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.
Subclass 190 state nomination for Nepali applicants, state by state
How each Australian state nominates for the subclass 190 visa, the occupations Nepali applicants typically hold, and buying a firs…
Skills in Demand (482) to 186: the two-year PR pathway for Nepali workers
How the Skills in Demand 482 visa leads to PR through the 186 after two portable years with a sponsor, what a sponsor change means…
From student visa to PR: a roadmap for Nepali graduates in Australia
How Nepali graduates move from a 500 student visa to a 485 and on to PR via 190, 491 or employer sponsorship, the costs to plan fo…
A Nepali guide to Australian PR pathways in 2026, and what each means for buying a home
The main PR routes for Nepalese people in Australia in 2026 (189, 190, 491 to 191, 482 to 186, 485 and partner visas) and what eac…
Spring selling season in Melbourne: a buyer's game plan for 2026
Spring brings more listings and more buyers to Melbourne. Get pre-approved, set an auction ceiling and sign off the plan before th…
How a 0.25 percentage point rate rise changes your repayments
A 0.25 point rate rise adds $65 to $162 a month on loans from $400,000 to $1 million. Repayment tables, how lenders stress-test yo…
The new migrant's 12-month plan to a home loan in Melbourne
Arrived in Melbourne and want to buy? A month-by-month plan for your credit file, PR timing, savings evidence, overseas gifts and …
What is a comparison rate, and when does it mislead you?
A comparison rate folds fees into one rate on a $150,000 loan over 25 years. What it captures, what it misses, and why it can poin…
Bridging loans: how to buy before you sell in Melbourne
A bridging loan lets you buy your next Melbourne home before the current one sells. Peak debt, end debt, capitalised interest and …
What it costs to hold an investment property in Victoria
Land tax, vacant land tax, insurance, management and interest add up. The true annual cost of holding a Victorian rental and what …
HECS-HELP debt and your home loan: how it cuts borrowing power
A HECS-HELP debt cuts home loan borrowing power because compulsory repayments come off your income. How lenders treat it and when …
How lenders assess self-employed income for a home loan
Lenders read self-employed income differently from payslips. How add-backs, one versus two years of returns, ABN age, BAS and alt-…
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