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Property Ed - Knowledge base
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All Questions
10 questions
Settlement delays are almost always finance delays. The property side — title searches, conveyancing, document preparation — tends to run to schedule. It’s the loan side that gets complicated, and usually only when the finance work wasn’t done early enough....
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The same applicant — same income, same deposit — can be approved for $100,000 more or less, depending on which lender assesses the file. That gap is real, and most people don’t know it exists. The national average sits around...
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Most Australians who reach $100,000 in equity do the same thing: nothing. They note it with quiet satisfaction, maybe mention it at a dinner party, and then carry on with their mortgage as if the number isn’t sitting there. That’s...
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Here’s what surprises most first home buyers: the purchase itself is actually the fastest part. Once you’re actively searching with finance in place, the time from offer to keys is typically 10 to 14 weeks. The part that takes years...
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Every broker in Australia looks more or less the same from the outside. They’re licensed, they have access to a panel of lenders, and they don’t charge you directly. The difference only reveals itself when something gets complicated — when...
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Most people let the broker run the meeting. They nod through the lender comparison, sign where they’re asked to sign, and follow up when they don’t hear back. A few targeted questions asked early tell you almost everything you need...
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Most people walk into this question thinking the answer is about their salary. It partly is. But for many borrowers, the bigger variable isn’t how much they earn — it’s what their existing debts are quietly doing to their borrowing...
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The deposit for your next property is probably already sitting in your current one. Most homeowners with equity don’t realise how close they are to being able to act — because the calculation isn’t obvious until someone walks you through...
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Your parents don’t need to give you money. They don’t need to go on your mortgage. They just need to agree to let a specific portion of their existing equity do a job for two or three years — and...
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In October 2025, the maths changed for first-home buyers. A property worth $700,000 used to require $140,000 saved before you could even have a sensible conversation with a lender. Today, the same property may require $35,000. For most buyers, that’s...
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