Insights & Resources
Articles, tips and guides on home loans, refinancing, first home buying and the Newcastle property market, from David at Rebus Finance.
Australian Inflation Hits 4.3%: What It Means for Your Mortgage
Inflation rose to 4.3 per cent over the year to September 2026 and the RBA's preferred measure rose 1.0 per cent for the quarter. Where prices are rising fastest, and the less obvi
Low Doc Home Loans: How They Work for the Self-Employed
Low doc home loans let self-employed borrowers prove income with BAS, bank statements or an accountant's letter instead of tax returns. What lenders ask for, what it costs, and how
How to Save for a House Deposit: Cuts That Help Your Loan
The cost cuts that grow your deposit fastest, from electricity and subscriptions to insurance and takeaway, and why the same changes can make your home loan application stronger.
Single Parent Home Loans: What Lenders Count (and the 2% Deposit Option)
Single parents can buy with a 2% deposit and no LMI under the government scheme. The harder part is income: here's how lenders treat child support, Family Tax Benefit and Centrelin
RBA November 2026: Will Rates Rise Again, and What It Means for Newcastle
Inflation rose to 4.3 per cent in September and the RBA's preferred measure rose 1.0 per cent for the quarter. Markets now put a Cup Day rate rise at about 85 per cent and three of
Does Afterpay Affect Your Credit Score? What It Means for a Home Loan
Afterpay now runs a credit check when you sign up, but it doesn't report your repayments to the credit bureaus. Here's what a home loan lender can actually see, and how to tidy up
Big Banks vs Non-Bank Lenders: What’s the Difference?
Non-bank lenders in Australia are regulated differently to the big banks. Who supervises each, how they are funded, why the APRA buffer and DTI limits do not apply directly, and ho
Your First Investment Property Loan in Newcastle: A Step-by-Step Guide
How lenders assess your first investment property loan, from rent shading and the 3 per cent buffer to using equity, interest-only repayments and debt-to-income limits, with a full
Bad Credit Home Loans: Getting Approved With Defaults or Missed Repayments
Can you get a home loan with a default, missed repayments or a past hardship arrangement? What lenders actually see on your credit report, how banks and specialist lenders differ,
Self-Employed Home Loans: How Lenders Assess Sole Trader, Company and Trust Income
Two lenders can read the same tax returns and arrive at very different incomes. How lenders assess sole trader, company and trust income, the add-backs that lift it, and full doc v
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