Insights
Lending, explained without the spin.
Short, practical pieces on the decisions borrowers actually face.
First Home Buyers·19 September 2026
Do First Home Buyers Really Need a 20% Deposit?
A 20% deposit isn't mandatory to buy your first home. Explore low-deposit pathways, LMI trade-offs and upfront costs for eligible first home buyers in Melbourne and across Australia.
Refinancing·15 September 2026
What Is Home Loan Refinancing? A Plain-English Australian Guide
Refinancing means replacing your current home loan with a new one. Learn how it works in Australia, why homeowners switch, and how to weigh the costs against potential savings.