Insights
Buying process
Rent to Own Homes in NSW: How They Work and the Risks
Rent-to-own deals are legal in NSW but you do not own anything until title is registered. How they work, the risks, and safer low-deposit routes.
Buying in a Mine Subsidence District: Approvals and Your Loan
Parts of Macarthur, the Hunter and the Central Coast sit in NSW mine subsidence districts. What to check before you buy, and how lenders see it.
Modular and Prefab Home Loans: How Factory-Built Homes Are Financed
Modular home loans: factory-built homes clash with how construction loans pay builders. How lenders handle prefab homes, deposits and approvals.
Tiny Home Finance in Australia: What Can Be Funded
A tiny home on wheels is financed like a vehicle, not a house. When a tiny home can be part of a home loan, and the…
Subject to Finance in NSW: How Finance Clauses Work
Subject to finance clause in NSW: contracts have no standard finance clause, so most buyers rely on cooling-off. When to add one and the auction trap.
Buying a Mortgagee Sale Property in NSW
Mortgagee in possession sales are rarely bargains. How the contract differs, why most go to auction and how to have your finance ready before you bid.
Buying a Deceased Estate Property: Probate, Timing and Finance
Buying a deceased estate in NSW can mean a dated home and a settlement that waits on probate. How to plan the finance, the timing and…
What Happens to Your Construction Loan if Your Builder Collapses?
If your builder goes broke, the Home Building Compensation Fund can cover your deposit and the cost to finish, up to $340,000. What happens to your…
Breaking Your Lease When You Buy a Home in NSW
Bought a home before your lease ends? NSW sets break fees of one to four weeks’ rent on leases of three years or less. How to…
Buying a Flood or Bushfire Prone Property: Insurance and Your Loan
A mortgage on a flood prone or bushfire prone property: the lender needs insurance at settlement. What the planning certificate shows and what to check.
Buying a Water-Access Home in Sydney: Island and Pittwater Loans
Island home loans for Scotland Island, Dangar Island and other water-access homes in Pittwater: why fewer lenders lend and the deposit they want.
Postcode Restrictions: Why Lenders Limit Loans in Some Areas
Postcode restrictions on home loans: some lenders cap the loan or want a bigger deposit in certain postcodes, often apartment areas. Why, and what to do.
Joint Mortgage With Your Parents: How It Works in NSW
Buying with a parent on the loan and the title: how lenders assess it, the NSW duty rule for a 50/50 split, scheme limits, tax on…
What Is the Average Home Loan in NSW and Sydney?
The average new owner-occupier loan in NSW was $842,000 in the June quarter 2026, the highest of any state. ABS figures, repayments and what drives them.
Conveyancing Costs in NSW: What You Pay When Buying
What NSW conveyancing costs are made of: the professional fee, searches, government fees of $182.73 each for transfer and mortgage, and what to ask first.
Buying Your Parents’ House: How the Finance Works in NSW
Buying the family home from your parents: gifted equity, the lender’s valuation, NSW duty on market value, CGT and pension rules to sort before signing.
What Does a Mortgage Broker Do? From First Call to Settlement
What a mortgage broker does in Australia: the assessment, lender comparison, application and settlement work, and the duty to act in your interest.
Buying a House in NSW: The Process, Step by Step
The house buying process in NSW in order: pre-approval, offer or auction, contract review, exchange, cooling-off, approval and settlement, with timings.
The Cooling-Off Period in NSW: How It Works When You Buy
The NSW cooling-off period: five business days, 10 for off the plan, the 0.25% cost to withdraw, the auction exception and the 66W certificate.
What Happens at Settlement in NSW, and How Long It Takes
What happens at property settlement in NSW: the usual 42 days, the final inspection, how funds and stamp duty move electronically and what can delay it.
Buying a House With Friends or Family: How Co-Ownership Works
Buying a house with a friend or sibling: joint loans, tenants in common, the 5% Deposit Scheme, NSW duty rules and why you need an exit…
Buying Your First Apartment in Sydney
Strata reports, levies, lender rules on units and the questions to ask before you offer. The apartment buyer's real due diligence list.
The First Home Buyer Checklist
The first home purchase as phases, not panic: what to do six months out, three months out, during the search, and through to settlement.
Should I Get Pre-Approval Before an Auction?
Auction wins are unconditional. What pre-approval protects, the valuation gap it doesn't, and the auction-day logistics that matter.