Guides
Plain English answers, no email opt-in.
Every guide here is the same conversation we have with new clients on the first call. Written by a broker, not a content team.
Most-read
Guide · LMI
Lenders Mortgage Insurance — the honest answer.
What LMI is, when it triggers, what it costs, and the three legitimate ways to avoid paying it. From a broker who's negotiated 2,000+ files.
Read guide →Guide · Refinance
How to refinance — without the bank run-around.
When to refinance, when not to, what break costs really mean, and the cashback offers worth taking. A senior broker's playbook.
Read guide →Guide · Pre-approval
Pre-approval — the numbers before you call the agent.
Pre-approval explained honestly — what it gives you at auction, what it doesn't, how long it lasts, and the documents to have ready.
Read guide →Guide · Broker vs Bank
Broker or bank — the honest answer.
When a broker beats the bank, when the bank beats the broker, and what the 'best interest duty' actually means. A senior broker, calling it straight.
Read guide →Guide · Process
From first call to keys.
Six steps from discovery call to keys, with typical timing and what happens at each stage. A senior broker's actual playbook.
Read guide →Guide · Commercial
Commercial property — yield over growth.
Yields, lease structures, LVR norms, lease-doc options, GST, and the SMSF angle. The honest guide to commercial property finance.
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Stamp duty across the east coast
Guide · Stamp Duty
Stamp duty — the unavoidable line item.
Read guide →Guide · Stamp Duty · QLD
Queensland transfer duty — exactly how it works.
Read guide →Guide · Stamp Duty · NSW
NSW transfer duty — the full picture.
Read guide →Guide · Stamp Duty · VIC
Victoria — and the 5.5% trap.
Read guide →Guide · Stamp Duty · ACT
ACT conveyance duty — income-tested, not price-based.
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