Mortgage Prison • Refinancing • Home Loans Mortgage Prison: Why You Can Afford Your Home Loan but Still Can’t Refinance You are paying your mortgage. A cheaper home loan exists. Yet when you try to refinance, the new lender says no. It sounds ridiculous, but it can happen. The term mortgage prison describes borrowers who
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Buying a Home • Conveyancing • Australian Property What does a conveyancer actually do when you buy a home? Buying a home comes with a small army of people: the real estate agent, your mortgage broker, the lender, perhaps a building inspector — and then someone asks whether you’ve sent the contract to your conveyancer.
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Home Loans • Lender Policy • Broker Strategy One bank said no. That isn’t necessarily the end. Different lenders can look at the same borrower and reach different conclusions. The trick isn’t applying everywhere and hoping for the best. It’s understanding why one lender doesn’t fit — and knowing where to look next. Book a
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Australian Mortgages • August 2026 • Home Loan Market Home loan applications are falling. But what exactly did the banks expect? Home loan applications are falling sharply across Australia, with the country’s major banks reporting significant declines in new mortgage applications. NAB is down around 15%, CBA around 15%, ANZ around 12% and Westpac around
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RBA Update • August 2026 • Home Loans The RBA hit pause — but it hasn’t hit reverse. On 11 August 2026, the RBA cash rate was left unchanged at 4.35%. For mortgage holders, that’s certainly better news than another increase. But borrowers shouldn’t mistake a pause for the end of Australia’s interest-rate cycle. Inflation
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Loan Location • New Tools • Mortgage Calculators We’ve been rebuilding Loan Location — and there are some very useful new tools to play with We have been giving the Loan Location website a fairly serious overhaul — not just changing colours and moving buttons around, but building better ways to explain home loans, understand
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First Home Buyers • 5% Deposit Scheme • Liberty Financial Liberty has joined the 5% Deposit Scheme — but does that mean bad credit is accepted? Liberty Financial has become the first non-bank lender to join the Australian Government 5% Deposit Scheme, giving eligible buyers another potential path into the property market. However, the announcement
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Home Loans • Offset Accounts • Borrower Protection Is your offset account actually linked to your home loan? An offset account can be one of the most useful features attached to a home loan. Money held in the account can reduce the balance on which the lender calculates interest. As a result, you may pay
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First Home Buyers • Affordability • Government Support Home ownership feels further away — but the 5% Deposit Scheme is quietly getting people in sooner A growing number of Australians are stepping back from buying, with more people shifting from “not yet” to “never”. And when the headlines are full of rate hikes and higher
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