Mortgage Run Blog

20th August 2026

Common Mistakes with Negative Gearing in Craigieburn

How recent tax changes affect Craigieburn investors and what you need to know before buying your next rental property.

17th August 2026

Beginner's guide to fixed rate investment loans

Understanding how fixed rates and extra repayments work together on an investment property loan, and what that means for your borrowing in Tarneit.

20th July 2026

Top Strategies to Lock Fixed Rates for Investment Loans

How Werribee property investors can use fixed rate investment loans to protect cashflow and plan for new tax rules coming in 2027.

16th June 2026

Unlock the secrets to fixed rate investment loans

Understanding how fixed rate locks, extra repayment restrictions, and loan structure affect your property investment strategy and cash flow management.

17th August 2026

Everything you need to know about construction loans

Building your own home in Werribee takes more than council approval and a registered builder - it also requires funding that releases in stages as the work progresses.

17th August 2026

Avoid These 5 Mistakes When Financing Your Investment Build

Construction finance for investment properties works differently to owner-occupied builds, and missing these details can cost you tens of thousands in Point Cook.

30th June 2026

Top Strategies to Fund a Renovation Project in Werribee

How construction loans work when you're buying a property that needs work, and what Werribee buyers should consider before committing to a fixer-upper.

16th June 2026

Top tips to secure finance for land purchase & construction

What to know before buying land and building your custom home, from progressive drawdowns to council approvals and lender requirements.

9th June 2026

Top Strategies to Understand Construction Loan Features

How progressive drawdowns, interest calculations, and contract requirements work when you're financing a new build across Australia

4th August 2026

Proven Tips to Choose Variable Rate Home Loans

How variable rate loan terms work and what Truganina buyers should consider when choosing flexible repayment options for their property.

4th August 2026

Proven Tips to Avoid or Reduce Lenders Mortgage Insurance

Understand how LMI works, when you'll pay it, and the strategies that can help you save thousands on your home loan application.

20th July 2026

Common Mistakes with Home Loan Repayment Strategies

How structuring your repayments correctly from the start can build equity faster and save you thousands over the life of your loan

15th July 2026

Why Should You Consider a 10% Deposit Home Loan in Werribee

A smaller deposit can help you secure a home in Werribee sooner, but understanding LMI, loan features, and your options makes all the difference.

15th July 2026

What are Fixed Rate Home Loan Terms and How They Work

Understanding fixed rate loan terms helps you lock in certainty during your repayment period and protect your budget from rate movements.

15th July 2026

Simple hacks to improve loan approval by location

Where you buy determines which lenders say yes, how much deposit you need, and what rates you qualify for.

24th June 2026

Beginner's Guide to Variable Rate Loans & Offset Accounts

How variable rate home loans work with offset accounts, what you actually save, and whether this combination suits your situation.

18th June 2026

The easiest way to understand property ownership

How the type of ownership you choose affects your home loan application, borrowing capacity, and what happens down the track

16th June 2026

Fixed Rate Loans & When to Lock In at Every Life Stage

From your first purchase to pre-retirement, choosing a fixed interest rate home loan depends on where you are and what comes next.

16th June 2026

The easiest way to understand variable rate loan fees

Variable rate home loans come with different fees and costs that can add thousands to your borrowing. Understanding what you're actually paying helps you choose the right loan.

16th June 2026

Top Strategies to Buy a Home in a Better School Zone

Making the move to a quality school catchment is achievable with the right loan structure and borrowing approach for your situation.

9th June 2026

The Pros and Cons of Fixed vs Variable Home Loans

Understanding the trade-offs between rate certainty and flexibility can help you choose a home loan structure that aligns with your financial situation and plans.

9th June 2026

Top tips to secure a home loan for a duplex purchase

Understand how lenders assess dual-occupancy properties and what you need to structure your finance for a duplex that works long-term.

4th August 2026

Top tips to plan your home buying timeline in Truganina

A clear timeline helps you move from thinking about buying to holding the keys, with less uncertainty and fewer delays along the way.

15th July 2026

Do You Know How to Buy a Three Bedroom Home in Tarneit?

A clear guide for first home buyers in Tarneit looking to purchase a three bedroom property with the right deposit, loan structure, and government support.

