Insights & Resources
Articles, tips and guides on home loans, refinancing, first home buying and the Newcastle property market, from David at Rebus Finance.
What Actually Increases Your Borrowing Power (It Is Not Skipping Dinner)
Every few months someone in the property industry tells first home buyers to stop going out for dinner. Here is why that advice is aimed at the smallest lever you have — and what a
What Inflation Actually Means for Newcastle Buyers, Owners and Investors
Australian wages rose 3.2 per cent last year while prices rose 3.5 per cent. Here is what that gap actually does to a deposit, a mortgage and an investment property in Newcastle an
Weekly, Fortnightly or Monthly Repayments: Which Actually Pays Your Mortgage Off Faster?
Paying fortnightly is widely said to shave years off a mortgage. It can — but only if you pay half your monthly repayment, not the fortnightly figure most calculators show you. Her
RBA Holds at 4.35%: What the September 2026 Decision Means for Newcastle Borrowers
The Reserve Bank left the cash rate at 4.35 per cent in August and meets again on 28-29 September. Here is what the data says, what the major bank economists are forecasting, and w
Using Home Equity for Renovations: A How-To Guide
Learn how to calculate usable home equity, compare renovation finance options, prepare your application and borrow confidently with expert guidance.
Mortgage Broker Benefits Fees and Lender Access Guide
Learn how Australian mortgage brokers compare lenders, earn commissions, charge possible fees and help you choose a suitable home loan with confidence.
How Debt Consolidation Can Simplify Your Finances
Learn how debt consolidation can combine multiple repayments, clarify costs and help you decide whether one organised loan may suit your finances.
From Payslip to Pre-Approval: Using the Pay and Income Tax Calculators Before You Apply
Lenders assess your gross income. You repay the loan out of what actually lands in your account. Understanding the gap between those two numbers is the difference between a loan th
Debt Consolidation Calculator: When Rolling Debts Into Your Mortgage Saves Money — and When It Quietly Costs You
Consolidating debts into your home loan can cut your monthly repayments substantially — and still cost you more overall. The difference comes down to one input most people leave on
How to Read a Loan Repayment Calculator (and What the Amortisation Schedule Is Really Telling You)
Most people enter a loan amount, glance at the repayment and close the tab. The genuinely useful information is further down — in the total interest figure and the amortisation sch
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