Posts
Break Cost Calculator: Should You Break a Fixed Rate to Refinance?
A break cost calculator for fixed-rate mortgages quantifies early exit fees. Compare refinancing savings using RBA cash rate data and APRA rules. Includes calculator inputs and real-world scenarios for Australian borrowers.
21 May 2026
Refinance Cashback Offers 2026: $3K to $10K Lender Comparison
Independent comparison of 2026 Australian refinance cashback offers from $3,000 to $10,000. Examines lender conditions, LVR limits, serviceability buffers and the true cost of cashback deals. Includes primary-source data from RBA, APRA and ATO.
21 May 2026
Self-Employed + Foreign Buyer FIRB: Dual Complexity Strategy
A framework for self-employed foreign borrowers navigating FIRB approval and Australian mortgage verification. Covers ATO income evidence, APRA buffers, FIRB fees, and 2025 rate environment.
21 May 2026
Low Doc Investor Loan: SMSF + Commercial + Investment Property
How low doc investor smsf loans work for SMSF trustees, commercial and residential investment property. APRA, ATO and RBA data for 2025.
21 May 2026
Self-Employed Refinance 2026: Move from Big-4 to Non-Bank for Better Rate
Self-employed Australian borrowers can secure mortgage rates 40–80 basis points lower in 2026 by refinancing from a Big-4 bank to a non-bank lender. This article covers assessment criteria, RBA cash outlook, and the step-by-step process.
21 May 2026
Foreign Currency Income (HKD / SGD / RMB) Australian Home Loan
How Australian lenders treat foreign currency income for home loans, including haircut schedules, accepted currencies, FIRB and APRA rules. Information only, not personal financial advice.
21 May 2026
Recent Tax Return Loss Year: How to Still Get a Home Loan
A tax return loss year does not automatically disqualify Australian borrowers from a home loan. Learn how lenders treat add-backs, serviceability buffers and alternative documentation.
21 May 2026
Director’s Loan Add-Backs: Maximising Borrowing Capacity for Australian Business Owners
For Australian business owners, a director’s loan add-back can significantly boost borrowing capacity by recasting discretionary withdrawals as assessable income. This guide explains the mechanism, ATO Division 7A constraints, and lender-specific policies to maximise serviceability.
21 May 2026
Crypto Income Home Loan 2026: The Real Lender Acceptance for Crypto Trading Profits
Australian lenders in 2026 cautiously assess crypto income and trading profits for home loans. This guide explains APRA rules, ATO documentation, and lender-specific policies for a successful crypto income home loan 2026 application.
21 May 2026
OnlyFans / Adult Industry Income: Which Lenders Accept Home Loans
Which Australian lenders accept OnlyFans and adult industry income for a home loan? A guide to income verification, serviceability tests, APRA requirements, and lender policies. OnlyFans home loan insights.
21 May 2026