Last updated: September 2026. This guide covers Australian home loans. It is general information only, not financial advice. Choosing between a fixed and a variable rate is one of the biggest decisions you will make on your home loan. In 2026 the choice is especially tricky. The Reserve Bank of Australia has already raised the … Read more
Last updated: September 2026. This guide covers how Australian lenders calculate borrowing capacity. It is general information only, not financial advice. “How much can I borrow?” is usually the first question Australians ask when they start thinking about buying a home. The answer depends on much more than your salary. Lenders look at your income, … Read more
Last updated: September 2026. This guide covers home loans and government support for first home buyers in Australia. It is general information only, not financial advice. Buying your first home in Australia is a big step, and the loan you choose can make a huge difference to how quickly you get there and how much … Read more
Rates last updated: 24 September 2026. This guide covers Australian home loans. It is general information only, Australian Home Loan Rates at a Glance Rate Latest figure RBA cash rate 4.35% (after rises in February, March and May 2026) Lowest advertised variable rates (owner occupier, P&I) around 5.4% to 5.9%, mostly from non bank and … Read more
Last updated: September 2026. This guide covers the mortgage stress test in Canada. It is educational content, not financial advice. If you are buying a home in Canada, you will almost certainly have to pass the mortgage stress test. It is one of the main reasons buyers qualify for less than they expect, and it … Read more
Last updated: September 2026. This guide covers Canadian mortgages. It is educational content, not financial advice. Choosing between a fixed and a variable rate is one of the biggest decisions Canadian homebuyers and renewing homeowners face. In 2026, the choice is especially interesting: variable rates are starting close to a full percentage point below the … Read more
Rates last updated: September 23, 2026. This guide covers Canadian mortgages. It is educational content, not financial advice. Mortgage rates in Canada have shifted a lot over the past few years, and in 2026 the gap between fixed and variable rates is one of the widest borrowers have seen in a while. Whether you are … Read more
Last updated: September 2026. This guide covers Stamp Duty Land Tax (SDLT) in England and Northern Ireland, with notes on Scotland and Wales. It is educational content, not tax advice. Stamp Duty is one of the biggest upfront costs of buying a home in the UK, and it can easily run into thousands of pounds. … Read more
Last updated: September 2026. This guide covers remortgaging in the UK. It is educational content, not financial advice. Most UK homeowners do not keep the same mortgage deal for the whole of their loan. Instead, they switch to a new deal every few years, usually when a fixed or tracker period ends. This is called … Read more
Last updated: September 2026. This guide covers UK mortgages. It is educational content, not financial advice. When you take out or renew a mortgage in the UK, one of the biggest decisions is whether to fix your rate or choose a tracker. A fixed rate gives you certainty. A tracker follows the Bank of England … Read more