Practical, jargon-free guides written by licensed Australian brokers. No sign-up required, no agenda, just the information you need to make better decisions with your home loan.
6 modules covering everything from how loans work to building a property portfolio. Interactive tools, real examples and knowledge checks.
Everything from first home buying to paying off your mortgage faster, written in plain English for Australian borrowers.
All content is written and reviewed by Vish, founder and licensed mortgage broker, using data from Lendera's panel of 60+ Australian lenders.
Original research published monthly from Lendera's live lender panel data.
Panel wide snapshot after the March RBA hike to 4.10%. Variable and fixed averages across 60+ lenders, Big 4 comparison and outlook.
Yes. RBA has already hiked twice to 4.10%. Next decision 5 May (4 days away) - all Big 4 expect another 25bp hike to 4.35%. After that: Westpac forecasts two more to 4.85%, while ANZ, CBA and NAB expect a hold. Updated on each RBA meeting.
Live benchmarks by borrower profile. The sharpest owner occupier variable rate on panel is refreshed from our rate database on every site build.
Three minute break even check using the live panel low. If your rate is 40 basis points above the sharpest on panel, refinancing likely saves thousands.
Deposit thresholds by borrower type, total upfront cost tables, and low deposit options from First Home Guarantee to guarantor loans.
Lenders Mortgage Insurance explained. Who it protects (the lender, not you), how much it costs, when it applies, and six ways to avoid it.
The RBA held the cash rate at 4.10%. What this means for variable and fixed rates, and what borrowers should do now.
Written by a broker who bought 3 properties before 24. The real playbook for building wealth through property. No outdated advice, no gatekeeping.
The complete step-by-step checklist from budgeting and saving your deposit through to settlement day and your first year of ownership.
Compare the best home loan rates in Australia for 2026. Owner-occupier, investor, fixed and variable rates from 60+ lenders ranked by rate, features and value.
What credit score you need for a home loan in Australia. How the three credit bureaus work, what lenders check and how to improve your score.
Your DTI ratio measures total debt against gross income. Most lenders cap borrowing at 6 to 7 times income. Here is how it works and how to improve yours.
HECS reduces borrowing power by $30,000 to $80,000 for most buyers. 2025-26 repayment thresholds, worked examples and strategies to maximise what you can borrow.
Stamp duty rates for every Australian state and territory. Transfer duty tables, first home buyer exemptions and worked examples.
Borrowing power tables by income level, how lenders calculate serviceability and what increases or decreases your capacity.
Understand how offset accounts work, how much they can save on your mortgage, and whether you need one. Includes real examples with actual numbers.
Ten strategies Australian homeowners use to pay off their mortgage years sooner and save tens of thousands in interest, without earning more money.
A clear comparison of fixed and variable rate home loans in Australia. The honest pros and cons, and how to decide which suits your situation best.
Everything first home buyers need to know, from saving your deposit and understanding grants to choosing a lender and getting to settlement day.
LMI explained simply. What it costs, when you need to pay it, and five practical ways to avoid it when buying a home in Australia.
Answer a few questions and get a personalised plan showing exactly how to pay off your home loan years sooner, with real graphs and real numbers.
Calculate your monthly or fortnightly home loan repayments. See how rate changes and extra repayments affect your total cost.
Find out whether a buyers agent is worth the cost, how they work, what they charge, and how to choose the right one for your purchase.
Compare every major home loan type, feature, and lender category. Variable, fixed, split, offset, redraw and more explained for Australian borrowers.
How commercial property loans work, what lenders look for, rates, LVR requirements, SMSF purchases and how to get approved.
Visual guide to commercial investing. Doc types, deal scenario, lease doc lending, SPV structures, ICR and a live deal analyser calculator.
Compare chattel mortgages, leases, hire purchase and car loans. Tax implications, balloon payments and how to choose the right structure.
When to refinance, how the process works, costs to watch for, cashback offers explained, and how much you could save by switching lenders.
Complete breakdown of grant amounts, property caps, stamp duty concessions and eligibility for every Australian state and territory.
Minimum deposit requirements, LMI thresholds, government schemes and practical strategies to save your deposit faster.
How broker commissions work, what you actually pay, best interests duty explained, and when using a broker makes the most sense.
What negative gearing is, how it works as a tax strategy, deductible expenses, depreciation and whether it makes financial sense for you.
How each repayment type works, who they suit, repayment examples, the IO cliff, and when to switch. Side by side comparison.
How guarantor loans help you buy with less deposit and avoid LMI. Risks for the guarantor, exit strategies and eligibility requirements.
Key differences between offset accounts and redraw facilities, including the critical tax implications for property investors.
Doctors, dentists, vets, pharmacists and registered nurses can borrow up to 90% or 95% without LMI. Profession eligibility table, savings breakdown and FAQ.
Solicitors, barristers and in-house counsel can access LMI waivers up to 90% LVR. Partnership income, role eligibility and FAQ.
How to get a home loan when you are self-employed. Income verification, low-doc options, lender requirements and how a broker helps.
How construction loans work in Australia. Progress draw payments, interest-only during build, lender requirements and what to expect.
How to buy property through your SMSF. Eligibility rules, LVR limits, bare trust structure, compliance obligations and costs.
Complete property investment guide. Financing, tax benefits, yield calculations, portfolio strategy and what lenders look for.
Bad credit lending explained. What lenders look for, approval timeline (0-60 months), rates for credit-impaired borrowers, and your path back to tier 1 lenders.
Getting approved for a home loan with bad credit in Sydney. Local lender options, guarantor benefits, and Sydney-specific approval timelines.
Home loans for credit-impaired borrowers in Melbourne. What lenders need, approval timeline and how to access tier 1 lenders again.
Getting approved for a home loan with bad credit in Brisbane. Lower property prices mean smaller loans and faster approval with specialist lenders.
Complete guide to bridging loans. How they work, when you need them, costs (7.5-8.5% typical rates), approval timeline (5-7 days) and lender comparison.
Bridge financing in Sydney's fast-moving market. Higher loan amounts, fast approval (5-7 days) and Sydney-specific holding cost breakdowns.
Bridge financing for Melbourne properties. Diverse project types, investor-friendly market and growth suburb advantages explained.
Bridge financing in Brisbane. More affordable properties mean smaller bridge amounts and lower interest costs compared to Sydney/Melbourne.
5% deposit home loans explained. Government 5% Deposit Scheme, LMI waivers for certain professions, 100% lending for strong income and approval path.
Financing options for renovations. Compare refinance, home equity, staged drawdown, personal loans and cash. Real cost examples for $100k renovation.
Development loans explained. How they fund subdivisions, townhouses and apartments. Rates (8.5%+), approval requirements, timeline (18-36 months) and lender options.
Development lending for Sydney residential projects. Higher rates (8.5-9.5%), council approval delays and high build costs ($3,500-5,000/sqm) explained.
Development financing for Melbourne projects. Similar rates to Sydney, diverse project types (apartments, townhouses, subdivisions) and growth suburb advantages.
Development loans for Brisbane residential projects. Slightly better rates (8.25-9.25%), faster council approvals and cheaper build costs ($2,500-3,500/sqm).