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Latest Articles from Public Home Loans

Check out the latest blog posts from Public Home Loans

Featured Articles

Image for Understanding the Basics of SMSF Deposit Sourcing

16th August 2026

Understanding the Basics of SMSF Deposit Sourcing

How WA government employees can build and structure contributions to meet LRBA deposit requirements under the new commercial property rules

Image for Why Construction Loans for Investment Property Work

15th August 2026

Why Construction Loans for Investment Property Work

How Tasmanian government employees finance investment builds without paying interest on funds they haven't used yet

Image for Smart ways to upgrade your family home

14th August 2026

Smart ways to upgrade your family home

How Service NSW employees can use stable employment and sector benefits to move into a larger home without overstretching their budget.

Image for What are Stamp Duty Concessions for Public Servants?

13th August 2026

What are Stamp Duty Concessions for Public Servants?

Understanding the state-based duty relief available to public sector employees and how it affects your property purchase budget.

SMSF Loans

Image for Understanding the Basics of SMSF Deposit Sourcing

16th August 2026

Understanding the Basics of SMSF Deposit Sourcing

How WA government employees can build and structure contributions to meet LRBA deposit requirements under the new commercial property rules

Image for How to Avoid Occupying SMSF Property as a Member

2nd August 2026

How to Avoid Occupying SMSF Property as a Member

The sole purpose test prohibits members from living in or using property owned by their fund, and the penalties run deeper than most public servants expect.

Image for Understanding the Basics of SMSF Loans for Vacant Land

30th July 2026

Understanding the Basics of SMSF Loans for Vacant Land

What Department of Home Affairs employees need to know about using super to purchase vacant land after the August 2026 legislative changes

Image for When to Improve Property in Your SMSF

9th July 2026

When to Improve Property in Your SMSF

Capital works and improvement restrictions under a Limited Recourse Borrowing Arrangement explained for Service NSW employees with superannuation property.

Image for Common Mistakes When Buying Commercial Property via SMSF

3rd July 2026

Common Mistakes When Buying Commercial Property via SMSF

New residential borrowing restrictions mean commercial property LRBAs now offer the only borrowing pathway for WA Government employees using superannuation.

Construction Loans

Image for Why Construction Loans for Investment Property Work

15th August 2026

Why Construction Loans for Investment Property Work

How Tasmanian government employees finance investment builds without paying interest on funds they haven't used yet

Image for The easiest way to finance a custom home project

8th August 2026

The easiest way to finance a custom home project

A sector-aware guide for Tasmanian public servants building a custom home, covering progressive drawdown, fixed price contracts, and how construction finance works from day one.

Image for Understanding the Basics of Construction Loan Features

6th August 2026

Understanding the Basics of Construction Loan Features

How progressive drawdowns, payment schedules, and interest calculations work when you're building a new home as a WA government employee

Image for Unlock the Secrets to Managing Construction Loan Risks

4th August 2026

Unlock the Secrets to Managing Construction Loan Risks

The specific financial exposures Service NSW employees face when building, and how to structure protection before you commit to the contract.

Image for Top Tips to Manage Construction Loan Monitoring

29th July 2026

Top Tips to Manage Construction Loan Monitoring

What WA government employees should know about progressive drawdowns, progress inspections, and keeping your build on schedule and within budget.

Image for The easiest way to structure a construction loan

28th June 2026

The easiest way to structure a construction loan

Understanding progressive drawdowns, payment schedules, and the difference between construction-to-permanent structures and standalone building finance for Queensland public sector employees.

Image for Construction Loan Rates & Everything You Need to Know

14th June 2026

Construction Loan Rates & Everything You Need to Know

How construction loan interest rates differ from standard home loans, what Queensland public sector employees should expect, and where rate structures actually affect your build budget.

Image for What Not to Do When Financing a House & Land Package

9th June 2026

What Not to Do When Financing a House & Land Package

How construction finance works when you're buying a house and land package as a Queensland public sector employee

Image for Do you know how multi-unit development funding works?

8th June 2026

Do you know how multi-unit development funding works?

Construction finance for Department of Home Affairs employees looking to build multiple dwellings on a single site

Image for Top tips to manage a construction loan drawdown

31st May 2026

Top tips to manage a construction loan drawdown

How progress payment schedules work, what triggers each drawdown, and how to keep your build on budget from slab to handover.

Home Loans

Image for Smart ways to upgrade your family home

14th August 2026

Smart ways to upgrade your family home

How Service NSW employees can use stable employment and sector benefits to move into a larger home without overstretching their budget.

