Borrowing Power
Self-employed borrowing power in 2026: how lenders read your income
Tax returns, add-backs, and the documents self-employed borrowers need to maximise their assessed income in 2026.
Guides & explainers
Understand the loan before you sign it. 95 articles written for Australian home buyers, refinancers and first-timers.
Borrowing Power
Serviceability for two incomes: how lenders assess couples and dependants
Joint applications, dependant loading, maternity leave — making two incomes work harder for your home loan in 2026.
Borrowing Power
How HELP/HECS debt reduces your home loan borrowing power in 2026
Your student loan repayments count as a liability. Here's exactly how much they reduce your maximum loan in 2026.
Borrowing Power
HEM explained: how banks estimate your living expenses
The Household Expenditure Measure — why banks use it, how it compares to real spending, and how to beat it.
Borrowing Power
The DTI speed limit 2026: how the 6x debt-to-income cap affects you
APRA's new rule caps large-DTI lending at 20% of new loans from Feb 2026. Who gets caught and what to do.
Borrowing Power
Why your borrowing power dropped in 2026 (and how to lift it)
RBA rate hikes, the new DTI cap, and changing lender appetites — plus practical ways to borrow more in 2026.
Interest Rates
How the RBA cash rate flows through to your mortgage repayment
From RBA board meeting to your lender's rate change — the transmission mechanism and typical lag times in 2026.
Loan Types
Home loans for temporary residents and non-residents in 2026
FIRB approval, higher deposits, and the lenders that accept 457/482/491 visa holders in Australia in 2026.