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Depending on your circumstances, splitting your home loan between fixed and variable interest rates can enable you to get the best of...

A redraw facility lets you access extra repayments you have made on your home loan and helps reduce the interest payable. Different...

Rate lock is an option offered by some banks and lenders that locks in the interest rate offered when you applied for the loan so you are...

Risk based pricing is the interest rate that lenders offer to a client based on factors such as their credit rating, the security type,...

Most people take on this type of home loan. You make regular repayments on the amount borrowed (the principal), plus you pay interest on...

What is an offset account? An offset account is a savings account or transaction account linked to your home loan account. The account’s...

Achieving the dream of home ownership is one of the most exciting times in your life. However, it also comes with a big challenge – the...

Lenders have a specific credit policy they use to assess and approve loan applications. A lender’s credit policy is a document that...

The state and federal governments currently make several different grants available to First Home Buyers. What grants and/or concessions...

If you guarantee a loan for a family member or friend, you are known as the guarantor. You are responsible for paying back the entire...

Making higher or more frequent payments on your mortgage will save you money and help you pay down your home loan faster. Switch to...

Most lenders offer different ways to access and/or repay your home loan. Here are some of the more common features lenders offer to home...

Lenders mortgage insurance (LMI) premiums are payable in two ways: as an up-front fee or by capitalisation. Capitalising your LMI premium...