Empower Money Blog

Learn how to address a valuation shortfall when your deposit is low or nonexistent, with tips to navigate lender requirements and secure a home loan.

Explore the no deposit home loan mortgage effect and how it compares with a 20% deposit, including impact on repayments, interest, and long-term costs.

Get a practical refinance timeline for home loans, including valuations, discharge authority, settlement day and the key checks to make at each step.

Learn when it makes sense to refinance your home loan in Australia, how big the rate gap should be and when waiting will save you more in the long run.