Guides to Smarter Home Loans

Real insights from brokers who specialise in first homes, refinancing, and investing. Practical advice, human stories, and expert guidance to help you make confident decisions.

Foundations: Concepts & Comparisons

What Lenders Really Look for in 2025 – Beyond Just Your Income

How to prepare your home loan application for the best chance of approval.

Foundations: Concepts & Comparisons

Aug 14, 20252 min read

Perth couple comparing fixed and variable loan structures

Fixed or Variable? How to choose the right loan structure in Perth (2025 Guide)

We explain the pros and cons of fixed, variable, and split loans.

Foundations: Concepts & Comparisons

Aug 13, 20252 min read

A road in Perth's suburbs diverging to the left and to the right.

Offset vs Redraw - What's the difference and which one should you use?

Learn the difference between offset accounts and redraw facilities, their pros and cons, and how to choose the right option for your home loan.

Foundations: Concepts & Comparisons

Aug 12, 20252 min read

Guides to Smarter Home Loans

Foundations: Concepts & Comparisons

What Lenders Really Look for in 2025 – Beyond Just Your Income

Fixed or Variable? How to choose the right loan structure in Perth (2025 Guide)

Offset vs Redraw - What's the difference and which one should you use?

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