Insights & Resources
Articles, tips and guides on home loans, refinancing, first home buying and the Newcastle property market, from David at Rebus Finance.
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
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
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
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