Gifted Loans knowledge base
Articles and insights
Clear, practical explanations for Australian borrowers, property investors and business owners.
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Questions worth understanding before you borrow
These focused articles answer narrower questions and connect to our broader lending guides.
What happens if a bank valuation is lower than the purchase price?Home loans · Understand valuation shortfalls, contributions and lender assessment.Read the article
Should you get home loan pre-approval before an auction?Home loans · Prepare for an unconditional purchase decision.Read the article
Can overtime, bonuses or commission count towards a home loan?Home loans · How variable employment income may be assessed.Read the article
How does parental leave affect a home loan application?Home loans · Plan around changing household income and commitments.Read the article
Can casual employment income be used for a home loan?Home loans · Evidence and lender assessment for casual income.Read the article
What happens between home loan pre-approval and final approval?Home loans · Understand the checks after you select a property.Read the article
How do credit cards affect home loan borrowing capacity?Home loans · Consider limits, liabilities and serviceability.Read the article
How do HECS-HELP debts affect home loan borrowing capacity?Home loans · Understand how repayment obligations may be assessed.Read the article
What happens when your fixed home loan period ends?Refinancing and loan structure · Review rates, features and timing.Read the article
What costs should you consider before refinancing?Refinancing and loan structure · Compare the full cost of changing loans.Read the article
What happens to an offset account when you refinance?Refinancing and loan structure · Plan the move without losing track of payments.Read the article
What is a split home loan and when might borrowers consider one?Refinancing and loan structure · Balance certainty and flexibility.Read the article
Can you use home equity as a deposit for an investment property?Property investment · Consider usable equity, debt and serviceability.Read the article
How do lenders assess rental income for an investment loan?Property investment · Prepare evidence and understand lender adjustments.Read the article
How are commercial properties valued for lending?Commercial finance · Understand income, leases and lending valuations.Read the article
What do lenders look at when assessing a business loan?Business lending · Prepare financial, cash-flow and purpose information.Read the article
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