property + lending

Property is confusing.
It does not have to be.

Banks and brokers use jargon that makes property feel out of reach. These guides cut through all of that. Plain language, real numbers, no agenda. Just the information you actually need to understand your options.

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A note from Clara. I spent almost a decade working in banking and mortgage lending. I have seen what people do not know cost them — sometimes tens of thousands of dollars. These guides exist because everyone deserves access to the same information the banks already have.

the guides

coming soon

how a guarantor loan actually works

your parents can help you buy without giving you cash. here is how it works and what it means for them

coming soon

gifted equity — what it is and how to use it

if your parents own property, they may be able to help you more than you realise — without selling anything

coming soon

every first home buyer scheme in Australia — explained simply

there is more help available than most people know about. here is the full list and who actually qualifies

coming soon

offset accounts explained — and why yours might not be working properly

most people with an offset account are not using it correctly. here is what it actually does and how to make it work for you

coming soon

refinancing basics — when it makes sense and when it does not

refinancing is not always the right move. here is how to work out if the numbers actually stack up for you

coming soon

rentvesting — the strategy that lets you own property without living in it

if you cannot afford to buy where you want to live, this might be your way in

coming soon

buying property with a partner — what you need to know before you sign anything

the conversation nobody has until it is too late. here is what joint ownership actually means and how to protect yourself

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