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Latest Articles from Public Home Loans

Check out the latest blog posts from Public Home Loans

Featured Articles

Image for Smart ways to approach buying a larger family home

1st October 2026

Smart ways to approach buying a larger family home

How Queensland public sector employees structure finance to upsize without overstretching, using borrowing capacity, offset accounts, and lender options that fit stable employment.

Image for The easiest way to switch from fixed to variable

30th September 2026

The easiest way to switch from fixed to variable

Coming off a fixed rate period opens the door to lower repayments, offset accounts, and redraw facilities you couldn't access before.

Image for Unlock the Secrets to Buying Off-the-Plan as a First Timer

29th September 2026

Unlock the Secrets to Buying Off-the-Plan as a First Timer

Off-the-plan purchases open doors for Service NSW employees with a smaller deposit, but the deposit structure and settlement timeline work differently to established homes.

Image for Beginner's Guide to Building Finance Regulations

28th September 2026

Beginner's Guide to Building Finance Regulations

What Tasmanian public sector employees need to know about construction loan compliance, council approvals, and progressive drawdown requirements when building a new home.

Home Loans

Image for Smart ways to approach buying a larger family home

1st October 2026

Smart ways to approach buying a larger family home

How Queensland public sector employees structure finance to upsize without overstretching, using borrowing capacity, offset accounts, and lender options that fit stable employment.

Image for Unlock the secrets to renting vs buying in Canberra

27th September 2026

Unlock the secrets to renting vs buying in Canberra

A sector-aware comparison of tenure paths for ACT public servants weighing deposit capacity, long-term stability, and the financial trade-offs that shift over time.

Image for Proven tips to speed up your home loan approval

25th September 2026

Proven tips to speed up your home loan approval

What WA Government employees need to know about approval timeframes, documentation requirements, and how to structure your application for a faster outcome

Image for Common Mistakes with Home Loan Terms and Conditions

23rd September 2026

Common Mistakes with Home Loan Terms and Conditions

Queensland public sector employees often overlook key loan features that can lock them into inflexible arrangements or cost thousands more than necessary.

Image for How to Understand Fixed Rate Loan Fees and Costs

19th September 2026

How to Understand Fixed Rate Loan Fees and Costs

Break costs, application charges, and discharge fees can add thousands to a fixed home loan. Here's what public servants need to know before locking in a rate.

Image for Everything You Need to Know About Property Valuation

16th September 2026

Everything You Need to Know About Property Valuation

How lenders assess property value for home loan applications and what Tasmanian government employees should understand before applying for finance

Image for Understanding the basics of holiday home loans

15th September 2026

Understanding the basics of holiday home loans

What NDIA employees need to know about lending structures, deposit requirements, and tax treatment when financing a second property

Image for Avoid These 4 Mistakes When Buying Closer to Work

14th September 2026

Avoid These 4 Mistakes When Buying Closer to Work

A closer commute looks tempting on paper, but the wrong loan structure can cost you thousands in wasted equity and lost flexibility.

Image for Proven tips to reduce your home loan faster with extra repayments

8th September 2026

Proven tips to reduce your home loan faster with extra repayments

Department of Home Affairs employees can save years off their mortgage term and thousands in interest by making regular extra repayments on their home loan.

Image for Offset Accounts: Do You Know How They Work?

5th September 2026

Offset Accounts: Do You Know How They Work?

An offset account can reduce interest costs and build equity faster, but how much you save depends on what you keep in it and how your lender structures the facility.

Image for Home Loans for Semi-Detached Houses: What to Know

4th September 2026

Home Loans for Semi-Detached Houses: What to Know

A sector-aware guide to structuring your home loan when buying a semi-detached property, including deposit options and LVR considerations for public servants.

Image for Unlock the Secrets to Property Ownership for ACT Employees

1st September 2026

Unlock the Secrets to Property Ownership for ACT Employees

How stable public sector employment gives ACT Government workers specific advantages when securing a home loan and building equity in Canberra's property market.

Image for Top Strategies to Buy with a 10% Deposit in Queensland

31st August 2026

Top Strategies to Buy with a 10% Deposit in Queensland

Queensland public sector employees can purchase property with a 10% deposit, avoiding LMI in many cases and keeping upfront costs lower than most borrowers.

