Info Centre

Buying a property but don’t have the deposit in cash right away? There may be an alternative worth considering. In some situations, buyers can provide a guarantee instead of upfront funds. It’s a tool that can offer flexibility without compromising the seller’s confidence, but how does it actually work?

Buying a property but don’t have the deposit in cash right away? There may be an alternative worth considering. In some situations, buyers can provide a guarantee instead of upfront funds. It’s a tool that can offer flexibility without compromising the seller’s confidence, but how does it actually work?

Thinking about buying a property? You’ve probably heard the term “conditional approval” thrown around but what does it actually mean, and how does it differ from unconditional approval? Understanding the difference can help you feel more confident, better prepared, and avoid surprises as you move through the home loan process.

Equity in your home can open doors to new financial opportunities, including property investment, renovations, or debt consolidation. It’s about understanding what you’ve built up—and how to use it wisely. With the right guidance, equity can help you move forward with confidence, but it’s important to weigh the benefits and risks.

Low-doc loans offer a solution for self-employed borrowers who lack traditional financial documents like payslips or tax returns. Instead, lenders assess income using BAS, bank statements, or accountant declarations. While these loans provide flexibility, they often require higher deposits and carry stricter conditions, making them best suited for specific borrower situations.

A home loan redraw facility lets you access extra repayments you’ve made on your mortgage, helping to lower interest while offering flexibility if you need funds later. It differs from an offset account in accessibility and structure, with pros and cons depending on your spending habits and how easily you need to access savings.

More Australians could soon enter the property market with just a 2% deposit, thanks to the expanded Help to Buy scheme. Meanwhile, new lending guidance means student debt will now be treated more flexibly, helping younger buyers. These changes aim to make homeownership more accessible for low- and middle-income earners.

The 2025 federal budget introduces key measures affecting home buyers, including an expanded Help to Buy scheme, increased infrastructure investment, and incentives to grow the construction workforce. Foreign investors face new restrictions, and funding for prefabricated homes aims to accelerate supply. These changes could significantly reshape Australia’s property market.

Here’s the hard truth: If you’re not in control of your debt, it’s controlling YOU.

Debt doesn’t just sit quietly in the background. It piles up, creeps into your financial freedom, and slowly starts calling the shots. It’s time to flip the script.

Find out how taking control of your debt can restore your financial freedom and bring peace of mind.

Rental growth slowed in 2024, despite the national median rent rising 4.8% for the year. Affordability pressures led renters to form larger households, easing demand. Meanwhile, increased investor activity added supply, lifting vacancy rates slightly to 1.9%. Still, with rents rising and vacancies low, many investors remain in a strong position.

Australia’s property market rebounded swiftly in early 2025, reversing December’s brief price decline. Growing expectations of interest rate cuts have boosted confidence, while constrained housing supply continues to drive long-term price growth. With construction delays and undersupply persisting, the market’s dynamics are shifting toward sustained appreciation, rather than traditional boom-and-bust cycles.

The Reserve Bank of Australia’s recent cash rate cut presents an opportunity for homeowners to reassess their mortgage. With rates heading downward, it’s the perfect time to refinance, consolidate debt, or increase repayments to pay off your loan sooner. Take control of your financial future and explore your options now.