Home Loan Finance

The ins and outs of Home Loan Finance

In the market to buy a home? This is an introduction to an experienced mortgage broker, Tony Duncan. Here, he shares how the Astute East Brisbane team can assist you to secure the home you want, with lending appropriate to your circumstances.

It can be a complicated process to buy a home- there's a lot to know. From deciding which bank or lender to use, to finding a competitive home loan rate and also to secure finance terms that work for your long term goals. It can really make a difference to use an experienced mortgage broker to navigate this process on your behalf.

If you're an existing homeowner and looking to transition to another home, then you can find out fact sheet here.

In 60 seconds, understand how much you can borrow to buy your dream home or investment property. Use our Borrowing Capacity Calculator Now.

A Few Things to Know

If you're a first home buyer and looking for some more information about the path to purchasing your first home, we have compiled a list of Key Things to Know before purchasing your first home.

Download Now

How much can I borrow?

In 60 seconds, understand how much you could save or spend on what matters most to you. Use our calculator to learn more.

Want to learn more about home loans? Here are our recent blog posts on the topic:

First Home Buyer Benefits in Queensland: Your Complete Guide

Queensland first home buyers have access to some of the most generous support schemes in Australia. From stamp duty exemptions saving up to $21,000 on established homes under $700k, to the $30,000 First Home Owner Grant for new builds, plus the federal First Home Guarantee eliminating LMI - you could save $60,000+ on your first home purchase. Understanding which benefits apply to your situation is crucial. Contact Astute East Brisbane on (07) 3667 8988 to maximise your first

Steve Dart

Feb 235 min read

APRA's Lending Changes: New Opportunities for Strategic Property Investors

From February 2026, the Australian Prudential Regulation Authority (APRA) will introduce new lending guidelines that will reshape the property investment landscape. While headlines focus on restrictions, savvy investors are recognising the opportunities these changes create for those who understand the new rules.

Tony Duncan

Jan 204 min read

The Two Pillars of Home Loan Approval: What Lenders Really Look For

When you apply for a home loan, many borrowers assume it's all about their credit score or employment history. While these factors matter, lenders primarily focus on two fundamental questions: Do you have enough skin in the game? And can you afford the repayments?

Josh Jackman

Nov 24, 20254 min read

The Australian Government has announced significant expansions to the Home Guarantee Scheme that will transform home ownership opportunities for first home buyers across the country.

Major Changes to the First Home Guarantee Scheme from October 2025

The Australian Government has announced significant expansions to the Home Guarantee Scheme that will transform home ownership opportunities for first home buyers across the country. Starting 1 October 2025, these changes will make it easier than ever for eligible buyers to enter the property market with as little as a 5% deposit and no Lenders Mortgage Insurance.

Steve Dart

Oct 9, 20255 min read

RBA Decisions: How Independent Bank Rate Movements Create Refinancing Opportunities

With interest rates constantly in the spotlight and cost-of-living pressures rising, any drop in mortgage rates can be a welcome relief...

Steve Dart

Aug 26, 20254 min read

Understanding Your True Repayment Capacity: Beyond Basic Calculators

When you're ready to borrow for property, most online calculators only scratch the surface. Our tools at astute.online/calculators think like lenders, considering after-expense income, credit card limits (not balances), BNPL accounts, and rate buffers. Get an accurate picture of your true borrowing capacity. Contact Astute East Brisbane on (07) 3667 8988 for personalised assessment.

Tony Duncan

Jul 24, 20254 min read