Articles
NOA (Notice of Assessment): Using Tax Documents for Mortgage Approval
Understand how lenders use your Notice of Assessment to verify self-employed income.
March 13, 2026
Buying Off-Plan: Pre-Construction Apartments and Settlement Risk
Navigate the risks and benefits of buying apartments off-plan before construction is complete.
March 11, 2026
Debt-to-Income Ratio: What Lenders Are Really Looking At
Break down the debt-to-income ratio and how lenders use it to assess lending risk.
March 9, 2026
Lender's Mortgage Insurance: Cost, Triggers, and Alternatives
Understand when LMI applies, how much it costs, and strategies to avoid it.
March 7, 2026
Guaranteeing a Loan: Risk and Responsibility
Understand the legal and financial obligations of guaranteeing a mortgage for a family member or business partner.
March 5, 2026
Offset Accounts and Redraw: Managing Your Mortgage Cash Flow
Optimize your mortgage by understanding offset accounts, redraw facilities, and the tax implications.
March 3, 2026
Serviceability Assessment: Income, Expenses, and Lending Decisions
Learn how lenders assess your ability to repay through serviceability tests and what income and expenses count.
March 1, 2026
Construction Loans and Drawdown: Financing Your New Build
Understand how construction loans work, drawdown mechanics, and the timeline from approval to completion.
February 27, 2026
Fixed vs Variable: The 2026 Rate Lock Dilemma
Weigh the pros and cons of fixed and variable rate mortgages in the current interest rate environment.
February 26, 2026
De Facto Couples and Joint Mortgages: Ownership and Liability
Understand legal and financial implications of joint mortgages for de facto couples.
February 23, 2026