Image for What are Stamp Duty Concessions for Public Servants?

13th August 2026

What are Stamp Duty Concessions for Public Servants?

Understanding the state-based duty relief available to public sector employees and how it affects your property purchase budget.

Image for 10 Factors to Weigh When Renting vs Buying a Home

10th August 2026

10 Factors to Weigh When Renting vs Buying a Home

For NDIA employees weighing rental flexibility against ownership, the numbers depend on salary certainty, deposit readiness, and where you plan to be in five years.

Image for Understanding the Basics of Your First Home Loan

9th August 2026

Understanding the Basics of Your First Home Loan

A sector-focused guide to home loan options, rates, and features for ACT Government employees purchasing their first property

Image for Avoid these 3 Rate Structure Mistakes on Your Home Loan

1st August 2026

Avoid these 3 Rate Structure Mistakes on Your Home Loan

How Queensland public sector employees can choose between fixed, variable, and split loan structures to match their income stability and financial goals.

Image for Proven Tips to Lock in Fixed Rate Home Loan Features

21st July 2026

Proven Tips to Lock in Fixed Rate Home Loan Features

What public servants need to know about fixed interest rate loan features, from rate locks to break costs and portability conditions.

Image for 10 Steps to Navigate the Home Buying Process

20th July 2026

10 Steps to Navigate the Home Buying Process

A clear walkthrough of what happens from pre-approval to settlement when you're buying property as a WA Government employee

Image for When to Finance Vacant Land as a Queensland Public Servant

17th July 2026

When to Finance Vacant Land as a Queensland Public Servant

How home loan approvals work differently for land-only purchases, what lenders require, and the loan structures that suit your build timeline.

Image for Simple hacks to buy in a better school zone

16th July 2026

Simple hacks to buy in a better school zone

How Tasmanian Government employees can structure a home loan to afford property in sought-after school catchments without overextending their budget.

Image for Family Loan Agreements and Home Loans for SA Public Sector

14th July 2026

Family Loan Agreements and Home Loans for SA Public Sector

How family loan agreements work when you're borrowing from relatives to increase your deposit and what lenders need to see

Image for Beginner's Guide to Variable Rate Home Loans

10th July 2026

Beginner's Guide to Variable Rate Home Loans

How variable rate loans work, when they suit your circumstances, and what to consider before locking in your loan structure.

Image for Avoid These 5 Mistakes Self-Employed Public Servants Make

8th July 2026

Avoid These 5 Mistakes Self-Employed Public Servants Make

Self-employed income doesn't have to kill your borrowing capacity if you know what lenders actually need to see when you apply.

Image for Do you know how property valuations affect your loan?

7th July 2026

Do you know how property valuations affect your loan?

Understanding how lenders assess property value helps you prepare a stronger application and avoid delays in your home loan process.

Image for Proven tips to choose a property location for your loan

5th July 2026

Proven tips to choose a property location for your loan

Location affects more than your lifestyle. It influences how lenders assess your application, what deposit you need, and which loan features become available.

Image for Fixed Rate Home Loans and Why Your Rate Locks Matter

4th July 2026

Fixed Rate Home Loans and Why Your Rate Locks Matter

What Tasmanian Government employees need to know before locking in a rate, including when a fixed term protects you and when it doesn't

Image for When to Use Variable Rate Home Loan Features

27th June 2026

When to Use Variable Rate Home Loan Features

How offset accounts, redraw facilities, and flexible repayment options work for SA public sector employees who want control over their mortgage.

Image for When to Lock In & When to Wait on Home Loan Rates

26th June 2026

When to Lock In & When to Wait on Home Loan Rates

Economic factors shift constantly, but your employment stability as a public servant gives you a different lens for timing rate decisions.

Image for Variable Rate Loans and Offset Accounts: Everything You Need to Know

25th June 2026

Variable Rate Loans and Offset Accounts: Everything You Need to Know

How variable rate home loans and offset accounts work together to give Tasmanian public sector employees flexibility and genuine control over interest costs.

Image for Stamp Duty Exceptions to Know Before You Buy

17th June 2026

Stamp Duty Exceptions to Know Before You Buy

Tasmanian Government employees could reduce thousands in upfront property costs if they qualify for duty relief or concessions under state schemes.

Image for Avoid These 3 Mistakes When Buying in a School Zone

16th June 2026

Avoid These 3 Mistakes When Buying in a School Zone

Department of Home Affairs employees face specific hurdles when purchasing near preferred schools, particularly around deposit size, borrowing capacity, and timing their move.

