Home loan guides, in plain English.
Real situations, honestly explained — with stories from clients we've helped. No forms to read them, and a broker in the chat whenever you have a question.
5% Deposit Scheme
How the Australian Government's First Home Guarantee lets you buy with a 5% deposit and no LMI — the 2025 changes that removed income caps, the state price caps, and who qualifies.
Read the guideFirst Home Owner Grant
The state cash grant for building or buying a new first home — how much you get in every state (from $10k to $50k), who qualifies, and how a broker gets it paid at settlement.
Read the guideHelp to Buy scheme
How the government's shared-equity scheme lets you buy with a 2% deposit — the 2026 income limits, the trade-offs, and how it compares to the 5% deposit route.
Read the guideFamily guarantee home loans
How a parent's equity can help you buy sooner with a smaller deposit and skip LMI — and what your family takes on.
Read the guideSelf-employed home loans
How lenders read business income, what add-backs are, low-doc vs full-doc, and lending through companies, trusts and SMSFs.
Read the guideFixed rate ending soon?
Avoid rolling onto your lender's expensive revert rate — your options, the right timing, and how much refinancing could actually save you.
Read the guideStamp duty concessions
Pay less stamp duty, sometimes zero — first home buyer concessions and exemptions in every state, including what changed in the 2026 budgets.
Read the guideDebt consolidation
One repayment, a lot less interest — how rolling credit cards and personal loans into your home loan works, and the trade-offs to structure around.
Read the guideFirst home buyers
Deposits, government schemes and the jargon nobody explained — plus a calculator for what you'd actually need to get in.
Read the guideRefinancing your home loan
Whether switching is worth it, what it costs, accessing equity, and how to tell if your rate has fallen behind.
Read the guide