Clear, practical articles on business and commercial lending, refinancing and buying your first home — written for Sydney and NSW borrowers.
No jargon, no hard sell — just useful explanations of how lending works so you can make confident decisions. Have a question of your own? Kevin is a call away.
How family security guarantees work, what the guarantor really signs, a worked $800k example against the 5% Deposit Scheme — and why release takes longer in a falling market.
Read ArticleThe scheme, the real monthly numbers, the RBA's negative-equity warning and when to put down more — a clear-eyed guide to 95% loans in a falling Sydney market.
Read ArticleThe 5% deposit scheme and the NSW duty exemption save different money at different price points. The actual numbers from $700k to $1.5m, with a worked $850k example.
Read ArticleEvery current grant and scheme for NSW first home buyers — the $10k grant, duty exemptions, the 5% deposit scheme, Help to Buy and the super saver — in one guide.
Read ArticleSydney values fell 4% over the past quarter. What a lower bank valuation does to your LVR and LMI position — and the five options when the number comes in low.
Read ArticleHow to compare offset-enabled loans on rate, fees, 100% versus partial offsets and redraw — plus the post-settlement linking check ASIC says borrowers miss.
Read ArticleHow Australian fixed-loan break costs are calculated, when they apply, and how to run the break-even maths before you refinance.
Read ArticleWhich lenders pay cashback to refinance right now, how the maths really works, and the three-number test we run before recommending a switch.
Read ArticleThe five inputs that decide whether refinancing your NSW home loan will actually save money — including switching costs, break costs and the break-even test.
Read ArticleWhat lenders actually assess — serviceability, security, deposit and your business numbers — and how to put your strongest case forward.
Read the guideWhen a switch makes sense, the costs to weigh up, and how the process works from your first review through to settlement.
Read the guideDeposits, grants and concessions, the steps to your first purchase, and the support available to NSW first home buyers.
Read the guide