16th June 2026

How to Buy Your First Apartment with Confidence

A plain-English guide to apartment purchases for first home buyers, from deposit size and lender requirements to body corporate and loan approval.

16th June 2026

Smart Ways to Approach Fixed Rate Loans as a First Home Buyer

How to use fixed rate features to protect your repayments while keeping your options open as a first home buyer.

3rd July 2026

Top tips to use your home equity for a second property

How Point Cook homeowners can refinance to unlock equity and turn one property into two without selling first.

24th June 2026

Refinancing: The Costs and Savings to Consider

How switching your home loan in Truganina can reduce what you're paying each month, and what to watch for along the way.

9th June 2026

10 Steps in the Refinance Process & What to Expect

A practical walkthrough of what happens from application to settlement when you refinance, including timeframes, valuation requirements, and documentation.

24th June 2026

The Easiest Way to Buy a Storage Facility with SMSF

How Point Cook residents can use a self-managed super fund loan to purchase commercial storage property for retirement income

9th June 2026

Car Loan Repayments: What Not to Overlook

Your repayment structure affects what you pay monthly and over the life of your loan, not just how quickly you clear the debt.

16th June 2026

10 Ways First Home Buyers Can Purchase a Semi-Detached

A plain-English guide to deposit options, government schemes, and loan structures that help first home buyers afford a semi-detached property.

16th June 2026

Unlock the secrets to electric vehicle financing

From green car incentives to loan structures that work with battery tech, here's what changes when you finance an electric vehicle in Australia.

16th June 2026

16th June 2026

Everything You Need to Know About Investment Loan Features

From offset accounts to interest-only periods, understanding which loan features suit your property strategy helps you keep more rental income and build wealth faster.

22nd May 2026

What Are the Steps to Build a Property Portfolio

A practical guide to growing your investment property portfolio with the right loan structure, equity use, and borrowing strategy to support long-term wealth.

19th May 2026

How Long Does Home Loan Approval Take

Understanding the timeline from application to settlement helps you plan your property purchase with confidence and avoid delays.

18th May 2026

What Support Is Available for First Home Buyers?

From government schemes that reduce your deposit to concessions that save thousands, here's what you can actually access when buying your first home.

18th May 2026

Benefits of Home Ownership for First Home Buyers

From building equity to choosing how you live, owning your first home brings tangible financial and lifestyle benefits worth understanding before you apply.

18th May 2026

Refinance to Lower Your Interest Rate & Save

If your interest rate feels too high, refinancing could put thousands back in your pocket each year without changing how you live.

13th May 2026

The simplest way to switch from variable to fixed rate

If your home loan is on a variable rate and you're looking for certainty, refinancing to a fixed rate could lock in your repayments and protect you from future rate movements.

13th May 2026

First Home Buyers: Everything About Studio Apartments

Studio apartments can be your entry into the property market, but the lending approach is different from larger properties.

13th May 2026

Property Research Before Applying for a Home Loan

Knowing what you can borrow matters less than knowing which property fits your borrowing capacity and how lenders assess it.

13th May 2026

Variable Rate Home Loan Features That Matter

Understanding the features that make variable rate home loans flexible and how to use them to your advantage

13th May 2026

Fixed Rate Investment Loans: How to Lock In Certainty

Understanding the specific features of fixed rate investment loans and how they can protect your cash flow while building wealth through property.

13th May 2026

How to Purchase a Holiday Home with the Right Loan

Understanding your borrowing options and planning your purchase when you're buying a second property for getaways, rental income, or both.

13th May 2026

Home Loans and Tax: What Property Owners Should Know

Understanding how tax deductions, offset accounts, and loan structures affect your property investment and owner-occupied borrowing decisions.

1st May 2026

Investment Loans for Rental Property: What to Know

How property investment loans work when you're buying a rental property for passive income, from deposits to tax benefits.

1st May 2026

Villa Home Loans: What You Need to Apply and Secure Finance

Purchasing a villa involves different lending criteria and loan structures than buying a traditional house, and understanding these differences helps you prepare effectively.

1st May 2026

Fixed Rate Home Loan Terms: What to Lock In and Why

Understanding how fixed loan terms work and which term length matches your financial position can help you avoid costly mistakes.

1st May 2026

Construction Loan Documentation: What You'll Actually Need

Understanding the paperwork behind construction finance makes the application smoother and helps you prepare for what lenders actually want to see.

