When you're planning to build your own home, understanding the difference between a construction loan and a standard home loan is crucial. It's a question we get asked frequently, especially with the increasing number of knockdown and rebuild projects we assist with.Get a construction loan and receive funds as you build. Start today!BOOK NOWHere’s a quick guide to help you understand how they work.What is a Construction Loan?A construction loan is designed specifically for those who are build...

Negative gearing is a hot topic in Australia right now, with many differing opinions on how it should be handled. Often in the spotlight during election periods, this investment strategy has been a point of contention due to its implications for housing affordability and the broader economy. Let's break down what it means, how it impacts property investors, and why it's such an important topic in today’s market.What is negative gearing?Negative gearing happens when the costs of owning an...

The 2025-26 Federal Budget introduced a suite of housing and cost-of-living measures designed to shape Australia’s property landscape. Below is a concise overview of the changes and the outcomes they aim to achieve—so you know what’s coming and how it might influence your plans to purchase in 2025.BOOK NOW1. Help-to-Buy scheme expansionWhat’s changing:Government equity contribution increased to up to 40% of a home’s purchase price.Income caps raised to $100,000 for individuals and $...

Effectively managing your home loan can provide greater flexibility and help you pay off your mortgage faster. A redraw facility is one way to reduce interest costs while still having access to extra funds when needed. Here's what you need to know.What is a redraw facility?A redraw facility allows you to access any extra repayments you've made on your home loan. Instead of simply reducing your loan balance, these funds can be withdrawn later if necessary.How does a redraw facility work?For exam...

Renovating your home can significantly increase its value, enhance your living space, and boost rental returns. However, without proper planning, a renovation can quickly become a financial burden. Here’s what you need to know to avoid common renovation mistakes and ensure your project is a success.Define your renovation goalsBefore you spend a cent, ask yourself: why am I renovating? If it’s your home, consider whether you’ll stay long-term or sell in a few years. For investment proper...