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Free Resources

Home Loan Guides

Plain English guides on buying your first home, investing, refinancing,
government grants, and what a broker actually does for you. Download any of them free.

Choose a guide

Each guide is a short PDF you can read in about ten minutes.

Looking to buy your first home?

What to consider when it comes to getting the right loan.

First Home Buyers Guide

Everything a first home buyer needs to know before borrowing, from saving the deposit to settlement.

What is inside

  • Saving a deposit and how Lenders Mortgage Insurance works
  • Working out what you can genuinely afford
  • The seven main mortgage types explained
  • Buying with family, rent-vesting, and the First Home Owner Grant

Looking to invest in property?

Get smart when it comes to financing your property investment.

Property Investing Guide

How financing an investment property differs from buying a home to live in, and what to weigh up first.

What is inside

  • Capital growth against rental returns
  • Choosing where and what to buy with your head, not your heart
  • Which loan structures suit investors
  • Deductions, negative gearing and capital gains tax in plain terms

Is your home loan still right for you?

Our guide on what to consider when it comes to refinancing.

Refinancing Guide

Australians change home loans every four to five years. This guide covers whether yours still stacks up.

What is inside

  • Why and when refinancing is worth doing
  • Features worth more than a headline rate
  • Refinancing to renovate or unlock equity
  • Every switching cost, from discharge fees to break costs

Why use a broker?

Why using a broker is the smart way to go when it comes to finding the right finance.

Why Use a Broker Guide

What a mortgage broker actually does, and why more than half of Australian borrowers now use one.

What is inside

  • What a mortgage broker is and how they are paid
  • Why going straight to one bank limits your options
  • The best time in the process to bring a broker in
  • What working with us looks like, step by step

First home buyer grants, state by state.

Grants, concessions and low deposit schemes across Australia.

First Home Buyer Grants Guide

What first home buyers can claim in WA, NSW, VIC, QLD, SA, TAS, NT and the ACT, with the current caps.

What is inside

  • First Home Owner Grant amounts and property caps in every state
  • Stamp duty exemption and concession thresholds compared
  • The Australian Government 5% Deposit Scheme and its price caps
  • WA specifics: Home Buyers Assistance and Keystart

Welcome. Our journey starts here.

The key information you need about our finance broking services.

Credit Guide

The disclosure document every borrower should read before working with a broker, including how we are paid.

What is inside

  • Who your broker is and who they are licensed by
  • The lender panel and the products available to you
  • Fees, charges and commissions explained in full
  • How to raise a concern, and our privacy disclosure

Got a question the guide does not answer?

Guides cover the general case. We work with lender policy, your income and your goals. Book a free consultation with Ezy Loans Australia.

About the author

Amrinder Singh is the founder of Ezy Loans Australia and an Australian Credit Representative (number 505232) of Mortgage Australia Group Pty Ltd, Australian Credit Licence 377294. He works with first home buyers, investors and self employed borrowers across Australia, arranging home loans, refinancing, construction finance and asset finance through a broad panel of lenders.

These guides are general information only. They do not take your objectives, financial situation or needs into account, and they are not tax, legal or accounting advice. Please speak with us about your own circumstances before acting, and consult your accountant or solicitor where relevant.

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