Home loan insights without the finance-speak.
Practical mortgage guidance, refinancing tips and straight-talking updates on RBA interest rates — with a focus on what the changes may actually mean for your repayments, loan structure and next move.
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Browse the latest Loan Location insights
Read the latest posts below for practical explanations of home loan changes, refinancing decisions and RBA updates. If something makes you wonder whether your own rate or loan structure is still working properly, you can book a quick review with the team.
Home Loan Serviceability: Why Banks Assess a Higher Rate
Home Loan Serviceability • Borrowing Power • APRA Why Banks Assess Your Home Loan at a Rate You’re Not Actually Paying Your home loan rate
Falling Property Prices: What They Mean for Your Home Loan
Falling Property Prices • Home Equity • Refinancing Falling Property Prices: What They Actually Mean for Your Home Loan Australian property prices are falling again,
Home Loan Rates 2026: Why New Customers Get Better Deals
Home Loan Rates 2026 • Refinancing • Bank Competition Your Bank Raised Your Rate — So Why Are Lenders Cutting Rates for New Customers? Home
Mortgage Prison: Why You Can’t Refinance Your Home Loan
Mortgage Prison • Refinancing • Home Loans Mortgage Prison: Why You Can Afford Your Home Loan but Still Can’t Refinance You are paying your mortgage.
First Home Buyers 2026: Are Investors Stepping Back?
First Home Buyers • Housing Market • August 2026 First Home Buyers in 2026: Are Investors Finally Stepping Back? Something interesting is happening in Australian
What Does a Conveyancer Actually Do When You Buy a Home?
Buying a Home • Conveyancing • Australian Property What does a conveyancer actually do when you buy a home? Buying a home comes with a
When One Bank Says No, It Doesn’t Mean Every Lender Will
Home Loans • Lender Policy • Broker Strategy One bank said no. That isn’t necessarily the end. Different lenders can look at the same borrower
Home Loan Applications Are Falling — But What Did the Banks Expect?
Australian Mortgages • August 2026 • Home Loan Market Home loan applications are falling. But what exactly did the banks expect? Home loan applications are
The RBA Hit Pause — But It Hasn’t Hit Reverse
RBA Update • August 2026 • Home Loans The RBA hit pause — but it hasn’t hit reverse. On 11 August 2026, the RBA cash
Home Loan Amortisation: See Where Your Mortgage Repayments Really Go
Home Loans • Repayments • New Calculator Where does your mortgage repayment actually go? You make a home loan repayment every month, but the amount
Australia’s Auction Clearance Rates Are Rising — But the Property Market May Still Be Finding Its Floor
Loan Location • Property Market • Auction Results Auction clearance rates are rising — but this still doesn’t look like a property market boom Australia’s
Meet the New Loan Location: Smarter Mortgage Tools, Calculators & Guides
Loan Location • New Tools • Mortgage Calculators We’ve been rebuilding Loan Location — and there are some very useful new tools to play with
Negative gearing changes in Australia: what property investors need to know before 2027
Property Investment • Negative Gearing • Tax Reform Negative gearing is changing: what Australian property investors need to know before 2027 Australia has changed the
Your Bank May Have Cut Home Loan Rates — But Did Your Rate Change?
Refinancing • Home Loan Rates • Existing Borrowers Your Bank May Have Cut Home Loan Rates — But Did Your Rate Change? Australian lenders are
Review, Refer or Submit — Win $2,000 Cash with Loan Location
Loan Location Promotion • Reviews • Referrals • Finance Applications Review, refer or submit — and you could win $2,000 cash A little extra cash
Liberty Joins the 5% Deposit Scheme — But Does It Mean Bad Credit Is Accepted?
First Home Buyers • 5% Deposit Scheme • Liberty Financial Liberty has joined the 5% Deposit Scheme — but does that mean bad credit is
Are Falling House Prices Creating Australia’s Best First-Home Buyer Opportunity?
First-Home Buyers • Falling Property Prices • Buying Opportunity Are We Near the Bottom? Why First-Home Buyers Should Start Looking Now Australian property prices are
Australia’s Inflation Rate Has Fallen to 3.8% — What Happens to Interest Rates Next?
Australian Inflation • Interest Rates • Home Loans Australia’s inflation rate has fallen to 3.8% — what could happen next? Australia’s annual inflation rate eased