Pre-approval lasts three to six months and doesn't commit anyone to anything. At auction, where there's no cooling-off period, that gap between conditional and unconditional is where deposits get lost. What pre-approval actually covers.
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Lenders mortgage insurance protects the lender, not you — and it's usually added to your loan so you pay interest on it for thirty years. Here's how LMI, a family guarantee and simply waiting compare, and how to choose between them.
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A 0.65% rate saving on a $600,000 loan is about $243 a month — and pays back switching costs in under four months. The trap isn't the cost; it's the 30-year term reset that can add $139,000 of interest. Plus why the buffer traps some borrowers.
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Income caps are gone and places are uncapped on the 5% Deposit Scheme. Help to Buy is open for 40,000 households. Here's what each measure does, what it doesn't do, and why the serviceability buffer is now the real gate.
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Lenders assess you at three percentage points above the rate you'll actually pay, and from 1 February 2026 only 20% of a bank's new lending can sit at six times income or more. Here's how those two rules set your number — and why the answer differs by lender.
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