Home loan guides, comparisons and tips for Australian borrowers.
Your borrowing capacity — how much a bank will lend you — depends on your income, expenses, debts, deposit, and the lender’s assessment rate. Here’s a clear breakdown of how Australian lenders calculate what you can borrow. Typical Borrowing Capacity by Income — April 2026 Annual Income No debts $500/mo debts With HECS $50k $60,000 … Read more
Stamp duty (land transfer duty) in Victoria is one of the largest upfront costs when buying property. Here’s exactly how it’s calculated, what concessions are available, and how much you’ll pay. VIC First Home Buyers: Full duty exemption on homes up to $600,000. Concessions apply up to $750,000. Victoria Stamp Duty Rates — 2025-26 Property … Read more
Choosing between a fixed and variable rate home loan is one of the biggest decisions you’ll make when taking out a mortgage. Both have real advantages — the right choice depends on your situation, risk tolerance, and view on where interest rates are heading. Fixed vs Variable — Key Differences at a Glance Fixed Rate … Read more
Most Australian home buyers go straight to their bank when getting a mortgage. But research consistently shows that mortgage brokers secure lower rates and better loan features for their clients. Here’s the honest comparison. Mortgage Broker vs Bank — The Numbers ✅ Mortgage Broker Access to 30+ lenders No cost to you (paid by lender) … Read more
The Reserve Bank of Australia (RBA) meets on the first Tuesday of each month (except January) to set the official cash rate. This rate directly influences variable home loan rates, savings account rates, and the broader Australian economy. Current Cash Rate: 4.10% p.a. — The RBA cut rates in November 2024 (4.35% → 4.10%) following … Read more
Home loan comparison Australia 2026. Compare variable rates from 5.35% and fixed rates from 5.69%. Full comparison of major lenders including Big 4 banks and online lenders.
Complete first home buyer guide Australia 2026. Deposit requirements, government grants and schemes, stamp duty concessions, HECS impact on borrowing, and step-by-step buying process.
Should you refinance your home loan in 2026? When refinancing makes sense, break costs, cashback offers, and how to compare your current rate against the market.
Queensland First Home Owner Grant 2026. $30,000 grant for eligible first home buyers of new builds valued under $750,000. Eligibility, how to apply and what counts as a new home.
Current home loan interest rates Australia April 2026. Best variable rate is 5.35%. Best 2-year fixed rate is 5.69%. Full comparison of major lenders updated today.