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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.