Logo
Search
Subscribe
Sign In
Home
Archive
Calculators
Get in Touch
Back to Site
What the fixed rate repricing wave means for borrowers mid-process

Apr 21, 2026

•

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
Why self-employed income is assessed differently — and what that means before you apply

Apr 16, 2026

•

3 min read

Why self-employed income is assessed differently — and what that means before you apply

Self-employed borrowers often assume income level is the issue when an application struggles. In most cases, the real variable is how lenders assess documentation structure — and that varies significantly across lenders.

Josh Stewart
Josh Stewart
What a Pre-Approval Actually Tells You Before You Sign a Contract

Apr 15, 2026

•

3 min read

What a Pre-Approval Actually Tells You Before You Sign a Contract

A pre-approval gives a borrowing figure — but the assumptions behind it can shift. Here's what first home buyers should understand about how pre-approvals work before signing a contract of sale.

Josh Stewart
Josh Stewart
How NSW First Home Buyers Can Stack Government Schemes — and What That Looks Like in Practice

Apr 15, 2026

•

5 min read

How NSW First Home Buyers Can Stack Government Schemes — and What That Looks Like in Practice

NSW first home buyers may be eligible for multiple government schemes simultaneously — including the FHOG, stamp duty exemption, and First Home Guarantee. Here's what that looks like in practice for a $650,000 purchase.

Josh Stewart
Josh Stewart
How lenders calculate usable equity — and why it's less than you think

Apr 15, 2026

•

5 min read

How lenders calculate usable equity — and why it's less than you think

Total equity and usable equity are not the same number. This guide explains how the 80% LVR limit works, how lenders calculate the equity you can actually access, and why serviceability is a separate step that matters just as much.

Josh Stewart
Josh Stewart
Load more

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.
Report abusePrivacy policyTerms of use
beehiivPowered by beehiiv