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When it comes to securing a home loan, many people assume the best place to start is with their current bank. It’s familiar, it feels straightforward, and it often seems like the path of least resistance. But familiarity doesn’t always equal value. In fact, the difference between going directly to a bank and working with an experienced mortgage broker could significantly impact your financial outcome - not just in the short term, but over the life of your loan. At BID Capital

There’s been a lot of noise lately about the Home Guarantee Scheme updates, especially the expanded eligibility criteria as of 1 October 2025. Most brokers are quick to post the headline: “Buy with just a 5% deposit!” But here’s the reality: just because you qualify doesn’t mean you can afford to buy . At BID Capital, we support the intent of the scheme - helping more Australians access the property market - but we also believe in full transparency. And that means highlightin