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Buying Your First Home — The Book for First Home Buyers Who Want to Actually Understand the Process

Sep 6, 2026

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1 min read

Buying Your First Home — The Book for First Home Buyers Who Want to Actually Understand the Process

A calm, clear guide to buying your first home in Australia. 17 chapters covering borrowing, deposits, loans, offers, and settlement. Now on Amazon.

Josh Stewart
Josh Stewart
Two Investors, One Cut-Off Date: What the Negative Gearing Change Does to a Purchase

Aug 31, 2026

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3 min read

Two Investors, One Cut-Off Date: What the Negative Gearing Change Does to a Purchase

The negative gearing reform is now law. A case study of two investors either side of the 12 May 2026 cut-off, what changes in cash flow, and how it flows through to serviceability.

Josh Stewart
Josh Stewart
Three Months of Falling Values in Newcastle: What Actually Changes for Owners

Aug 30, 2026

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3 min read

Three Months of Falling Values in Newcastle: What Actually Changes for Owners

Newcastle Home Values Fall Again: What It Means for Your Loan

Josh Stewart
Josh Stewart
Offset and Redraw: How to Actually Use Them to Pay Less Interest

Apr 28, 2026

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3 min read

Offset and Redraw: How to Actually Use Them to Pay Less Interest

Offset and redraw accounts can save Australian borrowers tens of thousands in interest over the life of a loan — but only when set up and used properly. Here's what actually matters.

Josh Stewart
Josh Stewart
What the fixed rate repricing wave means for borrowers mid-process

Apr 21, 2026

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3 min read

What the fixed rate repricing wave means for borrowers mid-process

Fixed rates have moved significantly since early April 2025, with over 38 lenders repricing upward. Here's what that shift means for borrowers working from an earlier quote — and why the assessment rate at application is what matters.

Josh Stewart
Josh Stewart
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Lending Notes

Practical notes from Value Lending on how lending decisions are made, how loans are assessed, and what to expect as conditions change.

© 2026 Value Lending.
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