Guides

Plain-English Property Finance Guides

Everything we explain in consultations, written down. Current for 2026, no jargon, no fluff.

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The 5% deposit scheme with no income caps, $0 stamp duty up to $800k, the $10,000 grant, and how to stack every scheme on one purchase.

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After three rate rises this year, the loyalty tax is at its widest. When switching pays, what it costs, and when staying put is the right call.

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Using equity as your deposit, interest-only decisions, and the structuring traps — like cross-collateralisation — that block portfolios.

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