Insights & Resources
Articles, tips and guides on home loans, refinancing, first home buying and the Newcastle property market, from David at Rebus Finance.
Struggling With Your Mortgage After the Rate Rise? Where to Get Help in Newcastle, Lake Macquarie and the Hunter
If the rate rise has your budget stretched, you have more options than you might think, and more the earlier you ask. Your legal right to hardship help, what lenders can actually d
RBA Lifts the Cash Rate to 4.60%: What It Means for Newcastle, Lake Macquarie and Hunter Mortgages
The RBA has raised the cash rate to 4.60 per cent, its highest since 2011. Here is what it costs a typical Newcastle, Lake Macquarie and Hunter mortgage, what it does to borrowing
Lenders Mortgage Insurance (LMI) Explained: A Newcastle First Home Buyer’s Guide
LMI is the cost most first home buyers only hear about once the loan is being assessed. Here is what it is, who it protects, roughly what it costs, and four practical ways to avoid
First Home Super Saver Scheme (FHSS) 2026: How It Works and How to Time It With Your Home Loan
You can save part of your first home deposit inside super and pay less tax on it. The catch is timing the release around your home loan. Here's how the FHSS works, what it's worth,
The Hunter Downturn Isn’t Where First Home Buyers Are Shopping. Something Better Is.
Everyone is telling first home buyers to wait for the downturn to reach them. The falls have been concentrated in the expensive suburbs. But something else changed that matters far
Deposit, Guarantor or Government Scheme? Which Route Fits You
There are three realistic ways into a first home around here, and the one most people default to is often the slowest. A straight comparison of what each actually costs.
How Long Does a Guarantor Stay on a Home Loan?
Parents almost always ask this second, right after what it could cost them. The answer is a number you can work out — and three things that move it.
Who Can Actually Be a Guarantor on a Home Loan?
Most people assume any relative with a house can go guarantor. Lenders are narrower than that, and the equity test is stricter than most families expect. Here is who qualifies and
Newcastle and Lake Macquarie Get a $1.5 Million Cap Most of Regional NSW Doesn’t
The Australian Government 5% Deposit Scheme sets a property price cap by location. Most of regional New South Wales gets $800,000. Newcastle and Lake Macquarie get $1,500,000 — and
The $800,000 Line: Why a Falling Market Just Became a First Home Buyer’s Best Friend
New South Wales gives first home buyers a full stamp duty exemption up to $800,000. Local values have fallen four months straight, which means properties are crossing back under th
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