Offset vs Redraw: What’s the Difference — and Why It Matters More Than You Think
there are two primary tools that allow you to do this: the Offset Account and the Redraw Facility. Mathematically, they achieve the same result.Behaviourally, they are very different.
Why buying a house is so challenging right now and why persistence pays off.
Buying in a sellers’ market is rarely smooth sailing. It demands resilience, preparation, and the willingness to keep going even when it feels tough.
Comparing Banks and Non-Bank Lenders for Home Loans: What’s the Difference and Does It Matter?
When you start shopping around for a home loan, you’ll quickly discover there’s more choice than just the “big four” banks. A growing number of non-bank lenders—ranging from credit unions to online lenders and specialist mortgage providers—are competing for a slice of the market.
How to Get Pre-Approval for a Home Loan: A Step-by-Step Guide
Securing pre-approval for a home loan is a smart, proactive step in the property buying journey. By preparing your documents,...
Beat the RBA Rate-Cut Rush: 10 Finance Moves to help Secure Your Dream Property
The Reserve Bank of Australia (RBA) has finally cut interest rates again and that's good news as mortgage repayments become cheaper — but...
Self-Employed and House Hunting? This is a Must-Read Before Applying for a Home Loan
Self-employed borrowers face a unique set of challenges when seeking a home loan, particularly when it comes to how income is assessed, but select group of lenders now offer more progressive policies that often result in much higher borrowing potential.