Image for What Are Home Loans for Accessible Properties?

28th August 2026

What Are Home Loans for Accessible Properties?

How Tasmanian Government employees can finance a home with mobility features, wider doorways, level access, and other accessibility modifications.

Image for Top Strategies to Manage Lenders Mortgage Insurance

26th August 2026

Top Strategies to Manage Lenders Mortgage Insurance

Understanding LMI costs and how Department of Home Affairs employees can reduce or avoid this expense when purchasing property.

Image for What Not to Overlook When Financing a Three Bedroom Home

25th August 2026

What Not to Overlook When Financing a Three Bedroom Home

A sector-aware guide for WA Government employees looking to purchase a three bedroom property with the right loan structure and features

Image for How to Understand Lenders Mortgage Insurance

24th August 2026

How to Understand Lenders Mortgage Insurance

What Service NSW employees need to know about LMI, when it applies, what it costs, and how certain lenders offer waivers for public servants.

Image for Do you know how Home Affairs employment affects lending?

22nd August 2026

Do you know how Home Affairs employment affects lending?

How lenders assess Department of Home Affairs income, what employment structure means for borrowing capacity, and the loan features that suit your role.

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.

Refinancing

Image for The easiest way to switch from fixed to variable

30th September 2026

The easiest way to switch from fixed to variable

Coming off a fixed rate period opens the door to lower repayments, offset accounts, and redraw facilities you couldn't access before.

Image for Understanding the Basics of Refinancing to Access Equity

20th September 2026

Understanding the Basics of Refinancing to Access Equity

How Tasmanian public sector employees can unlock property equity to fund a business without selling their home or draining their savings.

Image for Do you know Equity Can Fund University or TAFE Costs?

2nd September 2026

Do you know Equity Can Fund University or TAFE Costs?

Department of Home Affairs employees with equity can refinance to cover education expenses without disrupting their household cashflow or existing loan structure.

Image for Cashback Offers & LMI Waivers for Public Servants

19th August 2026

Cashback Offers & LMI Waivers for Public Servants

Current lender cashbacks reach $4,000 in August 2026, while Bankwest's LMI waiver helps federal department employees borrow up to 89.99% without insurance costs.

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

First Home Buyers

Image for Unlock the Secrets to Buying Off-the-Plan as a First Timer

29th September 2026

Unlock the Secrets to Buying Off-the-Plan as a First Timer

Off-the-plan purchases open doors for Service NSW employees with a smaller deposit, but the deposit structure and settlement timeline work differently to established homes.

Image for Do you know what first home buyers really need?

22nd September 2026

Do you know what first home buyers really need?

Preparing for a property purchase means getting your deposit, eligibility and application ready before you find the right home.

Image for Unlock the Secrets to Buying a Terrace as Your First Home

17th September 2026

Unlock the Secrets to Buying a Terrace as Your First Home

How SA public sector employees can purchase a terrace house with the right deposit strategy, loan structure, and state-specific duty relief.

Image for Why First Home Resources Matter for SA Public Sector Staff

13th September 2026

Why First Home Resources Matter for SA Public Sector Staff

A sector-aware rundown of the grants, concessions, low deposit schemes and application steps that apply when you work for the South Australian government.

Image for Duplex Purchase Tips for ACT First Home Buyers

11th September 2026

Duplex Purchase Tips for ACT First Home Buyers

How ACT government employees can use low deposit options, stamp duty exemptions and scheme eligibility when buying a duplex as their first property.

Image for Simple hacks to make variable rate loans work at every life stage

10th September 2026

Simple hacks to make variable rate loans work at every life stage

How NDIA employees can use variable rate home loans as a tool that adapts from your first purchase through to upgrading and beyond

Image for Beginner's Guide to Entering the Property Market

6th September 2026

Beginner's Guide to Entering the Property Market

How NDIA employees can use public sector lending benefits and government schemes to purchase their first home with confidence

Image for The easiest way to lock in a fixed rate as a first home buyer

29th August 2026

The easiest way to lock in a fixed rate as a first home buyer

Department of Home Affairs employees entering the market need a loan structure that adapts as your career and capacity grow over time.

Image for Do you know which fixed rate term fits your plan?

28th August 2026

Do you know which fixed rate term fits your plan?

