Expert guides on home loans, refinancing, investment property, SMSF lending and the Sydney property market, written by John Pierre Saliba, MFAA accredited broker.
Last updated: July 2026 · Reviewed by John Pierre Saliba, Director and Mortgage Broker, MFAA Accredited
Full breakdown of what the Federal Budget means for borrowers, investors and the housing market.
Every scheme, grant and incentive for first home buyers after the 2026 Budget.
Negative gearing, CGT, depreciation and what changed (or didn't) for investors.
Complete guide with rate tables, exemptions, worked examples and off-the-plan concessions.
Where rates are heading, Big 4 forecasts, and what it means for your mortgage.
The complete guide, deposit, schemes, stamp duty and the purchase process.
First Home Guarantee, no LMI, 5% deposit, up to $900K in NSW.
$10,000 FHOG, who qualifies, what counts as a new home, how to apply.
What LMI is, how much it costs, and every legal way to avoid it.
How HECS reduces borrowing capacity and strategies to manage it.
Family guarantee, enter the market sooner, eliminate LMI entirely.
Triggers, timing, break costs and the free rate review process.
Step-by-step guide, from rate comparison through to settlement.
Calculate your saving and break-even on refinancing.
Roll credit cards and personal loans into your mortgage.
Access equity for renovations at home loan rates.
Specialist lenders for defaults, judgments and credit issues.
How it works, tax benefits, suburb examples and ATO requirements.
Gross yield, net yield, weekly cost, how to run the real numbers.
IO periods, rates, tax benefits and what happens at expiry.
Financing multiple investment properties, structure and lender limits.
Converting non-deductible debt to investment debt, the tax-smart strategy.
Cash vs equity, how to fund your investment property deposit.
Price trends, RBA outlook, top suburbs and what buyers need to know.
Cash rate history, repayment impact and what to expect next.
Honest comparison, when each makes sense in the current market.
50+ lenders vs 1, why the difference matters for your rate.
Offset vs redraw, split loans, P&I vs IO, structure matters.
Sydney-specific borrowing capacity guide with income examples.
Eastern Suburbs vs Lower North Shore, yields, growth and lifestyle compared.
Capital city showdown, affordability, yields and growth forecasts.
SEQ investment comparison, rental demand and lifestyle factors.
North Shore vs Western Sydney CBD, infrastructure and growth potential.
Beach suburb comparison, Shire vs Northern Beaches for investors.
Gold Coast beachfront investment comparison.
Brisbane inner-city investment comparison, lifestyle and returns.
Regional NSW investment comparison, commuter appeal and yields.
Newcastle suburb comparison for property investors.
Central Coast suburb comparison, beach premium vs CBD convenience.
Major banks vs specialist lenders, rates, features and flexibility compared.
Complete guide to purchasing property with just a 2% deposit.
Step-by-step process for 2% deposit home loan applications.
2% deposit options for owner occupier purchases.
Low deposit options for investment property purchases.
Income thresholds and serviceability for low deposit home loans.
Who qualifies for a 2% deposit home loan and key requirements.
Which property types qualify for low deposit lending.
Current interest rates for 2% deposit home loans compared.
Common questions about 2% deposit home loans answered.
Complete guide to home loans for self-employed borrowers in 2026.
Document checklist for self-employed home loan applications.
How much deposit self-employed borrowers need and savings strategies.
Alt doc and low doc options when tax returns are not available.
Refinancing options tailored to self-employed borrowers in Sydney.
Free consultation. 50+ lenders compared. Personal response from John.