Posts
The genuine savings rule: 5% in savings over 3 months
Lenders look for evidence of savings discipline, not just a lump sum. What counts, what doesn't, and the workarounds.
21 April 2026
Vendor bids at auction: how to spot them
One vendor bid is legal in every state. Identifying it early tells you how close the price is to the reserve.
20 April 2026
Positive gearing: where it actually happens in Australia
Gross yields above 6-6.5% now generate positive cash flow after costs. The suburbs and property types where that still exists.
19 April 2026
End-of-financial-year tax checklist: the June-30 to-dos
Depreciation, prepaid interest, concessional super, private health, investment losses - the ten items to finish before June 30.
17 April 2026
Permanent Resident Home Loan Australia: What Changes When You Get PR (2026)
Getting PR in Australia changes almost everything about your home loan options. This guide explains exactly what opens up when you become a permanent resident — and what to do first.
16 April 2026
Energy Retailers for Newly-Arrived Migrants in Australia: Energy Locals vs Origin vs AGL — a Broker's Perspective (2026)
After settlement comes the boring stuff — your first electricity contract. A Sydney-based broker walks new arrivals through Energy Locals, Origin, AGL and the VoltX solar lead-generation play, with eligibility, switching steps and the no-LMI move buyers tend to miss.
15 April 2026
Energy Retailers for Newly-Arrived Migrants in Australia: Energy Locals vs Origin vs AGL — a Broker's Perspective (2026)
After settlement comes the boring stuff — your first electricity contract. A Sydney-based broker walks new arrivals through Energy Locals, Origin, AGL and the VoltX solar lead-generation play, with eligibility, switching steps and the no-LMI move buyers tend to miss.
15 April 2026
SMSF property: the LRBA rules and the lenders who still play
The big four exited SMSF lending years ago. Who's filling the gap and on what terms.
12 April 2026
How Break Costs on a Fixed Loan Are Calculated in 2026
The formula lenders use is publicly disclosed but rarely explained. We walk through a $600k, 3-year example step by step.
12 April 2026
Property yield vs growth: the 2026 trade-off
Low-yield capital-city houses vs higher-yield regional or dual-occ. Which is doing better on a five-year view.
11 April 2026