About Home Loans Australia
Home Loans Australia is an independent personal-finance blog focused on Australian borrowers. We publish plain-English guides on home loans, refinancing, investment property, interest-rate cycles and the Australian property market.
Our mission
To help Australians make better borrowing and refinancing decisions with clear, jargon-free analysis grounded in current Australian rules and rates. We translate complex topics — LMI, serviceability buffers, capital-gains tax, negative gearing — into practical guidance so readers can ask the right questions of lenders, brokers, conveyancers and accountants.
What we cover
- Home loans — first-home buyers, owner-occupier mortgages, loan-to-value ratio (LVR), comparison rates.
- Refinancing — when to refinance, cash-out, top-ups, fixed-rate cliff strategies.
- Investment property — negative gearing, depreciation, SMSF property, equity recycling.
- Interest rates — RBA cash-rate analysis, fixed vs variable, APRA serviceability buffers.
- Australian property market — capital-city outlooks, regional trends, strata, conveyancing.
- First-home schemes — First Home Super Saver Scheme (FHSSS), Family Home Guarantee, state grants.
Who writes
Articles are written and edited by Fellipe Correia, founding editor. Every article is reviewed before publication. Read more about our editorial process on the Editorial Standards page.
Sources we rely on
Our analysis is based on official Australian regulators and government publications, including:
- Reserve Bank of Australia (RBA) — cash-rate decisions, Statement on Monetary Policy.
- APRA — lending standards, serviceability buffer, prudential guidance.
- ASIC — MoneySmart guides, consumer-credit regulation.
- Australian Taxation Office (ATO) — capital-gains tax, negative gearing, depreciation, SMSF rules.
- Australian Bureau of Statistics (ABS) — CPI, wage growth, property price indexes.
- State revenue offices — land tax thresholds, stamp duty, first-home buyer grants.
- CoreLogic, Domain, REA — property-market data and indices.
Editorial independence
We do not accept payment for positive coverage. When an article contains affiliate links to lenders, brokers or comparison services, we say so clearly at the top of the page. See our Editorial Standards and Disclaimer.
Contact
Suggestions, corrections, partnerships or press: contact@homeloansaustralia.blog or via the Contact page.