1st May 2026

Fixed Rate Home Loan Fees: What First Home Buyers Pay

Understanding the upfront and ongoing costs attached to fixed rate loans helps you budget accurately when buying your first home.

1st May 2026

Construction Loans for Extensions: What to Know

How construction finance works when you're adding to your existing home, what lenders look for, and how progressive drawdowns protect your project.

1st May 2026

Can You Buy a Home in a School Zone with Your Loan?

Purchasing property in sought-after school catchments requires planning your finance differently, from deposit size to how you structure your loan.

17th April 2026

How Does Construction Loan Funding Actually Work?

Understanding progressive drawdown, payment schedules, and what happens between land purchase and your finished home

17th April 2026

Stamp Duty Concessions and Home Loans in Craigieburn

How stamp duty relief for Craigieburn buyers affects your deposit planning, loan structure, and the home loan application process.

17th April 2026

Housing affordability in Tarneit and how to enter

Understanding loan structures, deposit strategies, and property selection helps Tarneit buyers achieve home ownership despite rising prices.

16th April 2026

How to Optimise Your Home Loan Repayment Strategy

Discover effective repayment strategies to build equity faster, reduce interest costs, and achieve home ownership goals in Tarneit.

16th April 2026

What Are Strata Title Properties and How to Finance Them?

Discover how to secure a home loan for your strata title property purchase and understand the unique considerations for Craigieburn buyers.

16th April 2026

Investment Loan Approval: What Werribee Buyers Need

Understanding how lenders assess investor applications helps Werribee property buyers position themselves for approval with the loan amount they need.

16th April 2026

Why Should Economic Factors Influence Your Home Loan?

Understanding how economic conditions in Australia affect your home loan decisions and what Truganina residents need to consider.

16th April 2026

Your Guide to Purchasing a Townhouse with a Home Loan

Everything Point Cook residents need to know about home loan options, rates, and features when buying a townhouse

14th May 2025

Fact or fiction: do property values double every 10 years?

It’s a common belief that real estate values double every decade. But is this true? New research reveals how much home values have increased over the past ten years.

7th May 2025

Albo re-elected: what’s on the board for home buyers and owners?

The votes have been cast and it’s clear Labor will hold the reins of federal government for another 3-year term. We look at what this may mean for first home buyers and current home owners.

30th April 2025

Myth buster: do weekly repayments pay off an offset loan faster?

There’s a common misconception around offset account home loans that making loan repayments more frequently helps to pay off the balance much sooner. We bust that myth and reveal the real secret to harnessing the power of your offset account.

23rd April 2025

Could US tariffs be good news for Aussie home owners?

Tariff-triggered cuts to interest rates could be just around the corner, with Australian borrowers the likely winners if they come to fruition.

16th April 2025

Election 2025: what’s on offer for first home buyers?

Australians will head to the polls on May 3, and with housing affordability shaping up as a key election issue, we unpack how the two major parties are pledging to help first home buyers.

9th April 2025

Home owners notch up gains of $230,000 in just 5 years

Did you know that the average home owner saw their property’s value rise $46,000 per year over the past five years? Today we’ll look at ways you could put that recent increase in equity to further use.

2nd April 2025

Why 1-in-2 families are thinking of refinancing

The RBA may have swiped left on an April rate cut, but plenty of home owners are taking matters into their own hands by refinancing to save on interest with a lower rate.

26th March 2025

Sounds of silence: how traffic noise can impact property values

‘Close to public transport’ is often touted as a plus for home buyers. But new research shows just how much close proximity to a busy road, railway or flight path can impact property values.

19th March 2025

5 fun (and budget-friendly) ideas for an Easter staycation

This Easter offers more than chocolate eggs and hot cross buns. It brings a rare mega-holiday, and if your budget doesn’t stretch to a trip away, check out our tips to enjoy a memorable getaway – at home.

12th March 2025

Low cost renos to help keep your home cosy this autumn

It’s been a long, hot summer, but the seasons are shifting and it’s time to prepare for the cooler months ahead. A few simple improvements could help keep your home snug without overheating your power bills.

5th March 2025

Was that the shortest property downturn ever?

