save hundreds a month over those who drift.
9 July 2026 · Self-employed
Self-employed and knocked back? Read this first
Messy returns and add-backs confuse mainstream banks — but there are clear, legitimate pathways to approval.
9 July 2026 · Specialist lending
Home loan with an ATO tax debt: your real options
A tax debt is not an automatic no — specialist lenders assess the story behind it.