Resources
The PRF Blog
Plain-English guides, market insights, and lending tips from our team.
DHOAS, HPAS, and the First Home Guarantee: How ADF Members Can Stack These Benefits
Most ADF members know these schemes exist. Very few understand how they interact, which lenders actually support them, and how to combine them to dramatically reduce the cost of buying a home.
Can You Use Your Australian Home Equity to Invest Overseas? Here's How It Works
More Australian homeowners are asking whether they can tap their equity to buy property in Southeast Asia, the UK, or the US. The short answer is yes. The longer answer involves some important caveats.
The Mid-2026 Property Market: An Honest Read for Buyers
Rate rises, budget reforms, and tight supply have made 2026 a complex year for buyers. Here is a straight mid-year assessment of where the market stands and what it means for your strategy.
The Negative Gearing Clock Is Ticking: What Investors Need to Do Before July 2027
The 2026-27 budget set a firm deadline. From 1 July 2027, negative gearing on established properties changes significantly. Here's what that means and how to use the time remaining.
Your Borrowing Power Has Dropped: What to Do When the Numbers Don't Add Up
Three rate rises mean most buyers can borrow significantly less than they could 12 months ago. Here's how to understand what changed and what strategies can genuinely help.
Fixed or Variable in 2026? Here's How to Actually Decide
Three rate rises in and borrowers are asking whether to fix their rate. The honest answer is more nuanced than most advice you'll read. Here's how we think through it with clients.
The 2026-27 Federal Budget: What It Means for Your Home Loan
The federal budget delivered some genuine cost of living relief and significant property reforms. Here is what changed, what is coming, and how to position yourself to benefit.
Self-Employed Home Loans: What You Need to Know in 2026
Being self-employed doesn't have to mean missing out on a home loan. Here's exactly what lenders look for, what documents you need, and how to put yourself in the strongest position to get approved.
Offset Accounts vs Redraw: What's the Difference and Which One Should You Use?
Two of the most misunderstood features in home lending - offset accounts and redraw facilities can both save you money, but they work very differently. Here's what you need to know.
Building vs Buying in 2026: Which Makes More Financial Sense?
With construction costs still elevated and the property market staying competitive, the build vs buy decision is more complex than ever. Here's how to think through it financially before you commit.
How HECS Debt Affects Your Home Loan Borrowing Power
Millions of Australians carry a HECS-HELP debt into their home buying years. Most don't realise how significantly it affects what they can borrow - and what they can do about it.
What Rising Interest Rates Mean for Your Home Loan
Interest rate rises make headlines. But what do they actually mean for your mortgage, your repayments and your long-term financial position? Here is what you need to know.
How to Use Equity to Build Wealth Through Property
If you already own property, you may be sitting on one of the most powerful financial tools available to you - equity. Understanding how to access and use it correctly can be the difference between owning one property and building a portfolio.
Rentvesting in 2026 - Is It Right for You?
Owning a home while renting where you actually want to live sounds counterintuitive. But for a growing number of Australians, rentvesting is becoming one of the smartest ways to get into the property market without compromising on lifestyle.
5 Signs It's Time to Refinance Your Home Loan
Sticking with your original home loan could be costing you thousands. Here are five clear signs that it's time to review your mortgage - and what to do about it.
The Truth About Defence Home Loans: What Most Brokers Won't Tell You
ADF members face unique challenges when applying for home loans - and most brokers simply don't understand them. As veteran-owned brokers, here's what we see on the ground.
First Home Guarantee Explained: How to Buy With a 5% Deposit
The Australian Government's First Home Guarantee lets eligible buyers purchase a home with just a 5% deposit - without paying Lenders Mortgage Insurance. Here's everything you need to know.
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