WHITE PICKET MORTGAGES ARTICLES & NEWS
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Articles & News
Buying Property Through an SMSF? A Major Rule Change Is Almost Here
Learn how the new SMSF property borrowing rules from 10 August 2026 may affect residential property investors. Understand what is changing, who may be impacted, and what options may still be available.
Negative Gearing Is Changing: What Property Investors Need to Know Now
Learn how Australia's 2026 negative gearing reforms may affect investment property owners, new investors, and future property strategies. Understand the latest changes and what they could mean for your next investment.
How Overtime and Shift Income May Affect Borrowing Capacity
Learn how lenders assess overtime, shift pay, and allowances when calculating borrowing capacity. Discover what may count as income and how it can affect your home loan options.
The Home Loan Myth Many Self-Employed Australians Still Believe
Learn how business owners may qualify for a home loan using BAS statements, accountant declarations, or bank statements when traditional tax returns do not reflect their true income.
The Hidden Home Equity Strategy Many Homeowners Overlook
Discover how home equity works and learn some of the ways Australian homeowners may be able to use equity to renovate, invest, or review their home loan options.
The Investment Loan Strategy Smart Property Investors Use
Learn the mortgage strategies Australian property investors use to manage cash flow, build equity, and structure investment loans more effectively in 2026.
Fixed Rate Expiring Soon? How to Reposition for Property Investment
Fixed rate expiring soon? Learn how borrowers can refinance, access equity, and reposition for property investment with a clear strategy.
How Borrowing Capacity Shapes Your Property Investment Strategy in NSW
Learn how borrowing capacity affects your property investment strategy in NSW. Understand what lenders assess and how to plan your next move with confidence.
Low Doc vs Full Doc Home Loans: A Guide for Self-Employed Borrowers in Australia
Learn the difference between low doc and full doc home loans in Australia. Understand income requirements, borrowing options, and how lenders assess self-employed borrowers.
Rental Yields vs Capital Growth: What Australian Property Investors Should Know in 2026
Learn how rental yields and capital growth affect property investment decisions in Australia. Understand how loan structure, repayments, and borrowing capacity may influence your investment approach.
Closing Cost Guide for First Home Buyers
Closing Cost planning helps every First Home Buyer reduce fees, negotiate smarter, and approach property settlement with confidence in Australia.
Buying a Property: Budgeting Tips Every Couple Should Know
Practical budgeting tips for couples in Australia saving to buy a property together with confidence and clear steps to succeed.
RBA hikes the cash rate by 25 basis points to 3.85%
Bad news for mortgage holders around the country: the Reserve Bank of Australia (RBA) today raised the cash rate by 25 basis points to 3.85%. Today we’ll look at why it did so, and how this rate hike could impact your monthly mortgage repayments.
How high are property prices predicted to go in 2026?
After a lengthy run of rising prices in 2025, some pundits are tipping property prices could keep climbing in 2026. Today we’ll take a sneak peek inside the experts’ crystal ball – and what it could mean for your home buying plans.
First Home Buyers in Australia: Should You Break Your Term Deposit?
Thinking of breaking your term deposit to buy your first home in Australia? Learn the costs, penalties, and strategies for first-time home buyers to navigate the Australian Property Market and secure your home loan with confidence.
Roll up those sleeves – a renovation renaissance is slated for 2026
A renovation boom may loom, with plenty of home owners choosing to renovate rather than relocate this year. So if you have plans for home improvements, it’s worth knowing how to fund your project.
Mortgage Types Uncovered for Smart Australian Borrowers
Discover the top mortgage types in Australia. Compare fixed, variable, and specialised home loans to find the perfect fit for your goals and budget.
Nurses, teachers or CEOs: which occupation boasts more property investors?
Owning an investment property isn’t limited to the uber-rich. In fact, investors are usually people you interact with daily. Today, we’ll reveal which occupations are the nation’s most prolific property investors, and how you could potentially join them.
Aussie home owners just got $82,000 richer on average
What a way to start the new year! After a strong 12 months in the property market, plenty of homeowners around the nation are now a whole lot wealthier. And their newfound increase in home equity has opened up some exciting possibilities for 2026.
Happy New Year! Let’s discuss some potential 2026 goals
There’s nothing quite like a New Year’s resolution to fire you up for another lap around the sun. Whether you’re looking to buy your first home, save on your mortgage, or leverage the equity in your current position, here are three resolutions to consider for 2026.
