Bentleigh home loan Archives

How Much Can You Borrow on a $70k, $90k or $120k Salary in Australia?

One of the first questions every home buyer asks is, “How much can I borrow?” While your salary plays a major role, lenders consider much more than your annual income before approving a home loan.

vlad
August 27, 2026
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Common First Home Buyer Mistakes in Australia (And How to Avoid Them)

Buying your first home is exciting, but it’s also one of the most financially complex decisions you’ll ever make. Many Australians rush into the property market without fully understanding the process, which often leads to costly mistakes that can affect their finances for years.

vlad
August 20, 2026
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Home Loan Types Explained for First Home Buyers

Choosing the right home loan is just as important as choosing the right property. As a first home buyer, you’ll likely come across terms like fixed mortgage, variable mortgage, split loan, and offset account. While these products may sound similar, they work differently and can significantly affect your repayments, flexibility, and the total interest you pay over the life of your loan.

vlad
August 18, 2026
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Hidden Costs of Buying a Home in Victoria

When most people plan to buy a home, they focus on one major figure: the purchase price. However, the true cost of buying property in Victoria is significantly higher than the advertised price. Beyond your first home deposit, there are several additional expenses that can add tens of thousands of dollars to your total budget.

vlad
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How Australian Banks Calculate Borrowing Power

Knowing your borrowing power is one of the first and most important steps when buying a home in Australia. Before you start attending open inspections or making offers, it’s essential to understand how much a lender is likely to approve you for.

vlad
July 15, 2026
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How to Know You’re Ready to Buy Your First Home in Victoria, Australia

Buying your first home is one of the biggest financial and personal decisions you will ever make. For many Australians, especially those living in Victoria, homeownership represents financial security, independence, and a long-term investment.

vlad
July 10, 2026
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How Much Deposit Do You Need to Buy Your First Home in Australia?

Buying your first property is one of life’s biggest financial milestones. For many Australians, however, the biggest hurdle isn’t qualifying for a home loan it’s saving the deposit.