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If you already own a home in Perth and you’re thinking about buying an investment property, the deposit question usually comes up before anything else. Lenders don’t treat investment loans the same way they treat a loan for the home you live in, and that changes how much you need to put down.  Here’s the short version: most lenders want a...

Cash flow is usually the first thing Perth investors ask about once they’ve found a property. An interest-only investment loan is one of the more common ways to manage it, but it’s also one of the more misunderstood loan structures on the market. This guide covers how interest-only investment loans actually work, what lenders look...

If you’re juggling a personal loan, a credit card and maybe a car repayment on top of your mortgage, rolling everything into one home loan payment can sound appealing. A debt consolidation home loan is one of the most common strategies Perth homeowners look into, and it’s easy to see why. It’s also not a...

If you’ve owned your Perth home for a few years, a home equity loan can be a practical way to access the gap between what your property is worth and what you still owe, usually through a refinance or loan increase. That gap is your equity, and it can be one of the more useful...

Finding the right property in Perth’s market often means moving quickly, sometimes before your existing home has sold. This is exactly the situation a bridging loan is designed for. It can help you buy your next home while you’re still selling the one you’re in, without needing that sale to settle first. This guide covers...

If you’re buying your first home in Perth with less than a 20% deposit, you’ve probably come across lenders mortgage insurance. It’s one of the most common costs first home buyers face. It’s also one of the most misunderstood. This guide covers what it is, how much it can cost, and what options Perth buyers...

Choosing the right structure for your home loan savings is one of those decisions that sounds simple until you’re actually sitting in front of the options. Both can reduce the interest on your loan, but a redraw vs offset account comparison quickly shows they work in very different ways. The better fit depends on how you manage your money, what...

Many Perth homeowners have an offset account attached to their home loan and never fully use it. Others are comparing loan products and wondering whether the offset feature is worth paying for. Either way, the question is the same: what exactly does a mortgage offset account do, and how does an offset account work in...

A practical Perth guide to the Australian Government 5% Deposit Scheme, including current WA price caps, eligibility, pros and cons, and how to apply through a participating lender.