When it comes to taking out a home loan, all the options can be overwhelming. Should you go with a Big Four bank or a lender that’s less known? Is it best to choose a variable home loan or a fixed-rate loan in today’s lending environment?

With so many questions to ponder, it’s little wonder why more Australians than ever are choosing to use a mortgage broker.

If you’re planning to buy your first home this spring, you’re not alone. It’s one of the busiest times in the property market, with more listings and more competition. That’s why it’s important to be well prepared. 

Beyond interest rates, there are other features that can make a big difference to your loan and how much interest you pay. Two of the most common are redraw facilities and offset accounts. While they both help reduce interest, they work in slightly different ways. 

Buying a home comes with one of the biggest decisions you’ll face – do you go for a brand new build or choose an established property? Each option has its own advantages and trade-offs, and your choice often depends on your goals, lifestyle and budget.

Housing Industry Association (HIA) research found sales of new detached homes increased by 18.8% in the three months to June 2025 compared to the first quarter, representing a three-year high.

With interest rates falling this year, more Australians are taking a fresh look at their home loans. In fact, close to 100,000 borrowers refinanced in the June quarter alone – that’s 21% higher than the same time last year. Put simply, more than 1,000 loans are being refinanced every day.

So, what’s driving this refinancing surge – and could it be worth considering for you too?

From 1 October 2025, the government’s First Home Guarantee scheme will expand, making it possible for more Australians to buy a home with a deposit as low as 5%.

Whether you’re preparing to buy your first property or simply watching how the market shifts, these updates could play a big role in shaping your plans this spring.

Pre-approval gives you a clearer idea of what you could borrow before you start house hunting.

It involves a lender reviewing your financial circumstances—like income, expenses, and credit history—to assess what loan amount may be suitable for you.

Your balance sheet is more than just numbers—it’s a crucial tool when applying for a loan.

Here’s why it matters and how it influences your loan application:

Investing in a lifestyle property goes beyond mere real estate—it’s about finding a sanctuary that aligns with your passions and aspirations.

Here’s why it’s worth considering:

When applying for a loan, your personal story isn’t just background—it’s a vital component that could influence lenders’ decisions.

Here’s why:

Working capital is the lifeblood of every business.

Here’s why it’s crucial and how it impacts your financial health:

In today’s fast-paced financial world, relationship mortgage brokering stands out as a beacon of personalised service and trust.

Here’s why it matters more than ever:

Investing in real estate can be a powerful wealth-building strategy, and securing the right financing is key to maximising your returns.

As a mortgage broker specialising in investment home loans, I’m here to help you navigate the complexities and seize opportunities in the market.

When applying for a business loan, non-cash addbacks could significantly bolster your financial profile.

Here’s how they could work in your favour:

Financing a cattle farm demands specialised knowledge and strategic planning.

Here’s why partnering with a commercial broker could be crucial for agricultural investors:

Securing a home loan can vary significantly depending on whether you're a business owner or a PAYG (Pay-As-You-Go) employee.

Here’s what you need to consider:

Establishing a lasting relationship with a mortgage broker offers more than just transactional benefits—it's about securing your financial future with a trusted guide.

Here’s why a long-term partnership with a mortgage broker is invaluable:

Understanding and managing monthly living expenses is crucial when navigating the home loan process.

Here’s why it matters and how to approach it effectively:

Investing in property requires careful consideration to maximise returns and minimise risks.

Here’s some considerations to look for when purchasing an investment property:

Medical finance plays a crucial role in supporting healthcare professionals as they strive to enhance patient care and expand their practices.

Here’s why it’s essential:

Understanding WALE is crucial for assessing the lease maturity and income stability of commercial properties.

Here’s how it’s calculated and why it matters: