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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...

If you are aged 60 or over, own your home and need to access money, 'home equity release' may be an option. As there are risks involved...

Many home loans have the option of taking your loan with you when you move. This is known as loan portability. Loan portability allows...

Many lenders offer packaged home loans which allow you to sign up to a home loan as well as other financial products such as a credit...

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

'Negative gearing' happens when the costs of owning a rental property exceed the rent returns you earn. When you take an investment loan,...

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...

Lenders sometimes offer things like discounted interest rates, promotional introductory interest rates and sign-up incentives such as...

With an interest-only loan, you only pay off the interest on the loan for a fixed period, rather than paying off the interest and...

Interest capitalisation occurs when interest is added to the total loan amount or ‘principal’ of a loan but isn’t immediately paid back...

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...

Extending your loan term when you refinance introduces additional interest costs that may outweigh the savings you can benefit from in...

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...

A construction loan is a type of home loan designed for people who are building a home or doing major renovations, as opposed to buying...