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Home Loans

Our guides, tips and articles will help you navigate Australia’s housing market with confidence.

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Figure out what you can actually afford.

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The basics
LVR: Understanding Your Loan-to-Value Ratio

LVR: Understanding Your Loan-to-Value Ratio

A loan-to-value ratio (LVR) compares your home loan amount with the value of the property. Mortgage insurance is required with a high LVV.

Home Equity: What It Is and How to Use It

Home Equity: What It Is and How to Use It

Home equity is the market value of your house minus what you owe on your mortgage. Leverage equity for loans by tapping into a portion of it.

What is a Reverse Mortgage?

What is a Reverse Mortgage?

A reverse mortgage allows seniors to release the value of their home without having to sell it by trading home equity for cash.

Help for first-time home buyers
How to Save for a House Deposit

How to Save for a House Deposit

Saving up a house deposit on your home loan means achieving the first major milestone of your home-ownership quest.

How Much Can I Borrow for a Home Loan?

How Much Can I Borrow for a Home Loan?

Start by figuring out what amount your bank will lend you and, more importantly, what you can afford to borrow.

What Is Home Loan Pre-Approval?

What Is Home Loan Pre-Approval?

Home loan pre-approval is a statement from a lender agreeing to lend you a set amount to purchase a property.

How Much Do You Need for a House Deposit on a Home Loan?

How Much Do You Need for a House Deposit on a Home Loan?

A house deposit, or a home loan deposit, is your initial contribution to the total purchase price of a property — typically 5%-20%.

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