The Em Bee Journal.
Plain-English writing on mortgages, refinancing, investing and new-to-Australia lending, from a broker who’d rather explain it once, properly.
Determine Your Borrowing Capacity
Factors Influencing Borrowing Capacity, Steps to Determine, Improving Your Borrowing Capacity,
Read article
Mortgage Concepts
Are Investors Still Buying Properties or Pressing Pause?
22 Sept 2026
Mortgage Concepts
Understanding the 5% Deposit Scheme and Lenders Mortgage Insurance (LMI)
15 Sept 2026
Mortgage Concepts
Another First Home Buyers' Loan Settled!!!
8 Sept 2026
Mortgage Concepts
Home Loan Application Steps: A Practical Guide - By Col Mool Bhargava, Director Em Bee Finance.
7 Sept 2026
Mortgage Concepts
A Complete Guide to Refinance in Easy Words
Why Refinance?, How a Broker Helps You Find Better Options, Is Refinancing Worth the Effort?
Mortgage Concepts
5% Deposit Scheme in WA : What You Need to Know
Who can use the 5% Deposit Scheme? Tips for Perth buyers using a 5% deposit, Do you pay LMI with the 5% Deposit Scheme?
First Home
First Home Buyer Grant WA: The $10,000 Boost Explained.
What Is the First Home Owner Grant WA? Who Is Eligible in WA? How the $10,000 Fits Into Your Home Buying Plan?
VideoFirst Home
LMI and 5% Deposit Scheme
What are LMI and 5% Deposit Scheme?
VideoMortgage Concepts
Deposit and LVR Explained in Easy Words
Mortgage Concept - LVR and Deposit
Market Updates
Major changes reshaping WA property buying and selling in 2026
Western Australia's property market continues to evolve, with several major announcements in recent weeks aimed at improving housing affordability, increasing housing supply, and encouraging new development.Whether you are a first home buyer, property investor, homeowner, developer, or seller, understanding these changes could help you make better property decisions in the months ahead.Bigger Stamp Duty Savings for First Home BuyersOne of the most significant changes is the expansion of stamp du
Mortgage Concepts
Key Terms in Mortgage Process
Offset AccountWhat it is: A transaction account linked to your home loan. The balance offsets your loan balance when interest is calculated.Pros • Reduces interest payable without locking money away • Funds remain accessible at any time • Can help pay off the loan faster • No tax payable on interest saved (for owner‑occupied homes)Cons • Often comes with higher interest rates or package fees • Mainly available on variable or split loans • Requires discipline to maintain a balanceRedraw FacilityW
Mortgage Concepts
Understanding Home Loans: Your Complete Guide
Navigating the world of home loans can feel overwhelming, especially for first home buyers. With various types of loans, terms, and conditions, it's essential to understand the ins and outs of home financing. This guide aims to demystify home loans, providing you with the knowledge you need to make informed decisions.Home Loans in Western Australia: Your Options ExplainedBuying a home in Western Australia is an exciting milestone, and choosing the right home loan can make a significant differenc
Commercial
Commercial Property Loans: What You Need to Know
Navigating the world of commercial property loans can be daunting. Whether you're a seasoned investor or a first-time buyer, understanding the ins and outs of financing your commercial property is crucial. This guide will provide you with essential information about commercial property loans, including types, requirements, and tips for securing the best financing options.Purchasing Commercial Property in Western Australia: What You Need to KnowInvesting in commercial property in Western Australi
Vehicle & Asset
Quick Tips for Securing Vehicle Loans
Securing a vehicle loan can be a daunting task, especially with the myriad of options available today. Whether you are purchasing your first car or upgrading to a new model, understanding how to navigate the loan process is crucial. This guide will provide you with practical tips to help you secure the best vehicle loan possible.Buying a Car or Commercial Vehicle: What You Need to KnowWhether you’re purchasing a personal vehicle or upgrading to a commercial vehicle for business use, choosing the