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
Your Second Loan: Offset Accounts, Splits and How to Structure It
Offset accounts, split loans and keeping your debts separate. How to set up your investment loan sensibly from the start.
Why Serviceability, Not Your Deposit, Is What Holds Most Investors Back
Lenders test your loan at 3% above the real rate. Learn why serviceability stalls investors, and what you can do about it.
How Much Equity Can You Actually Use? A Simple Guide
Equity is what your home is worth minus your loan. Usable equity is lower. Here is how to work out your number.
SMSF Property Loans: Can You Still Refinance After the 10 August 2026 Changes?
New SMSF loans for residential property are restricted from 10 August 2026. Existing loans and refinancing are not. Here is what that means.
Refinancing: What It Costs and How to Work Out If It Pays Off
Refinancing has costs. Learn what they are, how to work out your break-even point, and three traps to watch for.
7 Signs It Might Be Time to Refinance (and 3 Times to Wait)
Not sure if your home loan is still a good deal? Seven signs it could be worth refinancing, and three times to hold off.
What Do Lenders Actually Check? How Borrowing Power Works in 2026
Lenders test your loan at 3% above the real rate. Here is what they check, why it limits your borrowing power, and how to improve it.
How Much Deposit Do You Really Need? The 5% Deposit Scheme and Keystart Explained
Buy a Perth home with a 5% deposit and no LMI? See how the 5% Deposit Scheme and Keystart work, and which may suit you.
Buying Your First Home With a Friend or Sibling: What to Know Before You Sign
Thinking of buying with a friend or sibling? Here is how the 5% Deposit Scheme works for two people, what lenders look at, and the questions to ask each other first.
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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