Mortgage in Australian property
Everything we've published on mortgage — 14 expert guides and news pieces, plus 2 related free calculators.
Does HECS or HELP Debt Affect Borrowing Power in 2026?
How HECS and HELP debt affects mortgage borrowing power in 2026, including the new marginal repayment system, the $67,000 threshold, lender serviceability and whether paying it off before buying can help.
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NewsShould You Fix Your Home Loan in 2026 After the RBA Rate Hikes?
A practical 2026 guide to fixed, variable and split home loans after the RBA rate hikes, including repayment certainty, offset access, break costs, refinancing and when each option may suit.
NewsHow Much Can I Borrow After the 2026 RBA Rate Hikes?
How the 2026 RBA rate hikes, APRA serviceability buffer and lender assessment rules affect Australian borrowing power, with worked examples by income and practical ways to protect a pre-approval.
NewsRBA Hikes Cash Rate to 4.35% — Third Consecutive Rise as Inflation Re-Accelerates
The Reserve Bank lifted the cash rate by 25 basis points to 4.35% on 5 May 2026, the third hike of the year. Big Four banks have all confirmed full pass-through. What it means for repayments, the inflation backdrop, and what comes next.
NewsBig Four Banks Pass Through RBA March Hike: What Homeowners Need to Know
CBA, NAB, Westpac and ANZ have all passed on the RBA's March 0.25% rate rise in full. Effective dates, the repayment impact, and what borrowers should do now.
FinanceUnderstanding Mortgage Repayments — A Complete Guide
Amortization explained: P&I vs IO, repayment frequency, rate/term effects, offset and extra repayments — with calculator.
FinanceUnderstanding 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.
FinanceLMI vs Higher Interest Rate: Which Costs More?
A practical comparison of paying LMI versus accepting a higher interest rate, including how to compare upfront premiums, monthly repayments and long-term interest.
NewsUnderstanding Comparison Rates: Why the Advertised Rate Isn't the Full Story
What an Australian comparison rate is, how it is calculated, why it matters when comparing home loans, and its limitations. Use our Loan Comparison Calculator to compare the true cost of loans.
FinanceInterest Only vs Principal & Interest Home Loans: Complete Comparison
A detailed comparison of interest only (IO) and principal and interest (P&I) home loans — how each works, who they suit, pros and cons, and total cost differences.
FinanceOffset Account vs Redraw Facility: Key Differences Explained
Compare offset accounts and redraw facilities — how each works, the key differences, tax implications for investors, and which option suits your home loan strategy.
NewsYour Fixed Rate Is Expiring in 2026: What to Do Before It Rolls Over
Billions in fixed-rate mortgages are rolling over in 2026. If your fixed rate is expiring, here is what to do to avoid the revert rate shock and potentially save thousands.
NewsHow RBA Interest Rates Affect Your Property Costs in 2026
Understand how the RBA cash rate flows through to your mortgage repayments, borrowing power, and property costs — and what strategies can help.
NewsRBA Raises Cash Rate to 4.10% in March 2026: What It Means for Property
The RBA increased the cash rate to 4.10% on 17 March 2026 — the first rise since November 2023. What this means for mortgage holders, borrowers, and the property market.
Calculators for Mortgage
2 free tools
FinanceMortgage Repayment Calculator
Calculate mortgage payments, total interest, and view an amortization schedule for your home loan.
Run itPropertyLenders Mortgage Insurance (LMI) Calculator
Calculate LMI premiums, repayment impacts, and explore options to avoid LMI costs. Get instant estimates based on your loan amount, property value, and borrower profile.
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