Insights
Plain-English updates on rates, lending and property finance — for borrowers, not bankers.
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.