Drawer HL / 64 answers
Home Loans
Understand deposits, income, credit history, refinancing and the details that shape a home loan assessment.
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64 answers
- 10 min read
Can You Get a Home Loan on a Bridging Visa?
A home loan on a bridging visa may be possible with some lenders, but very few of the lender policies we reviewed mention bridging visas, and those that do range from accepting some bridging visas to excluding them.
21 Oct 2026 - 15 min read
Can Australian Expats Refinance a Property and Release Equity Using Foreign Income?
Australian citizens living overseas may be able to refinance an Australian investment property and release equity. Learn how lenders assess foreign income, currency, tax residency, cash out and LVR.
4 Aug 2026 - 12 min read
Can You Get a Home Loan Soon After Financial Hardship?
Recent financial hardship does not always prevent a home loan approval. Learn how Australian lenders assess hardship arrangements, repayment history, cleared debts, explanations and lower-LVR applications.
4 Aug 2026 - 14 min read
Can One Spouse Own Part of a Property Without Being on the Home Loan?
Learn how Australian lenders assess co-owners, co-borrowers, guarantors, trusts and joint debts.
3 Aug 2026 - 11 min read
Can a Fully Maintained Company Car Increase Your Home Loan Borrowing Capacity?
A fully maintained company vehicle may improve home loan borrowing capacity with some Australian lenders. Learn which costs must be covered, what evidence is required and how lender policies differ.
3 Aug 2026 - 6 min read
Can You Get a Home Loan When Your Partner Is on a Bridging Visa?
Learn how Australian lenders assess home loan applications involving a citizen and a partner on a bridging visa, including income, ownership and deposit scheme rules.
3 Aug 2026 - 6 min read
How Do Australian Lenders Treat Child Support and Dependants?
Find out how Australian home loan lenders assess child support payments, shared-care arrangements, dependants and household living expenses.
3 Aug 2026 - 7 min read
Can Foster or Kinship Care Payments Count as Home Loan Income?
Learn whether foster care, kinship care and Centrelink carer payments can be used as home loan income, including under the Australian Government 5% Deposit Scheme.
3 Aug 2026 - 40 min read
Can You Get a Home Loan with Borrowed Deposit Funds?
Yes, you may be able to get a home loan with borrowed deposit funds, but it is one of the more sensitive deposit sources lenders assess.
9 July 2026 - 36 min read
Can You Get a Home Loan for Community Title Property?
Yes, you may be able to get a home loan for a community title property in Australia, but lender treatment is not always the same as standard Torrens title or ordinary strata title.
8 July 2026 - 13 min read
Does Buy Now Pay Later Affect Your Home Loan Application?
Buy Now Pay Later can affect your home loan application, even if the repayments seem small.
17 June 2026 - 13 min read
Can You Get a Home Loan While on Maternity Leave or Parental Leave?
Applying for a home loan while on maternity or parental leave? Learn how Australian lenders may assess return-to-work income, paid leave, savings and childcare costs.
17 June 2026
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