Reading room

Everything else on this site

Two collections. The notes explain how the site is put together and why it refuses to do certain things. The reference library is older Chinese-language material kept online because the URLs are indexed and people still land on them.

Notes on how this site works

Short pieces about method, limits and maintenance.

General information and licensed advice

What separates general information from personal advice in Australia, why the distinction is useful rather than legal boilerplate, and how to get the most out of each.

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How the loan type finder works

The three-question finder is a hand-written decision table published in the page source. What is in the table, why that design was chosen, and what its limits are.

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How the seven lanes were drawn

The rule behind the seven-lane split on loanhub.au — a lane exists where the assessment changes, not where the marketing does — and the two places that model strains.

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How this site is organised

The shape of loanhub.au: seven lanes, six income situations, a three-question finder, and four method pages that stay useful after the numbers move.

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How to get a question answered here

Which questions this site can answer well, which belong with a licensed provider, and how corrections are handled.

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How to judge a finance information site

Three questions worth asking of any site that explains money to you — who wrote it, how it is funded, and whether you can check its claims at source.

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How to read a finance privacy page

Four questions that tell you what a finance site's privacy policy is really describing — before you submit anything, and including what the chat widget does.

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Reading a market snapshot

Aggregated lender data is useful for exactly as long as its timestamp holds. Three questions that tell you whether a market snapshot can still carry weight.

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The refinance decision, in four numbers

Whether switching an Australian home loan is worth it comes down to four figures: your repriced rate, the switching cost, the break-even month, and today's loan-to-value ratio.

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What a cashback actually costs

Cashback offers are the loudest number in Australian refinancing. The four conditions that decide whether one is worth taking, and the calculation that settles it.

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Which calculator to use, and when

Australian lending calculators fall into two kinds: pure arithmetic that stays correct, and rule-encoding tools that need maintenance. Knowing which is which tells you how far to trust a result.

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Reference library （中文）

47 archived Chinese-language articles on how to verify a mortgage broker in Australia — checking the ASIC register, asking about lender panels, and what a licensed adviser is obliged to do. Written earlier, kept for the people who arrive on them from search. The site itself is published in English.

General information. General information about how Australian lending is organised. Rules, thresholds and eligibility are set by government agencies and change; each lane links to the source so you can check the current position.