Fixed rate loans give public servants cost certainty, but only when the term length aligns with how long you actually need protection.

Image for Common Mistakes First Home Buyers Make with Variable Loan Fees

27th August 2026

Common Mistakes First Home Buyers Make with Variable Loan Fees

Understand exactly what you'll pay upfront and ongoing when you apply for a variable home loan as a South Australian public sector employee.

Image for Do you know two-bedroom properties suit first buyers?

19th August 2026

Do you know two-bedroom properties suit first buyers?

Why Service NSW employees are using Federal and State schemes to purchase smaller properties that match their deposit and income.

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

Construction Loans

Image for Beginner's Guide to Building Finance Regulations

28th September 2026

Beginner's Guide to Building Finance Regulations

What Tasmanian public sector employees need to know about construction loan compliance, council approvals, and progressive drawdown requirements when building a new home.

Image for Understanding the Basics of Construction Loan Fees

12th September 2026

Understanding the Basics of Construction Loan Fees

Construction finance in Tasmania involves several distinct fees that don't appear on standard home loans, and knowing what you'll pay matters.

Image for What are Construction Loan Approval Requirements?

7th September 2026

What are Construction Loan Approval Requirements?

A practical guide to getting construction finance approved when you're building a new home as a Service NSW employee.

Image for Simple hacks to organise your construction loan paperwork

30th August 2026

Simple hacks to organise your construction loan paperwork

The specific documents lenders need for construction finance, when to submit them, and how NDIA employees can prepare a solid application before plans are finalised.

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.

SMSF Loans

Image for Everything you need to know about SMSF residential loans

26th September 2026

Everything you need to know about SMSF residential loans

Legislative changes from August mean your super fund can no longer borrow to purchase residential property, but commercial and existing arrangements remain unaffected.

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.

Investment Loans

Image for How to Choose the Right Investment Property

24th September 2026

How to Choose the Right Investment Property

A sector-focused guide for Tasmanian government employees building wealth through residential property, covering tax changes, borrowing capacity and property selection.

Image for Top tips to maximise rental yield on your investment

21st September 2026

Top tips to maximise rental yield on your investment

Rental yield measures what you earn versus what you paid, and understanding it helps NDIA employees turn property into reliable passive income.

Image for Everything You Need to Know About Multiple Investment Properties

18th September 2026

Everything You Need to Know About Multiple Investment Properties

How Department of Home Affairs employees can build a portfolio using sector recognition, equity position, and structured loan products without overextending their capacity.

Image for Unlock the secrets to Investment Loan Optimisation

9th September 2026

Unlock the secrets to Investment Loan Optimisation

How Queensland public sector employees can structure property finance to build long-term wealth without overcommitting to repayments or tax inefficiency

Image for Beginner's Guide to Using Home Equity for Investment

3rd September 2026

Beginner's Guide to Using Home Equity for Investment

How SA public sector employees can access the equity in their current property to purchase a second home without starting from scratch.

Image for Smart ways to approach fixed rate investment loans

23rd August 2026

Smart ways to approach fixed rate investment loans

Understanding how fixed investor rates work and when they make sense for ACT Government employees building wealth through property

Image for Unlock the Secrets to Investment Loan Approval

21st August 2026

Unlock the Secrets to Investment Loan Approval

What lenders assess when you apply, how your salary structure affects borrowing power, and what changed when new tax rules arrived

Image for The easiest way to use Variable Rate Investment Loans

20th August 2026

The easiest way to use Variable Rate Investment Loans

Variable rate investment loans give Tasmanian public sector workers the flexibility to manage property finance around cash flow, strategy shifts, and changing tax rules.

Image for Simple hacks to assess risk before you invest

17th August 2026

Simple hacks to assess risk before you invest

How NDIA employees can evaluate investment property risk using serviceability measures, regulatory limits and portfolio structure that suit secure government employment.

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.

Bridging Loans

Image for Understanding Bridging Loans for Development Sites

18th August 2026

Understanding Bridging Loans for Development Sites

How temporary finance works when purchasing land for development, including approval timelines, costs, and exit strategies for ACT Government employees.

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?

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Sydney, NSW

Trustee for the O'Sullivan Family Trust ABN: 29 235 649 437, Credit Representative #482294 and is authorised under Australian Credit Licence 389328..

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.