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Guides

Home Loan Guides

Home Buyer Essentials, Home Loan Essentials and the Property Investment Guide: 14 to 16 pages each, written in November 2026 and emailed as a PDF.

Three guides, written as booklets rather than web pages, for reading start to finish; each was rewritten in November 2026 with the current schemes and the 2026 tax changes. Enter a first name and email and the link arrives in a minute; three short notes on the same subject follow over the next fortnight, and you can stop them with one click.

Home Buyer Essentials cover

Home Buyer Essentials

15 pages · First and next home buyers at the start of the process.

How a lender reads an application, the credit file, the deposit and the costs around it, the grants and schemes that stack, pre-approval and the documents, private treaty and auction, questions for the agent, what happens after the offer, choosing the loan, settlement day, repaying sooner and reviewing the loan.

Home Loan Essentials cover

Home Loan Essentials

14 pages · Anyone weighing a broker against going direct, or comparing loan types.

What a broker does, how brokers are regulated and paid, bank or broker, the loan types and features, what a loan costs beyond the rate, reading an offer, the process from first conversation to settlement, the questions to ask, and the people around the loan.

Property Investment Guide cover

Property Investment Guide

16 pages · First-time and growing investors.

Why you are investing and what a property returns, how an investment loan is assessed, deposit and equity, loan types for investors, gearing and the 2026 negative gearing change, SMSF property after the residential borrowing ban, ownership structure, the costs of buying and holding, choosing and researching the property, managing it, the questions for a property manager, the second property and selling.

For a single subject, the fact sheets are two or three pages each and need no email. Buying Your First Home, the book, is separate from these guides.

General information only; it does not take your circumstances into account and is not credit or financial advice. Lender policies, insurer premiums and government scheme rules vary and change. Value Lending Pty Ltd is a Corporate Credit Representative (515167) of Connective Credit Services Pty Ltd (ACL 389328).