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, […]
Using a Line of Credit for Debt Recycling in Australia
Have you ever felt stuck between wanting to pay off your mortgage faster and wanting to invest for your future? It’s a common challenge, and it’s exactly where debt recycling strategies come into play. But did you know there’s more than one way to structure debt recycling? While traditional split loans are popular, a line […]
Interest-Only vs Principal & Interest Loans for Smarter Debt Recycling in Australia
When it comes to making debt recycling work for you, choosing the right loan structure isn’t just a footnote. It’s the foundation. The type of home loan you choose, whether interest-only or principal and interest, can have a major impact on how effectively you reduce your mortgage and grow your investments over time. At Unconditional […]
