Key Takeaways When it is time to arrange finance, accountants face the same first decision as everyone else: deal directly with a bank, or use a mortgage broker. With variable rates around the 6% mark and lenders assessing every application at the actual rate plus 3 percentage points, the choice has real consequences for what […]

With variable rates around the 6% mark and lenders assessing every application at the actual rate plus 3 percentage points, the cost of borrowing and the size of the deposit hurdle are front of mind for anyone buying property. Accountants sit in an unusually strong position here, because lenders treat the profession as low-risk and

Key Takeaways If you are an accountant researching your options, you will quickly run into bold claims about exclusive home loans built for your profession, complete with large savings figures. It is worth understanding what sits behind that messaging before you act on it, because with variable rates around the 6% mark and deposits harder

Key Takeaways Borrowing power is under pressure in 2026. After three rate cuts in 2025, the Reserve Bank of Australia (RBA) has lifted the cash rate three times this year, and at the time of writing it sits at 4.35%, with variable home loan rates around the 6% mark and lenders still required to assess

Refinancing in 2026 is a different question to the one borrowers were asking a year ago. After three rate cuts through 2025, the Reserve Bank of Australia (RBA) has lifted the cash rate three times this year, and at the time of writing it sits at 4.35%, back at its previous peak, with variable home

Buying your first home is a significant step, and while you handle numbers for a living, first home lending sits in its own specialist corner that even a financially literate buyer can find opaque. With property prices high, serviceability tight because lenders assess every loan at the actual rate plus 3 percentage points under Australian

Negative gearing has always turned on the loan, since the interest is usually the largest deductible cost of holding an investment property, and the May 2026 Federal Budget has now changed the rules in a way that makes the financing decision more consequential than it has been in years. As an accountant, you understand the

The weeks before 30 June are when the tax return gets your full attention, and as an accountant you need no help with the deductions side of an investment property. What is easy to leave on autopilot is the finance behind it: the loan structure, the timing of a refinance, and the way your borrowing