Home loan pre-approval usually lasts 90 days and guarantees nothing. What lenders check, how it shows on your credit file, and why buyers get declined later.
Anderson Aguiar
How an offset account works, what it saves at 2026 rates on a $600,000 loan, offset vs redraw, and the tax trap if your home ever becomes a rental.
Anderson Aguiar
10.8% of new investor loans are already at 6x income or more. What counts in your debt-to-income ratio under APRA's 2026 cap, and the fastest ways to cut it.
Anderson Aguiar
How far can prices fall before a 5% deposit buyer is underwater? On paper 6.1%, in practice 2.6%. The negative equity arithmetic for Australia's scheme buyers.
Anderson Aguiar
Upper quartile values fell 3.2% in three months while entry-level homes rose. For upgraders that is a discount, if you survive the bridging finance and the valuation.
Anderson Aguiar
Three RBA hikes took the cash rate to 4.35% and stripped tens of thousands from buyer budgets. What Australians can actually borrow in 2026, and how to protect it.
Anderson Aguiar