Posts
Default Judgment on File: Specialist Lender Waiting Periods for Home Loans
A default judgment on your credit report does not permanently bar a home loan. Specialist lenders offer pathways after 12–24 months waiting periods with LVRs up to 80% and rates from 9.50% p.a. Understand court processes, APRA guidance and rehabilitation steps.
22 May 2026
Credit Score 650 Home Loan: Options for the 600–700 Band in 2026
Australian borrowers with a credit score between 600 and 700 can still secure a home loan in 2026. Explore LVR limits, interest rate ranges, non-bank lenders, and regulatory changes for a credit score 650 home loan. Information only, not personal financial advice.
22 May 2026
Pre-Approval Expired: Re-Submit vs Switch Lender Strategy in 2026
Pre-approval expired in 2026? Compare re-submission and switching lenders with current rate data, APRA serviceability rules, and step-by-step strategy. Independent Australian information.
22 May 2026
Home Loan Refused: Top 7 Reasons + Fix Path 2026
Home loan refused 2026: Analyse the seven most common reasons Australian lenders reject applications and the exact fix path. Data from APRA, RBA, and FIRB.
22 May 2026
Buying for a Student Child in Australia: Co-Borrower and Trust Structures Explained
Explore how parents can buy for a student child in Australia using co-borrower and trust structures. Understand FIRB rules, tax obligations, loan-to-value ratios and risks. Information only, not personal financial advice.
22 May 2026
Australian Citizen Overseas Buying Property: When FIRB Still Applies
An Australian citizen living overseas generally does not need FIRB approval to purchase residential property in Australia. However, joint purchases, trusts, company structures and certain property types can change that. This guide explains when australian citizen overseas firb rules still apply.
22 May 2026
Foreign Buyer Sells Within 2 Years: CGT Withholding and Capital Loss Rules
When a foreign resident disposes of Australian taxable property, the 12.5% CGT withholding applies. Selling within two years may trigger a capital loss and complex FIRB compliance. Read the rules.
22 May 2026
Mainland China Buyer Capital Outflow and Australian Property in 2026: Structural Shifts, Tighter Controls and Market Consequences
Analysis of mainland China's capital outflow channels and their effect on Australian property demand in 2026, incorporating FIRB data, RBA foreign ownership estimates and ATO withholding tax rules — for English-speaking mortgage borrowers.
22 May 2026
Singapore & Malaysia Investor Guide: FIRB Requirements for Australian Property
Detailed analysis of Australia's FIRB framework for Singapore and Malaysia investors buying residential, commercial and agricultural property. Covers fees, FTA thresholds, financing and 2024 rules.
22 May 2026
Hong Kong Investor Buying Sydney Property 2026: End-to-End
A data-driven guide for Hong Kong investors acquiring Sydney residential property in 2026. Covers FIRB fees, NSW surcharges, APRA lending rules, and ATO tax obligations. Essential end-to-end overview for informed decisions.
22 May 2026