Home loan insights for Melbourne borrowers
Practical, current articles from a former senior credit officer: grants, rates, lender policy and what is actually happening in Melbourne's north. New posts every day.
RBA September 2026 rate decision: what borrowers should do now
The RBA held the cash rate at 4.35% in August 2026 and meets again on 29 September. What Melbourne borrowers on fixed and variable…
Offset account hacks to pay off your home loan faster
Practical offset account strategies to pay off your home loan years earlier: salary crediting, credit card timing, multiple offset…
Victoria's off-the-plan stamp duty concession ends 20 October 2026: what buyers need to know
Victoria's off-the-plan stamp duty concession for apartments and townhouses ends 20 October 2026. Who qualifies, how much it saves…
Is now a good time to buy in Melbourne? A balanced 2026 view
Whether 2026 is a good time to buy in Melbourne depends on your deposit, income, time horizon and the schemes you qualify for, not…
The two years of tax returns myth: how self-employed borrowers actually get home loans
You do not always need two years of tax returns for a self-employed home loan. One-year returns, add-backs, low doc options and ho…
Buying in Melbourne's northern growth corridor: Mickleham, Kalkallo, Donnybrook, Wollert, Craigieburn and Beveridge
A local broker's guide to Melbourne's northern growth corridor: the estates, the infrastructure, what land and house-and-land cost…
A Nepali community guide to buying a home in Melbourne
A guide for Nepali-Australian families buying in Melbourne: overseas deposits, source-of-funds proof, gift letters, PR vs temporar…
Refinance checklist 2026: a step-by-step guide for Melbourne borrowers
A practical 2026 refinance checklist for Melbourne home owners: compare your rate, calculate savings, gather documents, avoid brea…
House and land package finance explained
How house and land package finance works in Victoria: land loan, construction loan, progress payments, stamp duty on land only and…
How to get a home loan on a 482 or 491 visa
Yes, 482 and 491 visa holders can get a home loan in Australia. Which lenders say yes, the deposit needed, FIRB rules, Victoria's …
What does a mortgage broker actually do?
A mortgage broker assesses your finances, compares loans across many lenders, lodges your application and manages it to settlement…
First Home Guarantee with no income cap: what changed and what Melbourne buyers should do in 2026
Since October 2025 the First Home Guarantee has no income caps, unlimited places and a $950,000 Melbourne price cap. What Melbourn…
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