Posts
Low-doc loans for self-employed borrowers
If you're between BAS periods or have recent tax returns that don't reflect current income, a low-doc loan may be the right path.
9 March 2026
Redraw access restrictions in 2024-2025: what changed
Several lenders quietly restricted redraw during COVID and again in 2024. How that affects your liquidity planning.
6 March 2026
188A Business Innovation: how lenders see it
The 188A holder is temporary, self-employed and often without two years of Australian tax returns. Which lenders can still price it.
5 March 2026
First Home Buyer in Australia as a Migrant: Complete 2026 Guide
Buying your first home in Australia as a migrant involves specific grants, concessions, and restrictions depending on your visa status. This complete guide covers everything: FHOG, HGS, stamp duty concessions, and step-by-step process.
4 March 2026
Cashback refinance offers: the hidden costs
A $4,000 cashback sounds great until you're 15 bps worse off for five years. How to tell if the deal is actually a deal — with six live April 2026 offers priced out.
1 March 2026
Credit Score Australia: What Migrants Need to Know to Get a Home Loan (2026)
No Australian credit history? Bad marks from multiple applications? Here's everything migrants need to know about Australian credit scores, how to build credit, and what lenders actually look at when you apply for a home loan.
28 February 2026
Strata report red flags: what to skim for first
Sinking fund balance, special levies, legal disputes, defects history - the five pages in a 200-page report that matter.
26 February 2026
189 vs 190 Visa: What Each Means for Buying Property in Australia (2026)
Both the 189 and 190 visas grant Permanent Residency in Australia, but they differ in how you get them and what residency obligations come with them. Here's what each means for buying property.
26 February 2026
The hidden costs beyond your deposit
Stamp duty, LMI, legal, insurance, connection fees, moving - budget $25k-$65k on top of the deposit.
23 February 2026
Ubank, ING, Macquarie: digital-only banks compared on rate and service
No branches, no relationship managers - just a sharp headline rate and an app. The catches you need to know about.
22 February 2026