Home loan guides
Short guides to the questions people ask before they borrow. Each one is checked against official sources, such as Moneysmart and Housing Australia, and dated.
How much deposit do you need?
20%, 5% or 2%: the deposit at each level, what LMI means and the upfront costs on top. With an estimator.
Read moreHome loan pre-approval
What pre-approval is, how long it lasts, what lenders ask for and how it shows on your credit file.
Read moreSplit home loans
Part fixed, part variable: how a split works, why people use it and the trade-offs.
Read moreHow mortgage brokers get paid
Commission, trail, clawbacks and the best interests duty, from the law and Moneysmart.
Read moreTools and state-by-state data
- First home buyer grants and concessions by state
- Borrowing power calculator
- Help to Buy scheme and the 5% Deposit Scheme
General information only. It does not take into account your objectives, financial situation or needs, and it is not a recommendation to enter into any credit contract.
Talk to Zafar
Call Zafar, request a call back or send a message. Zafar works with clients across Australia by phone and video, and meets clients in person in Melbourne.