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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...
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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%...
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10 Home Loan Hacks I've Identified Over My Years in Lending/Brokering
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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...
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"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...
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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...
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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....
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May 14, 20251 min read


This week’s lowest rates w/e 09 April 2025.
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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...
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Mar 17, 20253 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:...
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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....
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Mar 17, 20251 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...
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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...
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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...
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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...
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Mar 3, 20252 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....
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This week’s lowest rates w/e 14 February 2025.
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Feb 18, 20251 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...
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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. ...
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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...
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Jan 9, 20252 min read
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