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ยฉ 2026 MakeMyLoan Pty Ltd ยท Credit Representative 389087, authorised under Australian Credit Licence ACL 548289. All loan applications are subject to lender assessment and approval. Calculator results are estimates only and do not constitute credit advice or an offer of credit. Comparison rates are based on a $150,000 loan over 25 years and may not reflect the true cost of your loan. Consider whether any product is right for your circumstances โ€” a licensed MakeMyLoan Pty Ltd broker will review every recommendation with you and provide a credit guide before any credit assistance is given. Call us on 1300 888 369 or email hello@makemyloan.com.au.
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Guides / Home Loans

Home Loans guides

Broker-written guides on home loans โ€” what lenders look for, what things cost, and how to get a better outcome.

Home LoansCredit & ApprovalRefinanceFirst Home BuyersInvestment LoansBusiness LoansCommercial FinanceCar LoansAsset FinanceSMSF LoansPersonal LoansBridging Finance
Renovated Queenslander home with a backyard poolHome Loans

How banks assess serviceability (the detailed version)

Inside a lender's serviceability assessment: net income, income shading, HECS, credit card limits, expense verification and the buffer rate explained.

5 min readยท11 July 2026
Modern minimalist white home on a sunny dayHome Loans

Stamp duty explained: what it is, who pays, and how much

How stamp duty (transfer duty) works in Australia: state-based rates, when it's payable, first home buyer concessions, and how to estimate your bill.

5 min readยท11 July 2026
Family home with a wide verandah and front lawn
Home Loans

How to read your borrowing power result (and what to do next)

Your borrowing power result is an estimate, not an approval. What moves the number up or down, and the steps from calculator to real lender assessment.

5 min readยท11 July 2026
Family home with a wide verandah and front lawnHome Loans

Construction Loans: How Progress Payments, Valuations and Builds Work

How construction loans work in Australia: progress payments, fixed-price building contracts, valuations, interest-only repayments and owner-builder hurdles.

5 min readยท11 July 2026
Architecturally designed timber home lit up at duskHome Loans

Understanding LVR: why your loan-to-value ratio matters

What LVR means, how the 80% threshold triggers LMI, why valuations can differ from purchase price, and how equity changes your loan-to-value ratio.

5 min readยท11 July 2026
Modern minimalist white home on a sunny dayHome Loans

What a mortgage broker actually does (and how brokers are paid)

What a mortgage broker does, how Best Interests Duty differs from bank staff obligations, how brokers are paid, and when a broker adds the most value.

5 min readยท23 May 2026
Renovated Queenslander home with a backyard poolHome Loans

Offset vs Redraw: Mechanics, Tax and Which Suits You

Offset accounts and redraw both reduce home loan interest, but they differ on access, fees and tax if you ever rent the property out. Here is how to choose.

5 min readยท8 May 2026
Architecturally designed timber home lit up at duskHome Loans

Fixed vs Variable Home Loans: The Honest Trade-Offs

Fixed, variable or split? Honest trade-offs for Australian borrowers, including break costs, revert rates and how to decide what actually fits your plans.

5 min readยท7 May 2026
Architecturally designed timber home lit up at duskHome Loans

How Pre-Approval Works (and When It Can Be Withdrawn)

What home loan pre-approval really means, how long it lasts, the difference between system and fully assessed approvals, and when lenders can withdraw it.

5 min readยท6 May 2026
Family home with a wide verandah and front lawnHome Loans

How much can I borrow for a home loan?

What actually decides your home loan borrowing power in Australia: income, expenses, debts and buffer rates โ€” and why bank calculators often disagree.

5 min readยท4 May 2026
Ready when you are

Explore our home loans options

See how MakeMyLoan brokers compare lenders and structure home loans โ€” no obligation, no jargon.

Home Loans โ€” see your options