Insights & Resources
Articles, tips and guides on home loans, refinancing, first home buying and the Newcastle property market, from David at Rebus Finance.
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
NSW First Home Buyers: Stamp Duty Savings and the 5% Deposit Scheme in 2026
Two government measures can save NSW first home buyers tens of thousands. Here is how the stamp duty exemption and the 5% Deposit Scheme work in 2026 — including the $1.5 million c
How Much Can I Borrow? What Lenders Actually Assess in 2026
Borrowing power is not a simple multiple of your income. Here is what lenders actually assess in 2026 — including the 3 per cent buffer that reduces what you can borrow — and the l
Fixed or Variable in 2026? How to Decide Without Guessing the RBA
With the cash rate at 4.35 per cent and economists split on the next move, the fixed-versus-variable question is back. The right answer depends on your circumstances, not on a fore
Newcastle Property Market Update: What Buyers Need to Know
Newcastle has firmly established itself as one of the most sought-after property markets in New South Wales. With its stunning...
5 Signs It Might Be Time to Refinance Your Home Loan
If you took out your home loan more than a year or two ago, there is a good chance you...
First Home Buyer Guide: Everything You Need to Know in 2026
Buying your first home is one of the most exciting — and sometimes overwhelming — milestones you will ever reach....
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