Your property journey rarely ends at the first purchase. As life changes—career moves, family growth, location shifts—your home and loan should evolve too. Stage 1: First home Build good habits: Offset usage, emergency buffers, and repayment cadence. Choose flexible features: Redraw, portability, and fair break costs matter. Plan ahead: Think about future renovations or location …

In a competitive market, speed and certainty are superpowers. A mortgage pre-approval (subject to conditions) gives you clarity on your budget and shows sellers you’re serious. What pre-approval gives you Defined price range: Shop with confidence and avoid overcommitting. Faster negotiation: Sellers and agents prefer buyers who are finance-ready. Smoother settlement: Fewer surprises when your …

Property investing thrives on clarity. Even when rules evolve—assessment buffers, interest-only criteria, tax treatment—the winning approach is to stay informed and plan ahead. Common areas of change Lending criteria: Serviceability buffers, interest-only terms, and rental shading can shift. Tax settings: Depreciation rules, interest deductibility, and land tax vary by property type and state. Regulatory priorities: …