Insights & Resources
Articles, tips and guides on home loans, refinancing, first home buying and the Newcastle property market, from David at Rebus Finance.
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
RBA Holds at 4.35%: What the September 2026 Decision Means for Newcastle Borrowers
The Reserve Bank left the cash rate at 4.35 per cent in August and meets again on 28-29 September. Here is what the data says, what the major bank economists are forecasting, and w
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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