Fixed vs Variable Home Loan 2026: Which Is Better for Illawarra Homeowners
If you’re staring down a rate decision and feeling like you need a finance degree just to make sense of it, you’re not the only one. Every month we sit down with Illawarra homeowners who are wrestling with the same question: should they fix, stay variable, or split the difference? There’s no absolute right answer, […]
Why Use a Mortgage Broker Instead of Going to Your Bank?
Melissa’s been at this for three nights running. Two comparison sites open in different tabs, a bank app she doesn’t fully trust, and a growing feeling that home loans are designed to be confusing on purpose. Every article she reads uses a different term for the same thing. Every calculator gives her a different number. […]
Understanding Negative Gearing After the 2026 Federal Budget
This information is general in nature and does not take into account your personal objectives, financial situation, or needs. It is not tax or financial advice. Speak to a qualified accountant or tax adviser about how these changes apply to you. If you own an investment property, or you’ve been weighing up buying one, you’ve […]
What Is an Alt Doc Home Loan? A Guide for Self-Employed Borrowers
You run a solid business. The bank statements look healthy, the work keeps coming in, and you’d back yourself to service a mortgage without blinking. Then you apply for a home loan and the bank asks for payslips you don’t have, or wants your financials to line up in a way that doesn’t reflect how […]
Is It Worth Refinancing My Mortgage? (Honest Answers for Illawarra Homeowners)
Your last home loan review was… when, exactly? If you can’t quite remember, you’re not alone, and there’s a good chance your current rate isn’t working as hard for you as it should be. With the cash rate holding at 4.35% since the Reserve Bank’s August meeting, plenty of Illawarra homeowners are asking the same […]