Home loans

• First home buyer loansSchemes, grants, deposits and pre-approval for your first home.
• Refinance your home loanCompare 60+ lenders, reprice with your bank or release equity.
• Investment property loansStructure, equity and interest only, set up for the next purchase.
• Bridging loansBuy your next home before you sell the current one.
• Construction loansProgress payments, land and build, and knockdown rebuilds.
• Self-employed home loansTax returns, add-backs and low doc options for business owners.
• Debt consolidation home loansRoll car loans, personal loans and cards into one lower rate.

LMI waivers by profession

• Home loans for doctors and professionalsDoctors up to 95%, and many other professions up to 90%, without LMI.
• Home loans for nurses and midwivesLMI waivers for registered nurses, enrolled nurses and midwives.
• Home loans for teachersLMI waivers for teachers, childcare and education workers.
• Home loans for police, paramedics and essential workersLMI waivers for police, firefighters, paramedics and defence.
• Home loans for lawyersLMI waivers for solicitors, barristers and judges.
• Home loans for accountants and finance professionalsLMI waivers for accountants, actuaries and finance staff.

Commercial, business and SMSF

• Commercial property loansBuying your premises or an office, retail or industrial investment.
• SMSF loansRefinance an SMSF loan or buy commercial property in super.
• Asset and equipment financeVehicles, equipment and machinery without tying up cash flow.
• Business loansTerm loans, overdrafts and lines of credit for your business.

Guides

• The first home buyer roadmapEvery step of buying your first home, in order.
• First Home Owner Grant QueenslandThe $30,000 grant: eligibility, new homes and when it is paid.
• How much deposit do I need for a house?The 20%, 10% and 5% options, plus the costs on top.
• Mortgage repayments, and the income you needRepayments on $500k to $1.5m, and the income lenders look for.
• Checking flood risk before you buy in BrisbaneUse the council flood map and FloodWise report before you buy.
• Lenders mortgage insurance, explainedWhat LMI is, what it costs and the ways to avoid it.
• Home loan pre-approval, explainedWhat pre-approval is, how long it takes and how long it lasts.
• Borrowing power, explainedWhy lenders give different answers, and what moves yours.
• Offset accounts, explainedHow an offset cuts your interest, and offset versus redraw.
• Fixed or variable home loan?Fixed, variable or split, and the trade-offs of each.
• Interest only home loans, explainedHow interest only works, and what happens when it ends.
• Rentvesting, explainedRent where you want to live, buy where the numbers work.
• Cross-collateralisation, explainedWhy tying properties together can cost you later.
• Guarantor home loans, explainedHow a family guarantee works, and the risks for both sides.
• Discharging your mortgage, explainedHow a mortgage discharge works when you refinance or sell.
• Mortgage discharge forms by bankHow to request a discharge from 19 Australian lenders.
• Is your loan ripping you off?A 15 minute health check you can run yourself.
• Can I get a home loan with an ATO debt?How lenders treat tax debts, and your options.
• Mortgage broker or bank?How brokers get paid, and when going direct makes sense.

Tools and checklists

• Mortgage repayment calculatorRepayments, total interest and what extra repayments save.
• Equity calculatorHow much of your home equity you could use.
• Stamp duty calculatorDuty and concessions for every state and territory.
• Home loan document checklistEverything a lender will ask for, ticked off as you go.
• Buying before you sell worksheetYour equity, peak debt and loan after the sale.