Everything you need to know about home loans in Australia, explained simply, with real examples and interactive tools. No jargon, no sign-up, no agenda.
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Work through them in order, or jump to what matters most. Your progress is saved automatically.
Principal vs interest, loan terms, fixed vs variable, offset accounts and how repayments are calculated. The foundation everything else builds on.
What lenders assess, how employment type changes everything, income docs, credit scores, expenses and borrowing power. Tell us about you and we'll adapt the content.
Deposits, LMI, government grants by state, the buying timeline from pre-approval to settlement, stamp duty and the true cost of buying.
When to refinance, what it costs, break-even analysis, cash-out refinancing, debt consolidation and whether switching is actually worth it.
What equity is, how to access it, buying an investment property, loan structuring, cross-collateralisation, negative gearing and scaling to multiple properties.
Offset deep-dive, redraw, rate lock, portability, honeymoon rates, comparison rates, clawback, package loans and the fine print that actually matters.
Sarah earns $95,000/yr and has saved $60,000. She's looking at a $650,000 apartment in Sydney. With a 9.2% deposit, she'll need LMI (~$8,400). Stamp duty for a first home buyer in NSW? $0, she's exempt under the $800k threshold. Total cash needed: ~$73,400 including legals, inspections and moving costs. The Academy walks through every number.
You don't have to figure this out alone. Our licensed brokers compare 60+ lenders at zero cost to you. Whether you're buying your first home, refinancing or building a portfolio, we'll find your best deal.