Mortgage Tips & Home Loan Advice for Australians
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Is Refinancing Still Worth It in 2026? | Australia Guide
A Practical Australian Guide to Refinance Decisions Refinancing a home loan has never been just about chasing the lowest interest rate. It is a decision that involves costs, loan structure, lender rules, and your personal plans. In 2026, many Australian borrowers are reviewing loans taken out in a very different…
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Why are fixed rates still rising? And when might they drop again?
With plenty of pundits tipping interest rates will start to fall in the next 12 months, we look at why the big banks are hiking their fixed rates – and unpack what it means for the rate outlook. The past few months have seen interest rates on fixed home loans deliver more ups and downs…
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Where homeowners are spending $1 billion a month
Australians are showering their homes with $1 billion worth of love each month as home improvement spending ramps up. We look at the cost of popular renovations – and how to foot the bill. Belts may be tightening but not, it seems, for renovators. The latest figures from the ABS show Australians spent a whopping $1,044 million…
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Could apartment living help you dive into the property market sooner?
Buying a home for the first time can be challenging, especially with house prices soaring in recent years. So could switching from house hunting to unit searching be the way forward for you? There’s no denying that getting into the property market in today’s economic climate ain’t easy. The average Australian house price is now $725,000 –…
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Mortgage holders breathe a sigh of relief as RBA puts cash rate on hold
Phew! The Reserve Bank of Australia (RBA) has today decided to put the official cash rate on hold. So is the end of this rate hike cycle finally in sight? The decision to keep the official cash rate at 4.10% will be welcomed by homeowners around the country after monthly repayments increased by about $1,135…
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Breaking out of mortgage prison: can easing serviceability buffers help?
Have you been keen to refinance but told you can’t? You’re not alone. Many Australian households are currently locked into their home loans due to rising interest rates. But some banks have recently started to lower their serviceability thresholds. As interest rates have climbed, Australians have refinanced in unprecedented numbers. In fact, a record high of…
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How do I borrow money when buying a property in a Trust?
How do I borrow money when buying a property in a Trust? Borrowing money to purchase investment properties in a trust is more complicated than a traditional home purchase, but obtaining finance for your trust purchase is still possible. Finding a mortgage broker specialising in trust lending is the first step in making this process…
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Homebuying intentions climb as Aussies untie themselves from rental crunch
Despite the soaring cost of living and successive interest rate hikes, homebuying intentions have climbed, latest data shows. So why are so many people still chasing the great Australian dream? And what can you do to make your own dream a reality? Despite a flurry of rate rises, new data this month shows homeownership is…
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The Ultimate Guide to Construction Loans in Australia
Are you looking to build your dream home or undertake a major renovation project? If so, then a construction loan could be the answer. Navigating the world of construction loans can be overwhelming and confusing. That’s why we’ve put together this ultimate guide to construction loans for what you need to know before taking the…
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First home buyers grant benefits and are you eligible?
Are you a first-home buyer looking to purchase your first property in Victoria? Congratulations, you’re about to begin a very exciting journey! Buying your first home is a significant milestone in life but can also be overwhelming. With so many questions and uncertainties, it’s essential to be well-informed before taking the plunge. One of the…
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Why Using a Mortgage Broker Is the Best Way to Save Time and Money on Your Home Loan
How a Mortgage Broker Can Save You Time and Money on Your Home Loan Are you overwhelmed with the process of finding a home loan that suits your financial needs? Do you find yourself spending hours researching lenders and comparing rates, only to feel more confused than ever before? It’s time to consider using a…
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Mortgage serviceability: how to jump through the hoops
Mortgage serviceability can feel like a frustrating hurdle to clear. But it’s an important safeguard against borrowing too much, particularly in the current interest rate landscape. It’s in the best interests of all parties involved if your mortgage is chugging along with regular repayments being made. Borrowing an amount you don’t have a hope in…
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RBA attempts to beat back inflation with another rate hike, up to 4.10%
Drumroll … The RBA has hiked the official cash rate for the 12th time since April 2022, increasing it to 4.10%. How much will this increase your monthly repayments? And how long does Philip Lowe plan to keep marching to this beat? Another month, another 25 basis point cash rate rise. It’s now apparent the…
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