Financial Guides
Learn how Australian property and finance calculations work. Free guides updated with current regulations.
Updated January 2026Home Buying & Stamp Duty
5 guides + 8 state guidesStamp Duty by State
Detailed guides for each state and territory with rates, thresholds and first home buyer concessions.
View hub page →Stamp Duty
Pillar GuideComplete guide to stamp duty in Australia: how it works, who pays, first home buyer exemptions and how to calculate it.
Stamp Duty Guide (Australia)
Pillar GuideComplete guide to stamp duty in Australia: how it works, who pays, first home buyer exemptions and how to calculate it.
First Home Buyer Stamp Duty
Buyer's GuideEverything about first home buyer concessions: exemptions, thresholds, and eligibility by state.
Stamp Duty Fees & Total Costs
Cost BreakdownUnderstanding total government costs: stamp duty, transfer fees, mortgage registration and more.
Mortgages & Home Loans
7 guidesMortgage Quotes Australia
ExplainerHow to compare mortgage quotes and home loan offers in Australia. Learn what lenders check, what to compare (rate vs comparison rate), and how to shortlist the best loan.
Offset Account Explained
ExplainerLearn how offset accounts work in Australia, when they beat extra repayments, and how to estimate interest and time saved.
Extra Repayments Guide
ExplainerSee how extra repayments reduce interest and loan term. Learn the best strategies and common mistakes in Australia.
Amortisation Schedule Explained
ExplainerUnderstand amortisation schedules, principal vs interest, and why early repayments are mostly interest.
LMI Calculator Guide
ExplainerLearn when LMI applies in Australia, typical triggers (LVR > 80%), and strategies to reduce or avoid LMI.
Fortnightly vs Monthly Repayments
ExplainerFortnightly repayments can reduce interest and shorten your loan. Learn how it works and model the savings.
Interest-Only Home Loans
ExplainerUnderstand how interest-only repayments work, what happens after the IO period ends, and how to estimate repayments.
Borrowing Power
6 guidesBorrowing Power Calculator Guide
Pillar GuideEstimate how much you can borrow for a home loan based on income, expenses, debts, credit cards and HECS/HELP.
Borrowing Rate vs Power
ExplainerLearn the difference between borrowing rate and borrowing power, and which one you need for your situation.
Credit Cards & Borrowing Power
TipHow credit card limits affect your borrowing capacity even if you have no balance.
HECS & Borrowing Power
ExplainerDoes HECS/HELP debt reduce your borrowing power? Learn how lenders assess student debt.
DTI Ratio Explained
ExplainerLearn why Debt-to-Income (DTI) ratio matters for your borrowing power and home loan approval.
Loan Interest Schedule
ExplainerUnderstand amortisation schedules and how they work with your borrowing power.
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Put these guides into practice with our free Australian finance calculators — updated with official 2026 rates.
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