Empower Money Blog

Find guides on Home Loans and learn practical tips on getting your loans approved!

How Lenders Assess Living Expenses When You Apply for a Mortgage

Lenders review living expenses home loan application details closely when assessing mortgage affordability, spending patterns and repayment capacity.

Buying With 5% Deposit in 2026: The Ongoing Costs Buyers Still Underestimate

A 5% deposit home loan can look more accessible in 2026, but buyers still need to budget for LMI, fees, insurance, rates and repairs.

Fixed, Variable or Split Loan in 2026: What Actually Matters More Than Rate Alone

Compare a fixed vs variable home loan in 2026 and see why flexibility, fees, features and loan structure may matter more than rate alone.

How the 6x Debt to Income Cap Changes Borrowing Power for First Home Buyers

See how a debt to income cap home loan rule can reduce borrowing power for first home buyers and reshape loan limits in Australia's 2026 market.