Buying A House
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Can I Buy a House if I Have Filed Bankruptcies? AU Expert
Can I buy a house if I have filed bankruptcies in the past? Yes, you may still qualify for a home loan in Australia after bankruptcy, provided you meet a lender’s eligibility requirements. However, your discharge date, deposit, income and credit history can significantly affect your options. Bankruptcy does not automatically end your plans for…
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Can I Buy a House and Put It in a Trust? Key Things to Know
Can you buy a house and put it in a trust in Australia? Yes, you can, and many property investors use trusts to manage assets, distribute income and plan for succession. However, owning property through a trust can create tax costs and lending challenges that outweigh the benefits. Before choosing a family trust property structure,…
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Buying A House After Divorce: Everything You Need To Know
Post-Divorce Borrowing Estimator New Chapter, New Foundations: Buying a home on a single income after a separation or divorce requires a fresh financial snapshot. This quick calculator estimates your individual borrowing capacity based on your sole income and support factors. Your Sole Annual Income (Gross) $ Child / Spousal Support Received (Annual) $ Monthly Commitments…
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What Is A Conveyancer And What Do They Do? A Complete Guide
Buying or selling property involves more than agreeing on a price and signing paperwork. Understanding what a Conveyancer is and what they do can help you avoid costly mistakes, meet legal deadlines and transfer ownership correctly. This guide explains a conveyancer’s responsibilities, the difference between a conveyancer and a solicitor, typical fees, and the settlement…
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What Is Genuine Savings? A Guide for Australian Home Buyers
Your deposit could be large enough to buy a property, yet a lender may still question where your money came from. Understanding what genuine savings is can help you prepare your deposit evidence and avoid delays during your application. This guide explains everything you need to know about how lenders assess genuine savings, which funds…
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What Is a Comparison Rate For Home Loans? Avoid Costly Fees:
When comparing mortgages, the lowest advertised interest rate can hide costs that make your home loan more expensive. Understanding what is a comparison rate helps you look beyond the headline figure and evaluate the real cost of borrowing. This guide explains how comparison rates work in Australia, which fees they include, and why standardised calculations…
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How To Buy A House In Australia As A Foreigner – Complete Guide
Buying property overseas can feel like stepping into a game where everyone knows the rules except you. If you want to understand how to buy a house in australia as a foreigner, you must first navigate Australia’s foreign investment rules, visa restrictions and property taxes. One mistake could delay your purchase or make an otherwise…
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Can I Get A Home Loan If I Owe Taxes – Complete Guide
Owing money to the Australian Taxation Office can make buying property feel out of reach. However, applying for a home loan while owing taxes is not always answered with a simple no. Your tax debt matters because lenders assess your entire financial position. This guide explains how tax debt affects borrowing, what lenders may ask…
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Can I Get A Home Loan If I’m Self Employed – Complete Guide
Getting a home loan while self employed is a question many business owners ask before entering the property market. The answer is yes, but your income needs different evidence than a salaried employee’s income. Lenders assess your business structure, income history, expenses, debts and financial records. This guide explains what lenders look for, which documents…
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Can I Get A Home Loan If I Am Retired – Complete Guide
Retirement does not automatically shut the door on borrowing. If you are currently asking, can i get a home loan if i am retired, the answer is yes, depending on your finances. However, lenders assess retirement applications differently. This guide explains income, superannuation, Age Pension payments, assets, loan terms and repayment strategies. Key takeaways Question…
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Can I Get A Home Loan If I Just Started A New Job – Complete Australian Guide
Can I get a home loan if I just started a new job? In many cases, yes. Starting a new role does not automatically prevent you from qualifying for a mortgage. However, lenders need confidence that your new income is genuine, stable and sustainable. This guide explains how lenders assess new employment, probation periods, payslips,…
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Advantages and Disadvantages of Variable Interest Rate
The advantages and disadvantages of variable interest rate mortgages can affect your repayments, flexibility and long-term borrowing costs. The biggest trade-off is simple: you gain flexibility, but you accept the risk of changing repayments. This guide breaks down the key benefits and drawbacks, explains how rate movements affect you, and shows what to consider before…
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Bad Credit Home Loans – Can I Get a Home Loan With Bad Credit?
Bad credit home loans can still be possible, even if your credit history has defaults, missed repayments or other negative marks. However, bad credit can narrow your lender options and make the cost of borrowing higher. The key is understanding what lenders actually see on your credit report. This guide explains how bad credit home…
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Can I Use My Super To Buy A House in Australia?
Can I use my super to buy a house in Australia? Yes, but usually not by simply withdrawing your existing super balance. For most home buyers, the main pathway is the First Home Super Saver Scheme. Other pathways apply only when you meet specific superannuation release conditions. Key Takeaways Key point What you need to…
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What Is A Building and Pest Inspection and What Does It Cover?
A house can look perfect during an open home. Fresh paint can hide cracks. New flooring can cover damaged boards. Landscaping can conceal drainage problems. Then there are problems you cannot see. Termites can damage timber behind walls. Moisture can spread beneath floors. Roof damage can remain hidden from the ground. That is why a…