Writing
Blog
Practical articles on home loans for single parents, self employed Australians, first home buyers and property investors. Clear advice without the jargon.
.png?alt=media&token=22e559b5-9a88-4901-8fb1-c85a566c9b19)
Does childcare affect how much I can borrow for a home loan?
First Home Buyers
Paying childcare or daycare fees? Find out how childcare costs can affect your home loan borrowing capacity and what lenders consider.
.png?alt=media&token=32f238b7-740c-480f-94ad-558bdb4791a7)
I pay $2,900 a month in childcare. Here’s why I think it’s worth it.
Money & Mindset
I pay $2,900 a month in childcare. It’s a huge expense, but it gives me time to grow my business while giving my son opportunities to learn,…
.png?alt=media&token=8409e6f0-2bb8-4daa-ad20-c80af719ebda)
Does private school fees affect our borrowing capacity?
Money & Mindset
Paying private school fees? Find out whether school fees affect your home loan borrowing capacity and how lenders may consider education…
Why Has My Borrowing Capacity Dropped Even Though My Salary Hasn’t Changed?
First Home Buyers
Your salary hasn’t changed, so why can you borrow less? Here’s how interest rates, debts and bank lending rules can affect your borrowing…
Can My Borrowing Capacity Change After I’ve Been Pre-Approved?
First Home Buyers
Yes, your borrowing capacity can change after pre-approval. Learn what can affect it before you make an offer on a property.
Are Interest Rates Going Up Again?
Refinancing
Some Australian lenders are increasing home loan rates again. Here’s why rates are moving, what the RBA has to do with it and what it means…
The Australian Government 5% Deposit Scheme in 2026: What First Home Buyers Need to Know
First Home Buyers
The Australian Government 5% Deposit Scheme explained for 2026: eligibility, price caps, stamp duty savings and the trade-offs to know…
.png?alt=media&token=09cb9d41-d086-40c1-be1e-ebcd8fad430f)
I have a bad credit score. Can I get a Home Loan?
First Home Buyers
Can you get a home loan with bad credit in Australia? What lenders look at, how long defaults stay on your file, and how to improve your…
When Should I Refinance My Home Loan?
Refinancing
When is the best time to refinance my mortgage?
Dairy of a Broker
Money & Mindset
Real stories from a Sydney mortgage broker and ex-banker. What happens behind the scenes of home loans, told honestly, with lessons you can…
Self-Employed in Australia? Here's What You Need to Know Before You Apply for a Home Loan
Self-Employed & Business
"Self-employed and planning to buy property in Australia? Learn what lenders really look for, common mistakes to avoid, and how to prepare…
Self-Employed With ATO Debt? Here's How Refinancing Can Actually Help
Self-Employed & Business
Self-employed with ATO tax debt? Learn why it's now more urgent to act, and how refinancing can help you consolidate it into a lower, single…