Empower Money Blog

Find guides on Home Loans and learn practical tips on getting your loans approved!

Borrowing Power Strategies When You Have Multiple Income Streams

Borrowing Power Strategies When You Have Multiple Income Streams

Learn how borrowing power multiple income streams works, including lender rules, income types, and strategies to improve approval chances in Australia.

How Lenders Assess Living Expenses When You Apply for a Mortgage

How Lenders Assess Living Expenses When You Apply for a Mortgage

Lenders review living expenses home loan application details closely when assessing mortgage affordability, spending patterns and repayment capacity.

Buying With 5% Deposit in 2026: The Ongoing Costs Buyers Still Underestimate

Buying With 5% Deposit in 2026: The Ongoing Costs Buyers Still Underestimate

A 5% deposit home loan can look more accessible in 2026, but buyers still need to budget for LMI, fees, insurance, rates and repairs.