Insights & Resources
Articles, tips and guides on home loans, refinancing, first home buying and the Newcastle property market, from David at Rebus Finance.
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
Falling Values Are Quietly Fixing Rental Yields Around Lake Macquarie
For years the investor problem around the lake was simple: prices rose faster than rents, so yields kept shrinking. Four months of falling values has begun to reverse that, and mos
What Refinancing Actually Saves Hunter Borrowers (With Real Numbers)
Lenders quote their sharpest rates to new customers and leave existing borrowers on higher ones. After three rate rises this year that gap has widened. Here is what closing it is a
Four Months of Falling Values, Two More Rate Rises: What It Means Suburb by Suburb
Home values across Newcastle and Lake Macquarie have fallen for four consecutive months while the market prices in more rate rises. In ten local suburbs, the fall has already more
The RBA Has Warned of More Rate Rises. Here Is What It Actually Means for Your Mortgage
A month ago every major bank expected rates to stay on hold. After the RBA's deputy governor said inflation is “too high”, all four now expect a rise. Here is what it would cost yo
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