Resources
The PRF Blog
Plain-English guides, market insights, and lending tips from our team.
Self-Employed Home Loans: What You Need to Know in 2026
Being self-employed doesn't have to mean missing out on a home loan. Here's exactly what lenders look for, what documents you need, and how to put yourself in the strongest position to get approved.
Offset Accounts vs Redraw: What's the Difference and Which One Should You Use?
Two of the most misunderstood features in home lending - offset accounts and redraw facilities can both save you money, but they work very differently. Here's what you need to know.
Building vs Buying in 2026: Which Makes More Financial Sense?
With construction costs still elevated and the property market staying competitive, the build vs buy decision is more complex than ever. Here's how to think through it financially before you commit.
How HECS Debt Affects Your Home Loan Borrowing Power
Millions of Australians carry a HECS-HELP debt into their home buying years. Most don't realise how significantly it affects what they can borrow - and what they can do about it.
What Rising Interest Rates Mean for Your Home Loan
Interest rate rises make headlines. But what do they actually mean for your mortgage, your repayments and your long-term financial position? Here is what you need to know.
How to Use Equity to Build Wealth Through Property
If you already own property, you may be sitting on one of the most powerful financial tools available to you - equity. Understanding how to access and use it correctly can be the difference between owning one property and building a portfolio.
Rentvesting in 2026 - Is It Right for You?
Owning a home while renting where you actually want to live sounds counterintuitive. But for a growing number of Australians, rentvesting is becoming one of the smartest ways to get into the property market without compromising on lifestyle.
5 Signs It's Time to Refinance Your Home Loan
Sticking with your original home loan could be costing you thousands. Here are five clear signs that it's time to review your mortgage - and what to do about it.
The Truth About Defence Home Loans: What Most Brokers Won't Tell You
ADF members face unique challenges when applying for home loans - and most brokers simply don't understand them. As veteran-owned brokers, here's what we see on the ground.
First Home Guarantee Explained: How to Buy With a 5% Deposit
The Australian Government's First Home Guarantee lets eligible buyers purchase a home with just a 5% deposit - without paying Lenders Mortgage Insurance. Here's everything you need to know.
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