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Guides

Know before you borrow

Straight-talking explainers on the things that change what you pay — written by our team, reviewed by our credit specialists and kept up to date.

Balloon car loan payments, explained simply Balloon car loan payments explained: what a balloon means, how it lowers your repayments, what's due at the end and your options when it lands. Read the guide
Behind on your mortgage? What to do, step by step Behind on mortgage payments in Australia? What happens next, your rights to hardship help, default notices, and options including refinancing or selling. Read the guide
Cheaper Home Batteries Program, explained How much the federal battery rebate takes off, who is eligible, what changed on 1 May 2026 and simple ways to fund the rest of your home battery. Read the guide
Your credit score for a loan, explained Your credit score for a loan, explained: what lenders check, how enquiries and defaults affect it and free ways to lift it. Enquiring with us won’t hurt it. Read the guide
Home loan rejected? Here's what to do next Home loan rejected by the bank? The common reasons, what not to do next, and how specialist lenders may still approve you. Practical steps for Australians. Read the guide
How lenders assess irregular income for a home loan How Australian lenders assess irregular income from casual work, overtime, gig platforms, commission and self-employment, and how to make yours count. Read the guide
How long after bankruptcy can you get a home loan? How long after bankruptcy you can get a home loan in Australia: what changes at discharge, after one and two years, and when mainstream lenders return. Read the guide
Kitchen renovation cost in Australia, and how to fund it How much does a kitchen renovation cost in Australia? See where the money goes, the buffer to keep, and how to fund the reno without blowing the budget. Read the guide
Vet surgery cost in Australia, and how to cover it How much does vet surgery cost in Australia? See typical price ranges, where pet insurance leaves gaps, and ways to pay when savings won't stretch. Read the guide
How to fix bad credit before applying for a home loan Practical, free ways to fix bad credit before a home loan in Australia: check your reports, dispute errors, settle defaults and build a clean record. Read the guide
How to get a loan approved fast: a checklist How to get a loan approved fast: the documents lenders ask for, what slows applications down and easy ways to speed things up. Grab our checklist and enquire. Read the guide
Is a car loan secured or unsecured? Is a car loan secured or unsecured? Most are secured by the car. See what that means, when unsecured fits, and what happens if repayments slip. Read the guide
The accountant's letter for a low doc loan: what it must say What a low doc or alt doc accountant's letter (declaration) needs to include, who can sign it, and the mistakes that get it rejected by lenders. Read the guide
Low doc vs no doc vs alt doc: what's the difference? Low doc, no doc and alt doc home loans compared: what each means in Australia today, what documents you need, and which suits self-employed borrowers. Read the guide
Novated lease vs car loan: what’s right for you? Novated lease vs car loan compared: costs, tax, the EV FBT exemption and its April 2027 changes, plus what happens if you change jobs. Compare your options. Read the guide
Private sale car checklist: buy with confidence Use our private sale car checklist to buy safely: PPSR check, rego, inspection, scam red flags and paperwork, plus how a car loan pays the seller. Start here. Read the guide
Secured vs unsecured personal loans, made simple Secured vs unsecured personal loan: how each works, what can be used as security and which suits your plans. Read our plain-English guide, then enquire. Read the guide
Solar panel finance: how to pay without the big upfront hit Solar panel finance explained: loan, savings or a mix? See how the rebate steps down on 1 January 2027 and what lenders look at before you sign a quote. Read the guide
What is a non-conforming home loan? What a non-conforming home loan is in Australia, who it's for, how it differs from a standard, low doc or private loan, and what it costs. Plain English. Read the guide
Loan repayment calculatorWeekly, fortnightly or monthly repayments — with an optional balloon.Open the calculator

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