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10 Home Loan Hacks I've Identified Over My Years in Lending/Brokering
1. Company Car Benefit A fully maintained company car can add between $3,000-$7,500 in extra income to your borrowing position. I always...
Phil Aldridge
May 144 min read
Interest-Only Repayments on Your Home Loan: Not Just for Investors
The Surprising Strategy Smart Homeowners Use Most people believe interest-only loans are exclusively for property investors seeking tax...
Phil Aldridge
May 142 min read
"He was pre-approved for $750k... until He wasn't."The call no homebuyer wants to receive
A client was 33, financially stable, and had done everything right. A major bank pre-approved him for a $750,000 loan. Green light to go...
Phil Aldridge
May 142 min read
Albanese Re-elected: Housing Plans for Australia's Future
Australia has elected the ALP for another three years of government. With housing being a critical issue for voters in the lead-up to the...
Phil Aldridge
May 144 min read


This week’s lowest rates w/e 11 May 2025.
On a fortnightly basis I provide an indication of the lowest available rates for basic and professional package variable rate products....
Phil Aldridge
May 141 min read


This week’s lowest rates w/e 09 April 2025.
On a fortnightly basis I provide an indication of the lowest available rates for basic and professional package variable rate products....
Phil Aldridge
Apr 101 min read
A Guide to First Home Buyer Incentives and Schemes
## Getting Started The first step in your home-buying journey should be doing thorough research and setting clear goals. From my...
Phil Aldridge
Mar 173 min read
CoreLogic’s February 2025 Home Value Index (HVI)
CoreLogic’s February Home Value Index (HVI) has been released with all the latest must-know property market metrics, including:...
Phil Aldridge
Mar 171 min read


This week’s lowest rates w/e 14 March 2025.
On a fortnightly basis I provide an indication of the lowest available rates for basic and professional package variable rate products....
Phil Aldridge
Mar 171 min read
ATO Targets Undeclared Rental Income with $1.2 Billion Recovery Effort
The Australian Taxation Office (ATO) is intensifying efforts to recover up to $1.2 billion in missing revenue from landlords who have...
Phil Aldridge
Mar 162 min read
Alfred exposes shocking Aussie property insurance shortfall
A leading property expert says cyclone Alfred has exposed an Aussie practice swept under the carpet for years, which could have a...
Phil Aldridge
Mar 162 min read
Navigating Mortgage Markets in 2025: How to Secure Better Deals
With lenders implementing stricter regulatory measures in today's high-interest rate environment, Pha Financial Services has provided...
Phil Aldridge
Mar 162 min read
Save Possibly $45,000 by Looking Beyond the Big Banks for Your Mortgage
New research reveals homebuyers could save more than $45,000 over the life of their loan by choosing smaller lenders instead of...
Phil Aldridge
Mar 32 min read


This week’s lowest rates w/e 28 February 2025.
On a fortnightly basis I provide an indication of the lowest available rates for basic and professional package variable rate products....
Phil Aldridge
Mar 31 min read


This week’s lowest rates w/e 14 February 2025.
On a fortnightly basis I provide an indication of the lowest available rates for basic and professional package variable rate products....
Phil Aldridge
Feb 181 min read
What Happens to Your Mortgage if Your House is Destroyed? Key Facts Every Homeowner Should Know
As mortgage brokers, we often get asked about worst-case scenarios. One question that comes up more than you might think is: "What...
Phil Aldridge
Jan 113 min read
The Dangers in Drawing Down a Loan into an Offset Account
When I was recently researching some tax questions for myself, I came upon this article and thought it could be handy for some clients. ...
Phil Aldridge
Jan 93 min read
Home Renovations That Could Make Your Home Harder to Sell
When considering home renovations, it's crucial to understand that not all improvements will add value to your property. Some changes...
Phil Aldridge
Jan 92 min read
Breaking Free from Mortgage Prison: Hope for Australian Borrowers
## What is Mortgage Prison? Mortgage prison occurs when borrowers find themselves unable to refinance to a better interest rate,...
Phil Aldridge
Jan 93 min read
CoreLogic’s January 2025 Home Value Index (HVI)
CoreLogic’s January Home Value Index (HVI) has been released with all the latest must- know property market metrics, including: ...
Phil Aldridge
Jan 91 min read
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