Home loan guides
Practical, straight-talking guides from our brokers on buying, borrowing, refinancing and choosing the right help.
First home buyer guide for Victoria (2026)
Everything you need to know before buying your first home in Victoria, from saving a deposit and pre-approval to stamp duty savings and settlement day.
Read guideHow much can I borrow? How lenders work out your borrowing power
Why two lenders can give you very different answers, and the practical steps that can lift your borrowing power before you apply for a home loan.
Read guideYour step-by-step home loan refinancing checklist
When refinancing makes sense, the costs to weigh up, why cash-back offers deserve a closer look, and a simple checklist to switch loans with confidence.
Read guideMortgage broker vs bank: which is right for you?
A fair look at using a mortgage broker versus going direct to a bank, including how brokers are paid, Best Interests Duty and when direct can make sense.
Read guideThe 5% Deposit Scheme in 2026: eligibility, price caps and how it works
How the Australian Government 5% Deposit Scheme lets eligible buyers purchase with a 5% or 2% deposit and no LMI, who qualifies and the price caps.
Read guideReady to rise more with us?
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