The home loan library.
50 plain-English guides to borrowing, buying, refinancing and investing. The same explanations Nathan gives clients on the phone, written down. No jargon, no sales pitch.
Buying a home
What lenders assess, why every bank differs, and how to add six figures to your capacity.
20% is the benchmark, but many buyers get in with 5% and no LMI.
The working behind the most Googled property question, for any price point.
The Home Guarantee Scheme, FHOG, duty exemptions and the FHSSS, and how to stack them.
The errors that cost the most, with the fix for every one.
What it gives you, what it does not, and the mistakes that sink it.
The full checklist for employees, plus the tips that speed up approval.
Stamp duty, LMI, legals, inspections: the full list, with numbers.
From 24 hours to six weeks, and what decides which you get.
Unconditional means unconditional. The auction-ready checklist.
Little or no deposit, no LMI, and how to protect the guarantor.
Tenants in common, joint liability, and the agreement to sign first.
Sell first or buy first, and the three structures upgraders use.
Peak debt, end debt, and the risks to price in before you bridge.
Why approval now does not mean approval at settlement.
Deposits, rates and the land-now-build-later strategy.
The five payment stages, interest during the build, and the traps.
Loan structure & rates
What each really buys you, the split option, and the questions that decide it.
The revert-rate trap and your four options, starting three months out.
What the cash rate is, what a move costs you, and what to do each announcement.
What it includes, and why it misleads on larger loans.
The single number that most shapes what your loan costs.
Access, tax treatment and fees, and which saves more for you.
A strategy for investors, an expensive drift for everyone else.
Nine tactics that stack up to a decade off your loan.
What LMI costs, who it protects, and six legitimate ways around it.
Refinancing & equity
The loyalty tax, true switching costs, and the break-even test.
The repricing playbook banks hope you never learn.
Equity vs usable equity, and what your home can fund.
How much you can access, what lenders fund, and keeping tax lines clean.
Two different questions, a 5 to 10% spread, and how to shop it.
Swap 20% interest for 6%, without the 30-year term trap.
Investing
Usable equity, clean structure, and the servicing test that decides it.
Why the maths can work, and the trade-offs to price in.
A worked example, and when losing money efficiently makes sense.
The serviceability ceiling, and how investors who scale get past it.
How limited recourse borrowing works, the rules, and who it suits.
Professionals & LMI waivers
95% no LMI, loadings counted in full, training pathway understood.
Who qualifies, what it is worth, and how legal pay should be assessed.
The waiver, the thresholds, and bonus treatment that wins or loses files.
ubank and others waive LMI for everyone, owner-occupiers and investors.
Self-employed & credit
Full-doc, one-year policy, add-backs and the alt-doc fallback.
The three verification methods and how they differ in practice.
Different rules, bigger approvals, and the trade-offs stated honestly.
Yes. The paperwork strategy that decides the outcome.
How much it costs you, and when paying it off first makes sense.
What moves it, what lenders want, and the 90-day repair plan.
Keeping the house or starting again: the order of operations.
A better test than the 30% rule, and what to do if you are stretched.
What brokers do, how they are paid, and the legal duty banks do not have.
Calculators guess. Nathan checks.
A free 30-minute call gets you the numbers lenders will actually approve, across 50+ of them.