Money Brain research: what we checked, and when
The lender rules, scheme details and market figures on this site come from a lender's own policy, a government page or a regulator, and each carries the date we checked it. Darren's own worked examples and the calculators' results aren't listed here. This page lists what we've checked, by subject, and links to the pages where it's used.
What we've checked, by subject
| Subject | Where it comes from | Checked | Where you'll find it |
|---|---|---|---|
| Which lenders waive LMI, for which professions | Each lender's own policy | 1 October 2026 | LMI waiver; Doctors; Dentists; Vets |
| What LMI costs | One lender's published premium rates | 1 October 2026 | LMI waiver |
| How lenders test what you can borrow | APRA (the banking regulator) | 29 September 2026 | How much can I borrow |
| Australian property values | Australian Bureau of Statistics | 29 September 2026 | Three portfolios |
| Help to Buy | The government's scheme page | 2 October 2026 | Help to Buy |
| First Home Super Saver | Australian Taxation Office | 2 October 2026 | First Home Super Saver |
| The 5% Deposit Scheme | The government's scheme page | 29 September 2026 | First Home Guarantee |
| First home grants and stamp duty, by state | Each state's revenue office | On each state's page | First home buyer grants |
| Defence Home Ownership Assistance | The scheme's own site | 2 October 2026 | Defence force home loans |
How we check a figure
The original source only.
A lender's own policy, a government page, a regulator or the Australian Bureau of Statistics. Never another broker's summary, and never a paid property data seller.
A date on every figure.
Each page says when its figures were checked. Lender policies and government schemes change without notice, so a figure without a date isn't worth much.
What we couldn't check, we say.
If a source couldn't be read, or a lender's policy doesn't answer a question, the page says so rather than guessing.
The lender's words, not ours.
We don't make a lender's policy sound firmer than the lender does.
Found something out of date?
Lenders and governments change their rules often. If a figure on this site has changed since the date shown, tell us. We'll check the source again, correct the page and change its date.
Want the research applied to you?
Tell me what you earn, what you've saved, your job and what you're looking to buy. I'll tell you which of these rules and schemes apply to you, and what that means for your loan.
You'll hear back within the hour in business hours, and by 9am the next business day after hours.
Updated 2 October 2026