Home Loans for New Teachers: 10 Expert Tips Before You Apply
Starting your teaching career is a milestone to be proud of. You’ve worked hard to get here, and now you’re thinking about building a future beyond the classroom as well. But when it comes to home loans for new teachers, it’s completely normal to feel unsure about where to start, especially if you’re on a […]
Teacher Home Loans and Grants for First-Time Buyers
Stepping into your first home is a moment many teachers look forward to. It’s more than just having a place to call your own. It’s about being part of the community you serve, creating stability, and building a future on your terms. While it may seem like a big leap, owning your first home could […]
Getting a Home Loan with Part-Time or Casual Teaching Income
Are you a part-time or casual teacher wondering if homeownership is realistically within reach? You’re not alone. Many educators across Australia juggle unpredictable timetables, term breaks, and varying contracts, leaving them unsure if banks will see them as “stable enough” for a mortgage. The good news? You can qualify for a home loan as a […]
Cash Rate Cut to 3.85%: Are You Paying More Than You Should?
When life’s busy, it’s easy to miss a headline, especially one about the Reserve Bank of Australia (RBA). But if you’ve got a mortgage or you’re thinking about borrowing soon, this one matters. The RBA just cut the cash rate by 0.25%, bringing it down to 3.85%. And while that might sound like another dry […]
Negative Gearing in Australia: Smart Property Strategy or Risk?
Negative gearing in Australia is one of the most talked-about strategies among property investors. You’ve probably heard people mention it alongside words like “tax benefits”, “long-term wealth”, or “smart investment”. But just because it’s popular doesn’t mean it’s right for you. The real question is: does negative gearing align with your goals, your financial situation, […]
Equity Release in Australia: Unlock Your Home’s Value
If you’re a homeowner in Australia, particularly over 60, you may be sitting on a valuable financial resource: your home equity. But what if you’re not ready to sell or downsize? That’s where equity release could come into play, giving you access to that wealth while continuing to live in the home you love. From […]
Using Super to Buy Property in Australia: What’s Actually Allowed?
If you’ve ever asked yourself, “can I use my super to buy a house?”, you’re not alone. As a mortgage broker in Sydney, Unconditional Finance hears this question often, especially from first-home buyers feeling locked out of the market or retirees looking to downsize. Here’s the truth: your super isn’t a free-for-all deposit pool, but […]