Posts
All the articles I've posted.
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دليل شامل للحصول على قرض منزلي في أستراليا 2026
كل ما تحتاج معرفته للحصول على قرض منزلي في أستراليا 2026.
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القرض الحلال في أستراليا — دليل التمويل الإسلامي 2026
دليل التمويل الإسلامي الحلال لشراء منزل في أستراليا 2026.
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Fixed vs Variable Home Loan: Rate Outlook and When to Fix
The Reserve Bank of Australia has left the cash rate target at 4.35 per cent since the November 2023 meeting, but the pricing of home loans has been anything…
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Discharge Authority and Your Solicitor: A Refinancing Owner's Complete Walkthrough
Understand the discharge authority form and your solicitor's role in refinancing. Connor Hayes walks owner-occupiers through the 2026 settlement process step by step.
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Fixed Rate Break Cost for Owner Occupiers: How It's Calculated and When It's Worth It
Fixed rate break costs can run into thousands for owner-occupiers refinancing early. Learn the formula, real 2026 examples, and when paying the fee actually makes sense.
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Refinancing Costs: Break Fees, Discharge Fees, and Government Charges
With the Reserve Bank of Australia delivering a 25‑basis‑point cut in February 2025 and wholesale funding markets pricing further easing, the material costs…
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Offset Account vs Redraw Facility: Which Reduces Interest More?
The Reserve Bank of Australia left the cash rate target unmoved at 4.35% at its May 2024 meeting, holding it at the highest level since November 2011 after a…
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Joint Tenants vs Tenants in Common: Tax Implications in Australia
The Australian Taxation Office sharpened its focus on property co-ownership from 1 July 2024, expanding its data-matching program with state revenue offices…
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Investment Loan Pre-Approval: Borrowing Capacity Based on Rental Income
An investor’s borrowing capacity no longer hinges solely on the headline cash rate after the Reserve Bank cut the official cash rate to 4.10% on 18 February…
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Cross-Collateralisation: How It Works and When to Avoid
When the Reserve Bank of Australia lifted the cash rate for the thirteenth time in November 2023, property investors who had built portfolios on the back of…
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SMSF Property Loan Rules: Borrowing to Buy Investment Property
The Australian Taxation Office has not been subtle about its intentions. On 17 July 2024, the ATO released its annual SMSF statistical overview confirming th…
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Property Depreciation Schedules: Claiming Capital Works and Assets
With new interest rate floors being embedded across the major banks’ serviceability calculators and a 3.0 percentage point buffer still policing every dollar…