Home Loans
22 articles
Has the RBA Already Wiped Out the Home Ownership Gains from Tax Changes? — 2026 Analysis
RBA rate cuts were meant to help Australians buy homes, but have rising property prices already cancelled out those gains? We break down the numbers.
Interest Rate Rise Predicted for Australians: How Much More You'll Pay on Your Mortgage in 2026
A rate rise is back on the table for Australian borrowers. Find out how much more you could pay on your mortgage and what you can do about it now.
NAB (ASX:NAB) in Focus After Market Pullback Across Australian Financial Stocks — 2026
NAB shares are under scrutiny after a broad pullback in Australian bank stocks. Here's what the retreat means for home loan borrowers and investors in 2026.
RBA Inflation vs Real Life: Why Official Figures Don't Match What Australians Actually Pay — 2026
The RBA's inflation measure doesn't reflect what Australians really spend. Here's why the gap exists, what it means for interest rates, and how to protect your budget.
VanEck Australian RMBS ETF (ASX:RMBS): A Different Route to Floating-Rate Income in 2026
Discover how the VanEck Australian RMBS ETF (ASX:RMBS) works, who it suits, and whether it belongs in your income portfolio. Australian investor guide for 2026.
Mortgage Fraud in Australian Banks: What the Regulator Found and What It Means for Borrowers in 2026
Australian regulators have uncovered mortgage fraud across major banks. Learn what was found, how it affects borrowers, and how to protect yourself in 2026.
NAB's Mortgage Lending Drops 15%: What It Means for Australian Home Loan Borrowers in 2026
NAB's mortgage lending has fallen 15% — we explain what's driving the drop, what it means for borrowers, and how to navigate Australia's tightening home loan market.
Debt Recycling Australia: What It Is and How to Do It in 2026
Debt recycling converts your non-deductible home loan into tax-deductible investment debt. Here's exactly how it works, how to set it up, and the risks you need to know.
Fixed vs Variable Rate Home Loan Australia 2026: Which Is Right for You?
Fixed and variable rates are at parity in July 2026 — both around 6%. Here's how to choose, why the offset account changes everything, and what the RBA outlook means for your decision.
First Home Buyer Guide Australia 2026: Grants, Schemes and Stamp Duty Explained
First home buyer help in Australia for 2026: the 5% Deposit Scheme, Help to Buy, FHSS, each state's grant and stamp duty rules, and what you can save.
Lenders Mortgage Insurance (LMI) Australia: What It Is, What It Costs, and How to Avoid It
LMI protects the lender, not you — and can cost $10,000–$40,000 on a single purchase. Here's what LMI actually costs at each deposit level and how to legally avoid it.
Offset Account vs Redraw Facility: Which Is Better for Your Home Loan?
Offset accounts and redraw facilities both reduce home loan interest — but they work differently, have different tax implications, and suit different situations. Here's how to choose.
How Much Deposit Do You Need to Buy a House in Australia? (2026)
How much deposit you need to buy a house in Australia: 20% avoids LMI, 5% is the usual minimum, and government schemes cut it to 2%. Figures by city for 2026.
Best Home Loan Rates Australia 2026: Variable vs Fixed, Top Lenders, and How to Compare
The RBA cash rate sits at 4.35% as of June 2026, with home loan variable rates ranging from 5.69% to over 7%. This guide compares the best home loan rates across Australia's top lenders, explains variable vs fixed, decodes comparison rates, and shows you what actually determines the rate you get.
How Much Can I Borrow for a Home Loan in Australia? (2026 Guide)
Your borrowing capacity is determined by income, expenses, existing debts, deposit size, and credit score — all stress-tested at your rate plus 3%. This guide explains every factor with a full worked example, income benchmarks, and the strategies that genuinely increase your borrowing power.
Refinancing Your Mortgage in Australia: Complete Guide 2026
The average Australian mortgage holder is paying 6.84% while the lowest available refinance rate is 5.35% — a gap worth up to $8,496 a year on the average loan. This complete guide covers when refinancing makes sense, how to calculate your saving, break costs on fixed loans, cashback offers, the step-by-step process, and the mistakes that cost borrowers thousands.
What Your Friday After-Work Drinks Are Really Costing Your Mortgage
One Friday drinks session a week costs the average Australian around $60 at the bar. Redirecting that saving to your mortgage cuts over $113,000 ininterest
What Your Gym Membership Is Really Costing Your Mortgage
Australians now spend an average of $77 a month on gym memberships. Redirecting that to your mortgage saves over $46,000 in interest and cuts more than a year off your loan. Here is every calculation, step by step
Skip One Coffee a Day: How $5 Saves Australian Homeowners $86,000 in Mortgage Interest
Skipping one $5 coffee a day and redirecting it to your mortgage saves $86,342 in interest and cuts nearly 3 years off a $700,000 loan. The maths, the psychology, and the practical setup — explained for Australian homeowners.
What Your Streaming Subscriptions Are Really Costing Your Mortgage
The average Australian household now spends nearly $60 a month across streaming services. Redirecting that to your mortgage saves over $36,000 in interest.
What Your Takeaway Habit Is Really Costing Your Mortgage
Australians spend an average of $72 a week on takeaway meals. Redirecting even part of that to your mortgage could save you over $129,000 in interest.
How Much Deposit Do You Need to Buy a House in Victoria? (2026 Guide)
How much deposit you need in Victoria in 2026: Melbourne and regional figures, the 5% Deposit Scheme caps, first home stamp duty rules and the $10,000 grant.