The so-called market ‘downturn’ we saw over the last few months was a blink-and-you-miss-it affair. Home prices are once again on the up. We unpack what’s happening – and why now could be a good time to buy.

26th February 2025

Major change coming to mortgage rules for university grads

Good news for the three million Australians who have a student debt. New rules are on the cards that could soon increase their borrowing power when applying for a home loan.

18th February 2025

RBA cuts the cash rate for the first time since 2020

Finally, a long-awaited reprieve for borrowers. The Reserve Bank of Australia has today cut the cash rate by 25 basis points to 4.10%. How much could this rate cut decrease your monthly mortgage repayments? And can we expect more cuts this year?

11th February 2025

The scheme that’s helped 193,000 Aussies buy a first home

If you’re in the market for a first home, there’s one scheme you should know about. It’s called the Home Guarantee Scheme, and it could slash the time it takes to buy a place of your own by several years. Here’s how it works.

5th February 2025

What happens to my home loan if interest rates fall?

Great news for home owners – plenty of economists are tipping an RBA rate cut for February. Assuming it happens, once the celebrations have died down, what next? We explain what to expect when rates head south.

29th January 2025

The top 5 location turn-offs for Aussie home buyers

Ever spotted a bargain property and then thought to yourself: ‘What’s the catch?’ Well, more often than not there’s a good reason behind a lower-than-expected price tag. And while an undesirable location might not be a deal breaker for you, it could make

22nd January 2025

How to finance your 2025 home renovation

Bathroom blitz? Kitchen kit out? Or perhaps some landscaping love might be on your house upgrade wishlist for 2025? If so, it’s worth knowing what reno finance options are available. Today we’ll explain some ways to fund your home improvement project.

15th January 2025

Decisions decisions… Fixed-rate vs variable home loan rate

Amid growing expectations of rate cuts in 2025, sticking with a variable home loan rate can seem like a no-brainer. But not so fast. Locking in your home loan rate can also have upsides, including the potential for a lower rate right now.

8th January 2025

House, apartment or townhouse? The pros and cons of each

There’s much more to property in Australia than just houses or units. And if you’re in the market for a home or investment property, it helps to know your townhouses from terrace homes so that you can choose a place that’s suited to your goals and needs.

1st January 2025

Three financial New Year’s resolutions to tackle 2025 head-on

How are your New Year’s resolutions coming along? If you’re like most people, they’re likely related to health, fitness or abstinence. But why not consider a financial one too? Here are three resolutions worth considering for 2025.

20th December 2024

Merry Christmas! And thanks for your support in 2024!

With the holiday season upon us, we’d like to express our heartfelt thanks to all our amazing clients for your trust and support throughout 2024.

18th December 2024

Have you refinanced recently? It could be time this summer break

If you haven’t looked into refinancing since the start of higher interest rates, it might be time to ask yourself ‘why not?’ New research shows it could be time to try again – especially if you want to start 2025 off on the right foot.

11th December 2024

How did property prices go in 2024? And what’s tipped for 2025?

As we head towards the end of 2024, let’s take a look at how property markets performed over the last year – and discover what the experts say may lie in store for home prices in 2025.

4th December 2024

Thinking of buying a holiday home? Here’s what to weigh up

The coming weeks will see millions of Aussies enjoy a well-earned getaway, and for some, a memorable holiday will inspire plans to buy a holiday home. But is it a good idea? And can a weekender still stack up financially? We explain what to consider plus

26th November 2024

Thinking of installing a swimming pool for summer?

There are few better ways to beat the summer heat than floating in your very own pool. With a range of price points to choose from, a pool can be affordable, but will it add value to your property? And how will you pay for your backyard oasis?

20th November 2024

Buying land to build on later: what you need to know

You’ve seen the perfect piece of land but you’re not quite ready to build. No problem – a land loan can be a handy finance solution. However, it can work a bit differently from a regular home loan. Here’s what you need to know.

13th November 2024

Do you really need a building inspection?

Your home is possibly the most valuable asset you will ever own. So it’s worth taking precautions to help ensure you buy a place that has a clean bill of health, free from budget-busting hidden nasties.

6th November 2024

Can we expect the RBA to cut back rates this summer?

With just one RBA rate decision left for 2024, homeowners may be holding onto hopes of a summer cut. We look at when rates may start falling – and how you could possibly give yourself a rate cut before Christmas.