Posts
LVR explained - and why it controls your rate
Loan-to-value ratio drives risk-based pricing. The bands and step-downs matter more than most buyers realise.
April 8, 2026
When to refinance and release equity
Equity release lets you buy again without selling. The LVR limits, the servicing test and the opportunity cost.
April 6, 2026
Why pre-approval expires after 90 days
Pre-approval relies on a credit check and income documents that go stale. What happens at day 91 and how to roll it.
April 5, 2026
Land tax by state: thresholds and surcharges
NSW, VIC, QLD, WA, SA, TAS and ACT all set their own thresholds and rates. The aggregation rules differ too.
April 4, 2026
Pre-approval, conditional approval, unconditional approval - they're not the same
Each stage gets you closer to a real offer, but only unconditional gets you to settlement. What each stage actually means.
April 2, 2026
Division 293: the extra 15% tax over $250k
High earners pay 30% on super contributions instead of 15%. The threshold, the notice and the refund process.
March 29, 2026
Family Home Guarantee for single parents
5,000 places a year for eligible single parents with at least one dependent child. The eligibility and the practical file.
March 27, 2026
Perth property cycle: where we are in 2026
Perth has re-rated hard since 2022. Is the run over, or does the mining capex cycle keep it going?
March 26, 2026
How to save a $100k deposit in four years
On a combined income of $180k pre-tax, here's what the numbers look like and which sacrifices matter most.
March 24, 2026
How Australian banks calculate your serviceability
HEM, child maintenance, rental shading, credit card limits - every line item that shifts your maximum loan.
March 23, 2026