Articles
Written for the situations that come up most often on the phone — income that doesn’t fit a payslip, business debt that follows you into a home loan, and a fixed term about to end. No predictions about where rates are going, because nobody knows.
Coming off a fixed rate in 2026: what to do first
The two numbers to find before anything else, why breaking a fixed loan may cost less than you think, and a timeline for the six months before expiry.
Asset financeFinancing a prime mover without sinking your home loan
What the instant asset write-off actually covers, the difference between a balloon and a residual, and why truck finance hits a home loan twice.
Self-employedBuying a home when your income comes from an ABN
Why a profitable business can still produce a small assessed income, what lenders actually ask for, and the add-backs that change the answer.
Reading is no substitute for your actual numbers.
Tell me what you’re trying to do and I’ll tell you whether it’s possible, which lender is most likely to say yes, and what it will cost to get there.