Image for Do You Know Which Home Loan Structure Fits Your Move?

11th June 2026

Do You Know Which Home Loan Structure Fits Your Move?

When you're buying your next property as a Tasmanian Government employee, your loan structure matters as much as the rate you secure.

Image for Family Loan Agreements & What Not to Miss

10th June 2026

Family Loan Agreements & What Not to Miss

How to structure a family loan agreement that lenders will accept and protect everyone involved when buying property.

Image for When to Lock In Rates & When to Stay Variable

4th June 2026

When to Lock In Rates & When to Stay Variable

Understanding the right home loan structure for public servants means looking at your job security, salary progression, and how you plan to pay down debt.

Image for When to Make Extra Repayments on a Fixed Rate Loan

3rd June 2026

When to Make Extra Repayments on a Fixed Rate Loan

Fixed rate loans offer stability, but extra repayments can trigger costs. Understanding the rules helps ACT Government employees protect their equity and avoid unnecessary charges.

Image for Understanding Stamp Duty Concessions & Home Loans

30th May 2026

Understanding Stamp Duty Concessions & Home Loans

How South Australian public sector employees can combine state stamp duty relief with sector-specific lending advantages to reduce upfront property costs.

First Home Buyers

Image for Top tips to own your first home as a WA public servant

12th August 2026

Top tips to own your first home as a WA public servant

Western Australian Government employees can access state and federal schemes that reduce deposit and stamp duty costs when buying their first home.

Image for Simple hacks to buy your first home as a public servant

3rd August 2026

Simple hacks to buy your first home as a public servant

SA public sector employees have access to government schemes, duty concessions and sector-specific lending terms that reduce deposit and upfront costs.

Image for Top Strategies to Buy a Two Bedroom as Your First Home

28th July 2026

Top Strategies to Buy a Two Bedroom as Your First Home

How NDIA employees can structure a two bedroom purchase with sector-specific deposit options and the full range of state and federal support.

Image for Why First Home Buyers Should Map Before They Browse

27th July 2026

Why First Home Buyers Should Map Before They Browse

Public servants buying in the ACT need a search strategy anchored to deposit size, eligibility, and what they can actually afford before they open a listing.

Image for Top 10 Ways to Finance a House and Land Package

26th July 2026

Top 10 Ways to Finance a House and Land Package

Service NSW employees looking to build from scratch can access multiple deposit schemes, grants, and stamp duty concessions that stack together.

Image for How to Prepare Your First Home Loan Application

25th July 2026

How to Prepare Your First Home Loan Application

A plain-spoken guide for WA public sector employees entering the property market with the right deposit, application documents and lender choice.

Image for Unlock the secrets to fixed rate loans for first home buyers

18th July 2026

Unlock the secrets to fixed rate loans for first home buyers

How Service NSW employees can use fixed rate stability at different life stages to secure their first property with confidence

Image for Do you know what belongs on a first home buyer checklist?

15th July 2026

Do you know what belongs on a first home buyer checklist?

Before you apply for a home loan as an NDIA employee, get the paperwork and deposit sorted early to avoid delays later.

Image for Everything You Need to Know About Two Bedroom Properties

13th July 2026

Everything You Need to Know About Two Bedroom Properties

A sector-focused look at how public servants can approach their first purchase with a smaller property and tighter budget.

Image for Simple hacks to lock in a fixed rate as a first buyer

11th July 2026

Simple hacks to lock in a fixed rate as a first buyer

What WA Government employees need to know about choosing fixed rate loan terms when entering the property market for the first time

Image for Fixed Rate Loans and Extra Repayments: Avoid These 3 Mistakes

30th June 2026

Fixed Rate Loans and Extra Repayments: Avoid These 3 Mistakes

What Tasmanian Government employees need to know about making additional payments on a fixed rate home loan before locking in.

Image for Fixed Rate Loans: The Fees and Costs First Home Buyers Face

29th June 2026

Fixed Rate Loans: The Fees and Costs First Home Buyers Face

What NDIA employees need to know about the upfront and ongoing costs when choosing a fixed rate home loan for their first property purchase

Image for Avoid These 7 First Home Buyer Mistakes NDIA Staff Make

23rd June 2026

Avoid These 7 First Home Buyer Mistakes NDIA Staff Make

From savings thresholds to scheme stacking, what NDIA employees need to know before applying for their first home loan.

