Most Australians review their mobile phone plan more often than their home loan. That is a problem. Because a home loan that was competitive 2–3 years ago may now be: Refinancing is not just about chasing a lower interest rate. Done properly, refinancing can improve: The key is knowing when refinancing actually makes sense – […]
Tag: mortgage broker Australia
How Much Can I Borrow? Understanding the 28/36 Rule in Australia
One of the first questions Australians ask before buying property is: “How much can I actually borrow?” Most people assume the answer depends only on income. It doesn’t. Lenders assess: That is why two people earning the same salary can end up with completely different borrowing capacities. One of the most common lending benchmarks used […]
Mortgage Broker vs Bank in Australia: Which Is Better in 2026?
Should You Use a Mortgage Broker or Go Direct to the Bank in Australia? For most Australians, getting a home loan is one of the biggest financial decisions they will ever make. Yet many people make one critical mistake before they even start:They walk straight into their bank and assume they are getting the best […]