Articles & Guides
Learn about concepts and how to use our calculators effectively
Featured Articles
Understanding Simple Interest — A Complete Guide
Simple interest explained with formula, worked examples, when to use it, and common pitfalls — plus a calculator to test scenarios.
Understanding Mortgage Repayments — A Complete Guide
Amortization explained: P&I vs IO, repayment frequency, rate/term effects, offset and extra repayments — with calculator.
Understanding Stamp Duty — A Complete Guide
Transfer duties explained: what they cover, how brackets/thresholds work, concessions/surcharges, and how to estimate them.
NSW Stamp Duty 2025: Rates, Thresholds, FHB & Surcharges
How NSW stamp duty works in 2025: brackets, first home buyer concessions, foreign buyer surcharges, and examples — with a calculator.
VIC Stamp Duty 2025: Rates, Thresholds, FHB & Surcharges
How Victorian stamp duty works in 2025: brackets, first home buyer concessions, foreign buyer surcharges — plus a calculator.
QLD Stamp Duty 2025: PPOR vs Investor, FHB & Surcharges
Queensland transfer duty in 2025: PPOR vs investment, FHB concessions, and foreign surcharges — with a calculator.
NSW Land Tax 2025: Thresholds, Owner Types, Surcharges
NSW land tax 2025 overview: thresholds, base amounts, marginal rates, owner types (individual vs company/trust), and foreign surcharges.
VIC Land Tax 2025: Thresholds, Owner Types, Surcharges
Victoria land tax 2025: thresholds and rates by owner type, absentee owner surcharge, examples, and calculator.
QLD Land Tax 2025: Thresholds, Owner Types, Surcharges
Queensland land tax 2025: thresholds and rates for individuals vs companies/trusts, foreign surcharges, and calculator.
NSW First Home Buyer Stamp Duty Concessions (2025)
NSW 2025 FHB concessions and exemptions: eligibility, thresholds, how to claim, and examples — with a calculator.
VIC First Home Buyer Stamp Duty Concessions (2025)
VIC 2025 FHB concessions: eligibility, thresholds, occupancy rules; how to apply — calculator included.
QLD First Home Buyer Stamp Duty Concessions (2025)
QLD 2025 FHB concessions: PPOR, thresholds, eligibility and process — with calculator.
Understanding Lenders Mortgage Insurance (LMI) — A Complete Guide
A practical, country‑agnostic guide to what LMI is, when it applies, how premiums are calculated, and how capitalising affects your loan.
Understanding Extra Repayments & Offset — A Complete Guide
How recurring extras, lump sums and offset accounts reduce interest and shorten your loan — with examples and calculator.
Understanding Borrowing Power — A Complete Guide
How lenders assess capacity: income, expenses, debts, buffers, rate, term and policy settings — with calculator.
All Articles
Finance
Compound Interest vs Simple Interest: Which is Better?
Compare compound and simple interest to understand which approach works best for your financial goals.
Understanding Simple Interest — A Complete Guide
Simple interest explained with formula, worked examples, when to use it, and common pitfalls — plus a calculator to test scenarios.
Understanding Mortgage Repayments — A Complete Guide
Amortization explained: P&I vs IO, repayment frequency, rate/term effects, offset and extra repayments — with calculator.
Understanding Lenders Mortgage Insurance (LMI) — A Complete Guide
A practical, country‑agnostic guide to what LMI is, when it applies, how premiums are calculated, and how capitalising affects your loan.
Understanding Extra Repayments & Offset — A Complete Guide
How recurring extras, lump sums and offset accounts reduce interest and shorten your loan — with examples and calculator.
Understanding Borrowing Power — A Complete Guide
How lenders assess capacity: income, expenses, debts, buffers, rate, term and policy settings — with calculator.
Property
Understanding Stamp Duty — A Complete Guide
Transfer duties explained: what they cover, how brackets/thresholds work, concessions/surcharges, and how to estimate them.
NSW Stamp Duty 2025: Rates, Thresholds, FHB & Surcharges
How NSW stamp duty works in 2025: brackets, first home buyer concessions, foreign buyer surcharges, and examples — with a calculator.
VIC Stamp Duty 2025: Rates, Thresholds, FHB & Surcharges
How Victorian stamp duty works in 2025: brackets, first home buyer concessions, foreign buyer surcharges — plus a calculator.
QLD Stamp Duty 2025: PPOR vs Investor, FHB & Surcharges
Queensland transfer duty in 2025: PPOR vs investment, FHB concessions, and foreign surcharges — with a calculator.
NSW Land Tax 2025: Thresholds, Owner Types, Surcharges
NSW land tax 2025 overview: thresholds, base amounts, marginal rates, owner types (individual vs company/trust), and foreign surcharges.
VIC Land Tax 2025: Thresholds, Owner Types, Surcharges
Victoria land tax 2025: thresholds and rates by owner type, absentee owner surcharge, examples, and calculator.
QLD Land Tax 2025: Thresholds, Owner Types, Surcharges
Queensland land tax 2025: thresholds and rates for individuals vs companies/trusts, foreign surcharges, and calculator.
NSW First Home Buyer Stamp Duty Concessions (2025)
NSW 2025 FHB concessions and exemptions: eligibility, thresholds, how to claim, and examples — with a calculator.
VIC First Home Buyer Stamp Duty Concessions (2025)
VIC 2025 FHB concessions: eligibility, thresholds, occupancy rules; how to apply — calculator included.
QLD First Home Buyer Stamp Duty Concessions (2025)
QLD 2025 FHB concessions: PPOR, thresholds, eligibility and process — with calculator.
NSW Foreign Buyer Surcharge (2025) — Stamp Duty Overview
NSW foreign buyer surcharge 2025: who pays, how much, what property types, and interplay with standard duty.
VIC Foreign Purchaser Additional Duty (2025)
Victoria FPAD 2025: who pays, rates, exemptions and interactions with standard duty.
QLD Foreign Buyer Surcharge (2025) — Transfer Duty
QLD foreign buyer surcharge 2025: applicability, rates and scope — plus calculator.
Understanding Investment Property Yield — A Complete Guide
Gross vs net yield, typical expenses, vacancy assumptions and cash‑flow basics for property investors.