Image for The Pros and Cons of House and Land Packages

21st June 2026

The Pros and Cons of House and Land Packages

What SA public sector employees need to know about financing and buying a house and land package as a first home buyer

Image for Proven tips to use First Home Buyer Statistics

12th June 2026

Proven tips to use First Home Buyer Statistics

Learn how understanding the current data on grants, deposits, and eligibility rules helps WA Government employees make informed decisions when buying property.

Image for How to Choose a Variable Rate Loan as a First Home Buyer

7th June 2026

How to Choose a Variable Rate Loan as a First Home Buyer

What WA Government employees need to know about variable rate home loans, offset accounts, and loan features that match your career stage.

Image for Top Strategies to Inspect Properties as a First Home Buyer

6th June 2026

Top Strategies to Inspect Properties as a First Home Buyer

What Tasmanian Government employees need to look for at inspections, how to assess condition without overcapitalising, and when to call in a professional.

Image for Why Semi-Detached Homes Work for NDIA First Home Buyers

28th May 2026

Why Semi-Detached Homes Work for NDIA First Home Buyers

What NDIA employees need to know about buying a semi-detached property as their first home, including deposit options and funding support.

Refinancing

Image for 10 Ways Refinancing Adds Flexibility to Your Loan

11th August 2026

10 Ways Refinancing Adds Flexibility to Your Loan

How SA public sector employees can refinance to unlock offset accounts, redraw facilities, and repayment options that suit changing circumstances

Image for Top Strategies to Reduce Refinancing Costs

31st July 2026

Top Strategies to Reduce Refinancing Costs

Understanding the upfront and hidden costs of refinancing helps Service NSW employees decide whether switching lenders will actually save money.

Image for Refinancing to Access Equity: The Pros and Cons

22nd July 2026

Refinancing to Access Equity: The Pros and Cons

How Service NSW employees can release property equity to fund a business venture while keeping control of both assets.

Image for Top tips to refinance and reduce monthly payments

12th July 2026

Top tips to refinance and reduce monthly payments

How ACT Government employees can lower their home loan repayments through refinancing, and what to check before you switch

Image for Smart Ways to Refinance as a First-Time Buyer

2nd July 2026

Smart Ways to Refinance as a First-Time Buyer

Department of Home Affairs employees often overlook refinancing opportunities within the first two years of ownership, even when lower rates and sector-specific benefits are available.

Image for Refinance Cashback Offers: The Pros and Cons

1st July 2026

Refinance Cashback Offers: The Pros and Cons

What Service NSW employees should know about cashback incentives when refinancing, including how they work and what to watch for in the fine print.

Investment Loans

Image for Common Mistakes When Choosing Investment Property Types

7th August 2026

Common Mistakes When Choosing Investment Property Types

Different property types carry different lending conditions, rental dynamics, and growth profiles that can shift your borrowing capacity and settlement costs substantially.

Image for The Easiest Way to Understand Rate Lock-ins and Breaks

5th August 2026

The Easiest Way to Understand Rate Lock-ins and Breaks

How fixed investment loan break costs are calculated, when they apply, and what NDIA employees should consider before locking in their investor rate.

Image for Beginner's Guide to Investment Apartment Loans

24th July 2026

Beginner's Guide to Investment Apartment Loans

How SA public sector employees can structure an investment loan to purchase an apartment, factor in body corporate fees, and prepare for regulatory changes from July 2027.

Image for Proven tips to use negative gearing before the rules change

23rd July 2026

Proven tips to use negative gearing before the rules change

For Tasmanian Government employees planning to invest in residential property, the negative gearing rules are changing from 1 July 2027 and your timeline matters.

Image for Do you know how investment loan approval works?

19th July 2026

Do you know how investment loan approval works?

What ACT Government employees need to understand about borrowing capacity, deposit requirements and the regulatory changes reshaping investor finance from July 2027.

Image for Public Servant Investment Loans — Building Wealth

15th July 2026

Public Servant Investment Loans — Building Wealth

Government employees have access to lender policies and rate benefits that make building an investment property portfolio more achievable than most realise.

Image for Top 10 Ways to Assess Investment Risk for Public Servants

6th July 2026

Top 10 Ways to Assess Investment Risk for Public Servants

How Queensland public sector employees can measure rental income, leverage equity, and build wealth through property investment while managing serviceability and tax changes.

