Home loan guides

2026-07-30 · loanhub

Home loan guides

Guides High-intent content for borrowers who are already comparing offers. LoanHub guides are designed to sit beside the offer board: practical, numerical and lender-aware. Refinance cashback How to compare cashback with rate savings Calculate net cashback, break-even months, package fees and clawback risk before moving lenders. First home When a $3,000 cashback should not be your first filter Government guarantees, LMI waivers and grants can outweigh a simple cashback offer. Rate discounts Online offer, package rate or broker-negotiated margin Know the difference between advertised rate, comparison rate, package fee and lender margin. LVR policy Why 80% LVR is the line behind many offers Cashback, LMI, pricing tiers and lender appetite often change once the loan crosses 80% LVR. Broker questions The questions to ask before accepting a shortlist Ask why each lender is in the shortlist, what fees apply and what alternatives were considered. Documents The evidence that decides serviceability Income, liabilities, account conduct, deposit evidence and property details all affect the real outcome.