Australia’s Ultimate Home Loan FAQ: Expert Answers to Every Mortgage Question​

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Navigating the Australian mortgage market can be confusing — lenders all use different rules, borrowing power calculators rarely match reality, and approval times can vary wildly between banks. This Knowledge Hub brings together clear, expert answers to Australia’s most common home loan questions, including borrowing power, income rules, interest rates, LMI, refinancing, loan types, and more. Each guide is written specifically for the Australian market and updated for 2025 lending policies, helping you understand how banks assess you and how to maximise your chances of approval. Whether you're a first-home buyer, refinancing, or investing, these step-by-step resources show you exactly how home loans work in Australia — without the jargon.

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Borrowing Power & Income Questions

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• Why Is My Borrowing Power So Low in Australia?

• Increase My Borrowing Capacity

• Do Banks Use Overtime Income When Calculating Borrowing Power?

• Do Banks Accept Bonus Income?

• Can I Get a Home Loan on Casual Employment?

• What Debts Affect Borrowing Power?

• How Do Banks Calculate Living Expenses (HEM)?

• Why Did My Home Loan Pre-Approval Change or Get Declined?

• Which Australian Bank gives the highest borrowing power?

• How Much Can I Borrow on My Income in Australia?

• Why Was My Home Loan Application Declined

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Home Loan Types & Structures & Choosing a Loan

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• Offset Account vs Redraw Facility — What’s Better?

• Bridging Loans in Australia — How They Work, Costs, Risks & Approval Rules

• How to Choose the Best Home Loan for You

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Refinancing & Rate Questions

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• Best Refinancing Deals In 2025

• What Impacts Your Interest Rate?

• Compare Mortgage Rates in Melbourne

• Approving a Home Loan In Australia?

• Refinance Home Loans

• Sydney – Refinance Home Loan

• Melbourne – Refinance Home Loan

• Best Home Loan Rates in Sydney 2025

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LMI, LVR & Deposit Questions

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• What Is LVR and Why Does It Matter?

• How Does Lenders Mortgage Insurance (LMI) Work?

• 10 Low-Deposit Loan Options in Australia​

• LMI policy comparison

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First-Home Buyer Guides

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• Brisbane First-Home Buyer Guide

• NSW First-Home Buyer Help

• First Home Buyer Loans

• First Home Buyer Loans Sydney

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Bank & Lender Comparison Pages

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• Compare the Big 4 Banks: CBA, ANZ, Westpac, NAB

• Which Lender Offers the Best Rates in Australia?

• Best Loans for Self-Employed Borrowers

• Which Lenders Offer the Fastest Approval Times in Australia?

• How Long Does Home Loan Pre-Approval Take in Australia?

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Home Loan Comparison Australia Wide:

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• Home Loan Comparison (Australia)

• Owner Occupied Home Loans

• Investment Home Loans (Australia)

• Home Loan comparison Melbourne

• Home Loan Comparison Sydney

• Home Loan Comparison Brisbane

• Home Loan Comparison Perth

• Home Loan Comparison Adelaide

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Investment Property Loans

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• Sydney – Investment Property Home Loans

• Melbourne – Investment Property Home Loans

• Investment Property Home Loans

• Best Investment Home Loans

• Home Loan Investment Bank

• Perth Investors: Best Loans for WA Property Markets

• Investment Property Interest Rates Australia

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Construction / Renovation Loans

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• Sydney – Construction & Renovation Loans

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Self-Employed & SMSF Borrowers

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• Sydney – Self-Employed Home Loans

• Sydney – SMSF Property Loans

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Other Mortgage Knowledge Articles

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• Hidden Costs of Buying a Home

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