Insights - Banh & Co. Capital
The Journal

Plain-English Reads On
Property, Lending And Strategy.

Short, practical articles for Australians navigating their first home, a refinance, or their next investment move. Updated monthly.

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Young couple standing together in their new kitchen Editor's Pick
First Home Buyers 26 March 2026

Why many first home buyers choose to work with a mortgage broker.

77.3% of all new residential lending in the September 2025 quarter was facilitated by mortgage brokers. Here's why first home buyers lean on expert guidance - from understanding their true borrowing power to navigating government schemes, all the way through to settlement.

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Aerial photograph of an Australian regional landscape in winter
Monthly Newsletter 20 July 2026

July Newsletter: A Market Entering A New Phase.

Australia's downturn is deepening, the RBA holds at 4.35%, and clearance rates slip below 50%. The July read, state by state.

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Aerial view of Australian suburban houses and streets
Strategy 20 July 2026

What's Driving The Drop In Auction Clearance Rates?

Clearance rates have fallen below 50% in Sydney and Melbourne. What's behind the drop, and why a cooler market can favour buyers.

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Miniature house model and stacks of coins on a table
Investment 20 July 2026

Planning An Investment Property Renovation? Your Finance Options.

From equity release to a top-up or construction loan, six ways to fund an investment reno without eroding your returns.

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Mortgage broker in conversation with clients in a sunny office
Strategy 20 July 2026

Why More Than 8 In 10 Borrowers Now Choose A Broker.

Broker market share has climbed from 55% to 81% in eight years. Why more Australians want someone in their corner.

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Aerial photograph of an Australian regional landscape in winter
Monthly Newsletter 24 June 2026

June Newsletter: A Softening Market And A Bigger Budget Shift.

Australia's market is cooling, the RBA held at 4.35%, and the May Budget reshapes negative gearing and CGT from July 2027. The June read.

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Young Australian couple in the kitchen of their first home
First Home Buyers 24 June 2026

5 Tips For First-Home Buyers To Kick Off The New Financial Year.

A softer market and an EOFY reset moment. Five practical steps for first home buyers to start the new financial year on the front foot.

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Aerial top-down view of Australian suburban houses
Strategy 24 June 2026

What A Softer Market Means For Buyers.

Auction clearance at a six-year low, vendor discounts widening, EOI campaigns returning. The opportunities a quieter market actually presents.

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Woman reviewing home loan paperwork at a table
Refinancing 24 June 2026

Is Refinancing Still Worth Considering?

With the cash rate on hold, a refinance review is worth running. Loyalty tax, fees, LMI, term resets and the role of offset and redraw.

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Autumn pathway with fallen leaves in an Australian park
Monthly Newsletter 18 May 2026

May Newsletter: Budget Reset, Rate Rises And A Cooling Market.

A Federal Budget that reshapes negative gearing, a third RBA hike to 4.35%, and a property market splitting into two clear speeds.

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Aerial top-down view of Australian suburban houses
Strategy 16 May 2026

Have Property Prices Peaked In 2026?

Cotality shows every capital city slowing in April. Buyer sentiment is at a 50-year low. Here is how to read the 2026 market.

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Miniature house model and stacks of coins on a wooden table
Investment 13 May 2026

Get EOFY Ready As A Property Investor.

30 June is closer than it feels. A practical checklist covering rental review, deductions, depreciation and loan structure before the year closes.

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Woman signing a loan document while a broker looks on
Strategy 10 May 2026

Self-Employed Home Loans: Options You Might Not Know About.

Getting a home loan when you are self-employed is not out of reach. Full doc vs alt doc, and what 6-12 months ABN history can unlock.

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A broker sitting with a client at a desk
Strategy 18 April 2026

Buying before you sell? Bridging loans explained.

How a bridging loan closes the gap between transactions, when it helps, and what lenders assess before approving one.

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Close-up photo of a monitor displaying a graph
Monthly Newsletter 16 April 2026

April Newsletter: rates, Perth's 7.3% surge, and a diverging market.

Inflation easing, a possible 4.10% cash rate, and two very different property stories across Australia. Here's what's shaping the lending landscape this autumn.

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A woman relaxing in her new investment apartment
Investment 15 April 2026

Why investors are focusing on rental income in 2026.

With the market diverging, more investors are shifting focus from capital growth to rental yield. Here's what 'good' yield looks like in 2026 - and where it's found.

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A calculator next to a laptop on a desk
Refinancing 8 April 2026

Offset or redraw: things to consider as rates rise.

Both can reduce the interest you pay - but they behave very differently when you need access, or hold investment debt. A plain-English comparison.

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Two men in conversation in a sunny office
Strategy 25 March 2026

Things you should ask a broker in 2026.

Five questions worth asking as the 2026 lending market shifts - from fixed vs. variable to equity you may not realise you have.

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Aerial photograph of a rural Australian landscape
Investment 24 March 2026

3 tips to navigate the risks and rewards of interstate investing.

Borderless investing opens new opportunities - and new risks. Three reasons investors are looking across state lines, and what to weigh before buying.

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A woman sitting at a table with lots of paperwork
Refinancing 20 March 2026

What happens when you refinance your home loan?

640,000+ Australians refinanced last year - a 20% jump. Here's what refinancing actually involves, reasons people do it, and the six-step process.

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Autumn pathway in a park with fallen leaves
Monthly Newsletter 14 March 2026

March Newsletter: the autumn market and what it means for you.

Quieter competition, motivated sellers, and a fresh RBA call. Here's what's happening with interest rates and dwelling values this March.

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