Clear answers to your home loan questions
Straight-talking guides from Perth mortgage broker Richard Morris, for first home buyers, people refinancing and property investors. Each one is checked against official sources and dated.
- All guides
- Buying
- FIFO and Mining
- Investing
- Market Updates
- Refinancing
- SMSF
- Upgrading
Can You Get a Home Loan on a FIFO Contract or in a New Job?
Contract, casual, ABN or a new site? Here is what lenders commonly look at when your FIFO or mining work is not a permanent salary, and how to make it easier.
Buying Your First Home on a FIFO Roster: What to Know in WA
You work away and want to buy your first home. Here is how the 5% Deposit Scheme, price caps, moving in and showing roster income work for first home buyers in WA.
How Lenders Count FIFO and Mining Income: Base Pay, Allowances and Overtime
Lenders don’t all count FIFO and mining pay the same way. How base pay, overtime, allowances and bonuses are treated, and how to make your income count.
Buying in the Great Southern: What to Know About Albany and the Region
Albany and the Great Southern are growing. Here are the latest prices, what is changing, and what to check with your loan before you buy.
Buying in the Peel Region: What to Know About Mandurah and Surrounds
Mandurah and the Peel region are growing quickly. Here are the latest prices, what is changing, and what to check with your loan before you buy.
Using the Equity in Your Home to Buy Your Next One
You have built up equity and want to move on. Here are the main ways to use it to buy your next home, and what to check first, including bridging loans and LMI.
Perth Property Market: What the Latest Figures Mean If You Are Buying
Perth prices are well up on last year but have eased since April. Here are the latest REIWA and Cotality figures, and what they might mean if you are buying.
Can an SMSF Still Invest in Property? Your Options When You Cannot Borrow
New SMSF loans for residential property have stopped, but there are other ways a fund can invest in property. Here is a plain run-through.
What Is an LRBA? SMSF Property Loans Explained After the 10 August 2026 Changes
An SMSF property loan is called an LRBA. Here is what it is, what changed on 10 August 2026, and what has stayed the same.
Start with the WA First Home Buyer Playbook
A step-by-step guide to the costs, grants and steps for buying your first home in Perth.
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