20-year or 30-year bond: how to choose
A 30-year bond gives a lower monthly instalment but costs more interest overall than a 20-year bond. Learn the trade-off and how to keep both options open.
Access bonds, re-advances and further loans explained
An access bond lets you draw back money you have paid in. A re-advance or further loan is a separate request. Learn how each works and what they cost.
Paying extra into your bond: what it saves
Extra payments cut the capital you owe, so you pay less interest and finish sooner. See how it works, what to check and when it makes sense.
What does a bond originator do, and is it worth using one?
A bond originator applies to several banks for you and says banks pay them, so you do not. See what they do, what to ask, and when going direct is enough.
Fixed or variable interest rate: which suits you?
A variable rate moves with the market, while a fixed rate stays put for an agreed period. Compare how each affects your budget, risk and flexibility.
How to improve your credit record before applying for a bond
A cleaner credit record can help you qualify for a bond. Get your free report, fix errors, reduce balances and build a record of paying on time.
How banks decide what you can afford
Banks weigh your income, spending, debts and credit record before lending. See what they look at, why they must check, and how to test your budget.
How home loan pre-approval works
Pre-approval tells you roughly how much a bank may lend before you make an offer. See what it involves, what to prepare and what it doesn't guarantee.
Buying property with a partner, friend or family member
Buying with a partner, friend or relative means shared debt and risk. See how banks treat co-owners, why an agreement matters and what marriage changes.
Buying in a new development: VAT, transfer duty and delays
Buying from a developer usually means VAT instead of transfer duty. See how they differ, what else you pay, and how to plan for building delays.