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.
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…
How much deposit do you need for a $700,000 house in Melbourne?
For a $700,000 Melbourne house you need $35,000 (5%) with the First Home Guarantee, $70,000 (10%) with LMI or $140,000 (20%) to av…
7 mistakes first home buyers make in Melbourne (and how to avoid them)
The seven most common and costly mistakes Melbourne first home buyers make, from skipping pre-approval to bidding at auction unpre…
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