Image for Avoid These 5 Mistakes When Owning Multiple Investment Properties

24th June 2026

Avoid These 5 Mistakes When Owning Multiple Investment Properties

Building a portfolio takes more than appetite. Queensland public sector employees need to avoid these common missteps when adding their second, third, or fourth property.

Image for Beginner's guide to Investment Loans and Property Goals

20th June 2026

Beginner's guide to Investment Loans and Property Goals

How WA Government employees can use targeted finance structures to match property investment outcomes with income stability and long-term financial objectives.

Image for Top tips to manage risk on an investment loan

19th June 2026

Top tips to manage risk on an investment loan

How NDIA employees can structure borrowing, protect rental income, and adapt to policy changes that affect property investors from 2027 onwards

Image for Simple hacks to strengthen your investment loan application

18th June 2026

Simple hacks to strengthen your investment loan application

How ACT Government employees can position their application to access better loan options and move faster on the right property

Image for Top tips to grow a property portfolio as a public servant

15th June 2026

Top tips to grow a property portfolio as a public servant

Building multiple investment properties requires structure, sector knowledge, and the right loan products to maximise borrowing capacity while managing risk.

Image for Why Service NSW Staff Should Consider Property Investment

13th June 2026

Why Service NSW Staff Should Consider Property Investment

How stable employment and sector-specific loan options create a solid foundation for building wealth through residential property investment.

Image for The Easiest Way to Finance a Rental Property Purchase

5th June 2026

The Easiest Way to Finance a Rental Property Purchase

How South Australian public sector employees can access the right loan structure and deposit options to start building wealth through property

Image for When to Lock in Rates for Off-the-Plan Investment

2nd June 2026

When to Lock in Rates for Off-the-Plan Investment

Queensland public sector employees buying off-the-plan investment property need to understand how timing affects borrowing capacity, settlement costs, and loan structure decisions.

Image for Proven Tips to Compare Investment Loans Properly

1st June 2026

Proven Tips to Compare Investment Loans Properly

How NDIA employees can assess lender options, rate structures, and loan features to match their property strategy without overpaying or missing key benefits.

Image for Investment Loan Cash Flow: Common Mistakes & Fixes

29th May 2026

Investment Loan Cash Flow: Common Mistakes & Fixes

How Department of Home Affairs employees can structure investor loans to protect income, claim deductions correctly, and avoid budget strain before settlement.

Car Loans

Image for Car Loan vs Novated Lease for Government Employees

15th July 2026

Car Loan vs Novated Lease for Government Employees

Which vehicle finance option delivers better value when you factor in tax treatment, ownership, and job security for public sector workers?

Bridging Loans

Image for How to Use Bridging Finance for an Apartment Purchase

22nd June 2026

How to Use Bridging Finance for an Apartment Purchase

Understanding bridging loans for Department of Home Affairs employees purchasing an apartment before selling their current property

Recent Articles

Image for Everything You Need to Know About Variable Rate Loans

27th May 2026

Everything You Need to Know About Variable Rate Loans

How variable rate investment loans and offset accounts work for Queensland public sector employees building a property portfolio

Image for Avoid these 4 mistakes when downsizing your home

26th May 2026

Avoid these 4 mistakes when downsizing your home

Service NSW employees looking to downsize need a lending approach that recognises steady income and protects equity for retirement or reinvestment.

Image for Common Mistakes with Tax and Home Loans

25th May 2026

Common Mistakes with Tax and Home Loans

How WA Government employees can structure property ownership and debt to reduce tax and build wealth without overpaying.

Image for The Easiest Way to Manage Investment Property Risk

24th May 2026

The Easiest Way to Manage Investment Property Risk

How Tasmanian Government employees can protect their property portfolio and maintain secure borrowing through disciplined risk management

Image for What are Unit Purchase Home Loans for Home Affairs Staff

23rd May 2026

What are Unit Purchase Home Loans for Home Affairs Staff

How Department of Home Affairs employees can access tailored loan features and sector-specific benefits when purchasing an apartment or unit

Image for Top 10 Ways SMSF Loans Work for Office Buildings

22nd May 2026

Top 10 Ways SMSF Loans Work for Office Buildings

How Service NSW employees can use a Self-Managed Super Fund loan to purchase commercial property through a Limited Recourse Borrowing Arrangement.

Image for Proven Tips to Meet Refinancing Eligibility Requirements

21st May 2026

Proven Tips to Meet Refinancing Eligibility Requirements

What you need to qualify for a refinance, how lenders assess public sector income, and where applications typically get held up.

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Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Names & Locations of users have been changed to protect their privacy and are illustrative only.