Home Loans

Our guides, tips and articles will help you navigate Australia’s housing market with confidence.

Figure out what you can actually afford.

The basics

LVR: Understanding Your Loan-to-Value Ratio

A loan-to-value ratio (LVR) compares your home loan amount with the value of the property. Mortgage insurance is required with a high LVV.

Home equity is the market value of your house minus what you owe on your mortgage. Leverage equity for loans by tapping into a portion of it.

A reverse mortgage allows seniors to release the value of their home without having to sell it by trading home equity for cash.

Help for first-time home buyers

Saving up a house deposit on your home loan means achieving the first major milestone of your home-ownership quest.

Start by figuring out what amount your bank will lend you and, more importantly, what you can afford to borrow.

Home loan pre-approval is a statement from a lender agreeing to lend you a set amount to purchase a property.

A house deposit, or a home loan deposit, is your initial contribution to the total purchase price of a property — typically 5%-20%.