The festive season is here — filled with celebrations, family, and yes, spending. While Christmas is a time to enjoy yourself, it can also create financial habits that impact your ability to secure a home loan in the new year.

A common question we get around this time of year is whether Christmas shopping and festive spending will affect your borrowing power.

A new home-loan option from a major bank is making headlines — allowing eligible buyers to purchase with just a 10% deposit and no Lenders Mortgage Insurance (LMI).

When you’re preparing to apply for a home loan, it’s normal to focus on the obvious factors: your income, savings, and property price range. But there’s one element that often flies under the radar — your credit card limit.

When you’re choosing a home loan, you’ll often hear about offset accounts and redraw accounts. Both can help you save on interest and pay off your loan faster — but they work in different ways.

At WestGen Finance, we often get asked: “How much do I actually need to earn to afford a home like that?”

If you’re planning to buy a home soon, your borrowing power will play a huge role in what you can afford — and how confident you feel heading into the property market.

If you’re planning to build your own home, knock down and rebuild, or take on a major renovation, chances are you’ll need a construction loan rather than a standard home loan. But what exactly is a construction loan — and who is it designed for?

When it comes to managing your home loan, small habits can make a big impact — both positive and negative. Let’s break down which tips that you frequently see online are truly effective (and which ones might need a rethink).

Building your first home is exciting — but it can also be full of surprises. If you’re building you first home, here are three things that you might what to know to save you some stress and money too.

The Western Australian property market is already hot and likely to heat up. According to the latest data, the number of houses listed for sale has dropped to a record low — creating a classic case of high demand and low supply.

There's huge news for first home buyers with the proposed changes to the First Home Guarantee Scheme and Labor’s recent announcement to fast track the start date of these changes to 1 October 2025.

From 20 August 2025, Keystart are making further adjustments to their property price limits across metro and regional Western Australia.

With interest rates shifting and the property market constantly evolving, now is the perfect time to reassess whether your current home loan is still the best fit for you.

Here’s why Perth is drawing increased attention from property investors, and which suburbs are showing the most potential.

Managing multiple debts—such as credit cards, personal loans, and car loans—can become both stressful and financially draining. Debt consolidation is a away to streamline your debts to better manage your finances.

The Reserve Bank of Australia (RBA) has once again opted to hold the official cash rate steady, leaving many borrowers and homeowners wondering: what’s next?

Whether you’ve set your sights on buying your first home, upgrading your current place, or starting your investment journey — now is a great time to get your finances in order and plan ahead.

When it comes to growing your business, investing in commercial property, or refinancing an existing loan, the right finance solution can be the key to unlocking your next opportunity.

As mortgage brokers, we’re in your corner when it comes to finance — but we also care deeply about how you buy.

And in today’s competitive market, one of the smartest moves you can make is bringing a buyer’s agent onto your team.