Home loans explained

We’ve put together a bunch of helpful guides on everything from deposits to repayments to answer your home loan questions.

Buying your second home
Buying a second home? Borrowers can use equity in…

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Construction loans
If you’re looking to build your own home, or make…

Learn more

Debt consolidation
If you’ve got credit cards, personal loans or car…

Learn more

Equity home loans
Accessing your home’s equity can help you renovate…

Learn more

First Home Owner Grant (FHOG)
Think you might be eligible for the First Home Owner…

Learn more

Fixed rate home loans
Fixed interest rate loans can provide security and…

Learn more

Guarantor home loans
A guarantor leverages the equity in their own…

Learn more

Home loan deposits
We explain how much deposit you’ll need to have…

Learn more

Home loan interest rates
Why do interest rates change? How are they…

Learn more

Home loan pre-approval
Find out what pre-approval is, how to extend it and…

Learn more

Home loan redraw facility
A redraw facility can offer a lot of flexibility and…

Learn more

Home loan repayments
Understand how much you’ll need to pay, when you’ll…

Learn more

Lenders Mortgage Insurance
LMI stands for Lenders Mortgage Insurance. Here we…

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Loan to Value Ratio (LVR)
Loan to Value Ratio helps lenders determine risk…

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Low doc home loans
Self-employed or low on documents? Find out exactly…

Learn more

Mortgage protection insurance
An optional insurance that can help repay your loan…

Learn more

No deposit home loans
Got little or no property deposit? Read our guide to…

Learn more

Offset accounts
Understand what an offset account is, how it works…

Learn more

Positive and negative gearing
If you’re investing in property, it’s important to…

Learn more

Refinancing your home loan
Find out if you could reduce your repayments or cut…

Learn more

Rentvesting: Investing while renting
Young Australians are increasingly choosing to…

Learn more

Self-employed home loans
Self-employed and thinking of applying for a home…

Learn more

Split loans
Can’t decide on a fixed or variable rate? With a…

Learn more

Variable rate home loans
Understand why interest rates fluctuate and the pros…

Learn more

Buying your second home
Buying a second home? Borrowers can use equity in…

Learn more

Construction loans
If you’re looking to build your own home, or make…

Learn more

Debt consolidation
If you’ve got credit cards, personal loans or car…

Learn more

Equity home loans
Accessing your home’s equity can help you renovate…

Learn more

First Home Owner Grant (FHOG)
Think you might be eligible for the First Home Owner…

Learn more

Fixed rate home loans
Fixed interest rate loans can provide security and…

Learn more

Guarantor home loans
A guarantor leverages the equity in their own…

Learn more

Home loan deposits
We explain how much deposit you’ll need to have…

Learn more

Home loan interest rates
Why do interest rates change? How are they…

Learn more

Home loan pre-approval
Find out what pre-approval is, how to extend it and…

Learn more

Home loan redraw facility
A redraw facility can offer a lot of flexibility and…

Learn more

Home loan repayments
Understand how much you’ll need to pay, when you’ll…

Learn more

Lenders Mortgage Insurance
LMI stands for Lenders Mortgage Insurance. Here we…

Learn more

Loan to Value Ratio (LVR)
Loan to Value Ratio helps lenders determine risk…

Learn more

Low doc home loans
Self-employed or low on documents? Find out exactly…

Learn more

Mortgage protection insurance
An optional insurance that can help repay your loan…

Learn more

No deposit home loans
Got little or no property deposit? Read our guide to…

Learn more

Offset accounts
Understand what an offset account is, how it works…

Learn more

Positive and negative gearing
If you’re investing in property, it’s important to…

Learn more

Refinancing your home loan
Find out if you could reduce your repayments or cut…

Learn more

Rentvesting: Investing while renting
Young Australians are increasingly choosing to…

Learn more

Self-employed home loans
Self-employed and thinking of applying for a home…

Learn more

Split loans
Can’t decide on a fixed or variable rate? With a…

Learn more

Variable rate home loans
Understand why interest rates fluctuate and the pros…

Learn more