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Federal First Home Buyer Scheme
Here is a detailed comparison between the previous federal first home buyer scheme and the new scheme introduced in October 2025,...
Phil Aldridge
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This week’s lowest rates w/e 6 October 2025.
On a fortnightly basis I provide an indication of the lowest available rates for basic and professional package variable rate products....
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How to Buy Commercial Property Without Proving Your Income
Getting a loan can be frustrating, especially when you have money to invest but can't prove your income on paper. Maybe you're...
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Why APRA’s stubborn serviceability buffer means you need a smarter investing strategy
Despite falling inflation and rate cuts, APRA has recently confirmed it will keep the mortgage serviceability buffer at 3 per cent. So...
Phil Aldridge
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10 most effective strategies to reduce your loan term and minimize interest payments as an Australian homeowner:
Here are the 10 most effective strategies to reduce your loan term and minimize interest payments as an Australian homeowner: 1. Switch...
Phil Aldridge
Oct 73 min read
The Loan That Kills Other Loans
There's one type of loan that acts like financial poison in your credit file - and it's not what you think. It's not a massive personal...
Phil Aldridge
Oct 63 min read
First Home Guarantee: A Step-by-Step Guide to Application and Eligibility
The expanded First Home Guarantee scheme represents a significant opportunity for aspiring homeowners, but successfully navigating the...
Phil Aldridge
Oct 66 min read
How the First Home Guarantee Expansion Will Impact Property Markets in 2025-2026
The expanded First Home Guarantee scheme launched on October 1st, 2025, isn't just changing the game for first-time buyers - it's...
Phil Aldridge
Oct 65 min read
First Home Guarantee Expansion: What You Need to Know Before Applying
The Australian Government has significantly expanded the First Home Guarantee scheme as of October 1st, 2025, making it easier than ever...
Phil Aldridge
Oct 64 min read
Full Transparency on Fees and Commissions
As a mortgage broker, I am committed to acting in your best interests for all your lending needs. I must comply with numerous legislative...
Phil Aldridge
Aug 193 min read
100,000 mortgages were switched in the June quarter.
Every couple of months I do the rounds of approaching the lenders on behalf of my clients and ask the said lender for a rate review. A...
Phil Aldridge
Aug 193 min read


Phil Aldridge
Aug 170 min read


This week’s lowest rates w/e 9th August 2025
On a fortnightly basis I provide an indication of the lowest available rates for basic and professional package variable rate products....
Phil Aldridge
Aug 171 min read
Reverse Mortgages: Your Golden Years Game-Changer
Let's talk about something that's becoming increasingly relevant for Aussie retirees - reverse mortgages. With 5.8 million Australians...
Phil Aldridge
Aug 163 min read
Why Most Borrowers Are Choosing to Stay Ahead Despite Rate Cuts.
The recent Reserve Bank of Australia rate cuts have provided welcome relief to Australian mortgage holders, but the numbers reveal a...
Phil Aldridge
Aug 165 min read
The Coming Property Market Transformation: What the Great Wealth Transfer Means for Australian Homebuyers
As a mortgage broker who has witnessed decades of market shifts, I'm seeing clear signs that the Australian property landscape is about t...
Phil Aldridge
Aug 163 min read
Rentvesting Set to Become Default Strategy
Rentvesting sees significant growth as property affordability challenges persist Recent data shows a substantial rise in "rentvesting"...
Phil Aldridge
May 143 min read
SMSF Property Investing is Ramping Up
· SMSF property investment isn't just for the wealthy - 15% of new SMSF trustees earn between $100k-$150k annually · ...
Phil Aldridge
May 143 min read
When to Refinance Your Home Loan: A Comprehensive Guide
Is Refinancing Right for You? Refinancing your home loan can potentially save you thousands of dollars over the life of your loan when...
Phil Aldridge
May 143 min read
SMSF Loans: Critical Considerations Before Proceeding
Market Volatility Risks What happens if the stock market drops significantly before your rollover to SMSF? If there's a sudden 10-20%...
Phil Aldridge
May 142 min read
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