Insights
Lending, explained without the spin.
Short, practical pieces on the decisions borrowers actually face.
LoanLens
First Home Buyers·8 August 2026
How much deposit do you really need in Melbourne?
Five percent gets quoted a lot. Here's the full cash figure once stamp duty, LMI and fees are counted.
LoanLens
Self-Employed·8 August 2026
Add-backs explained: why your loan capacity is bigger than your tax return
Depreciation, one-off expenses and extra super can all be added back to your assessable income.
LoanLens
Refinancing·8 August 2026
Is a refinance cashback actually worth it?
A $4,000 cheque feels good. Over five years, thirty basis points feels a lot worse.
LoanLens
Investors·8 August 2026
The serviceability gap between lenders is bigger than you think
Two lenders, the same file, a $300,000 difference in maximum borrowings. Here's why.