The next-home editBuy first or sell first?
The right order depends on your cash flow, timing and ability to carry the unexpected. Start with a changeover plan, not a rule of thumb.
Read the guideTHE FRF READING ROOMGood questions.
Good questions.
Clearer next steps.
Explore home loan options for your profession, income and residency. From medico and emergency-service lending to deposits and guarantees, start with a guide that fits your situation.
What would you like to understand?
FAMILY GUARANTEES & SUPPORTBuying with
Buying with
family support.
Guidance for the person buying and the family member helping. Understand the structure, the responsibilities and the other ways forward.
START HERE
How family guarantees work
Explore how family security can support a purchase and why FRF prefers a limited guarantee where possible.
Read the family guarantee guide → FOR THE FAMILY MEMBER HELPINGBefore becoming a guarantor
Understand limited and unlimited guarantees, property risks, independent advice and the process for release.
Read the guarantor’s guide → COMPARE THE ALTERNATIVESOther ways to support a purchase
Compare a guarantee with a cash gift, family loan and government support, and consider what each means for your family.
Compare your options →MEDICO & HEALTHCARECaring for others.
Caring for others.
Planning for you.
Home loan guides for doctors, allied-health professionals and nurses, with occupation-specific LMI and income considerations.
GUIDE 01
Medico Loans
Understand medico home loan eligibility, lender-specific LMI waivers, hospital overtime and private practice income before choosing your borrowing approach.
Read the guide GUIDE 02Allied Health Loans
See how allied health professions, registration, employment and practice income affect home loan assessment and eligibility for lender-specific LMI waivers.
Read the guide GUIDE 03Nurses Loans
Understand registered nurse LMI waiver criteria, overtime and allowances, casual shifts and the documents that help explain nursing income for a home loan.
Read the guideFRONTLINE & EMERGENCY SERVICESFor the people
For the people
who show up.
Understand possible LMI waivers and how eligible overtime and allowances may be assessed for frontline roles.
GUIDE 04
Paramedic & Ambulance Loans
Explore Australian home loans for paramedics and ambulance officers, including possible LMI waivers, 100% overtime assessment and evidence to prepare.
Read the guide GUIDE 05Police Loans
Understand Australian police home loans, including lender-specific LMI options, overtime and allowance assessment, and evidence for changing duties.
Read the guide GUIDE 06Fire & Emergency Services Loans
Explore home-loan options for Australian firefighters and emergency workers, with clear guidance on overtime, lender-paid LMI and volunteer roles.
Read the guidePROFESSIONAL LMI WAIVERSYour profession.
Your profession.
Your lending options.
Explore professional eligibility, practising certificates, membership requirements and the distinction between staff benefits and LMI waivers.
GUIDE 07
Lawyer Loans
Explore LMI waiver for lawyers eligibility, practising certificates, income evidence and loan costs for Australian solicitors, barristers and partners.
Read the guide GUIDE 08Bank Employee Loans
Explore LMI waiver checks for bank workers, employer-specific staff home loan benefits, income evidence and the costs of refinancing or changing jobs.
Read the guide GUIDE 09Accountant & CFO Loans
Understand accountant LMI waiver criteria, current professional memberships, CFO eligibility and income evidence for Australian home loan applications.
Read the guideWORK & RESIDENCYDifferent circumstances.
Different circumstances.
A considered approach.
Practical guides to casual income and permanent-resident applications, including visa subclass and lender requirements.
GUIDE 10
Casual Worker Loans
Explore home loans for casual workers, including income history, payslips, variable hours, casual loading and a budget that leaves room for quieter weeks.
Read the guide GUIDE 11Permanent Resident Loans
Understand permanent-resident home loans, visa subclass checks, current visa evidence, income and why each borrower needs an individual assessment.
Read the guideSTART WITH YOUR SITUATION
Home loan guides
The options, the conditions and the questions worth asking before you apply.
GUIDE 12
No Deposit Home Loans
Understand no deposit home loans in Australia, family guarantees, government low-deposit support and the costs to plan for before you buy your first home.
Read the guide GUIDE 13Non-Resident Loans
Understand Australian home loans for non-residents, current foreign buyer restrictions, approval requirements and the documents to prepare before buying.
Read the guide GUIDE 14Unusual Employment
Explore home loan preparation for casual, contract and probationary work, multiple jobs and overtime, with practical income evidence and budget checks.
Read the guide GUIDE 15Low Doc Loans
Understand low doc and alt doc home loans for self-employed borrowers, the income evidence still required, and costs to compare before applying.
Read the guide GUIDE 16Waived LMI
Explore how LMI waivers work, which professional criteria lenders may assess and how to compare the full cost of a home loan before choosing a waiver.
Read the guide GUIDE 17Bad Credit Home Loans
Understand home loan options after credit problems, how to get free credit reports and corrections, and when hardship support should come first.
Read the guide GUIDE 18Australian Expat Home Loan
Plan an Australian home loan while living overseas, with guidance on foreign income, citizenship, tax residency, documents and settlement preparation.
Read the guideBUILD YOUR UNDERSTANDINGThe everyday
The everyday
lending essentials.
The next-home edit
The loan reviewIs refinancing actually worth it?
A smaller repayment is not the whole answer. Compare the costs, remaining term and features before deciding whether to move.
Read the guide
Understand the numbersYour equity is not all spendable.
Equity is a useful starting number. It is not a loan approval, and it is not the same as cash available to use.
Read the guideYour first homePre-approval: useful, not unconditional.
Pre-approval can help organise your search. It does not remove the need for property checks, contract advice and final lender approval.
Read the guideEveryday moneyA repayment that leaves room for life.
Affordability is not just the first repayment. Build a household plan that leaves room for ordinary life and the less predictable parts of it.
Read the guideSelf-employed borrowersBusiness owner? Start with the evidence.
A clearer financial story starts with accurate information. Prepare early so deadlines do not become the main driver of your finance decision.
Read the guideA more considered purchaseBefore you fall for the property.
The street, the garden and the extra space can be compelling. The less visible details deserve attention before the contract becomes binding.
Read the guideExplore the numbersUse planning estimates to prepare your questions.See the loan journeyFollow the steps from first questions to ongoing support.Prepare for your conversationSee what to expect and what may be useful to have ready.
Talk through my finance questionBring the question on your mind; we can work through what matters for your circumstances.Phone, video or office appointment. You can start with questions.
Choose a time with Chris ↗