Specialist Loans
8 articles.
Self-Employed Home Loans: What Lenders Want to See
Self-employed and want a home loan? Here's how lenders assess business income, the documents needed, add-backs, low doc options and how to prepare.
Home Loans for Temporary Visa Holders: The 2026 Foreign Buyer Ban
Temporary visa holders can't buy established homes until at least 31 March 2027. Here's what you can still buy, FIRB rules, lender policies and extra costs.
Home Loans for New Permanent Residents and Recent Migrants
Just got PR or recently moved to Australia? How lenders treat permanent residents, overseas income and credit history, plus the schemes you can use.
Home Loans for Older Borrowers and Retirees
Can you get a home loan in your 50s, 60s or retirement? How lenders assess older borrowers, exit strategies, super and pension income, and your options.
How to Fix Your Credit Before Applying for a Home Loan
Practical steps to repair your credit file before a home loan application: fixing errors, dealing with defaults, limiting enquiries and building history.
Home Loans for Nurses, Aged Care and Disability Support Workers
Nurses, aged care and NDIS support workers often have shift penalties, casual hours and overtime. Here's how lenders assess your income and how to borrow more.
HECS-HELP Debt and Your Home Loan: How Much Does It Affect You?
Your HELP debt reduces borrowing power because repayments come out of your pay. Here's how lenders assess HECS, recent changes, and whether to pay it off first.
Using a Gifted Deposit From Family: The Rules Lenders Apply
Can your parents gift you a home deposit? How lenders treat gifted funds, gift letters, genuine savings rules, and how a gift differs from a loan or guarantee.
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