A composite scenario illustrating how a HECS or HELP compulsory repayment quietly reduces home loan borrowing power, even on a modest remaining balance....
Griffith and the Murrumbidgee Irrigation Area run on irrigated horticulture and viticulture, not broadacre farming — and that difference changes how water allocations, perennial crops, and local incom...
Both reduce the interest you pay. Only one keeps your money accessible. Here's the actual difference, and how to work out which fits your situation....
A composite scenario illustrating why a gifted deposit needs proper documentation to be accepted, and why a generous family gift alone isn't always enough....
Canberra's economy runs on APS employment — and that changes how lenders actually assess a borrower here compared to almost anywhere else in the country. Here's what that means in practice....
Canberra and the Illawarra both get called "commuter-adjacent regional markets," but they're built on almost opposite structures — one concentrated around a single employer type, the other diversified...
A composite scenario illustrating how changing jobs mid-transaction — even for a pay rise — can trigger a probation period that delays settlement, and how to manage the timing....
A "let me think about it" is rarely about the rate. After 30 years leading home lending teams, here's what's actually happening in a borrower's head — and what it teaches anyone about closing a genuin...
The Illawarra sits close enough to Sydney to price like a commuter market, but far enough to have its own local economy — and lenders assess it with that duality in mind....
A composite scenario illustrating why lenders discount advertised rental income when assessing an investment loan, and how that gap can change what an investor can actually borrow....