RBA Raises Cash Rate to 4.6%: What It Means for Mortgage Holders and Buyers. For the fourth time this year, the Reserve Bank of Australia (RBA) has raised the cash rate, increasing it by 0.25 percentage points to 4.6%. Today’s increase adds further pressure to household budgets already stretched by higher living costs. The decision […]
RBA September Rise Read More »
Spring is traditionally the busiest time of the year in the property world. More sellers tend to list their properties during this season, when gardens are looking their best and pleasant weather makes weekend open homes and moving house easier. Many families also like to purchase in spring so that they can settle into their
Spring listings are returning, but will buyers have more choice? Read More »
It’s been a challenging few months for property investors. Changes to negative gearing and the capital gains tax (CGT) discount have fundamentally shifted the landscape for investors and prompted many to rethink their purchasing plans. From 1 July 2027, negative gearing for residential property investments will be limited to new builds, while the 50 per
Why rental yields are back in focus Read More »
Many homeowners have a rough idea of what their property is worth, but fewer understand how the equity they’ve built up could support future financial goals. Whether you’re considering renovations, upgrading, purchasing an investment property or simply exploring your options, understanding equity can be an important starting point. Let’s take a closer look at how
Understanding equity and how it can unlock value in your home Read More »
Offset account review. Your offset account may help you reduce interest charged, but only if it is linked and working correctly. ASIC is encouraging home loan customers to check their offset accounts after a recent review found weaknesses in how some accounts were set up, monitored and managed. This does not mean your offset is
Offset account review. Read More »
The Federal Government’s negative gearing and Capital Gains Tax (CGT) reforms represents a significant shift in how future property investments will be treated for tax purposes. For investors considering their next purchase, the changes may influence everything from the type of property they buy to how they assess cash flow and long-term returns. Legislated, many
Are property investors changing course after the new negative gearing reforms? Read More »
When you’re planning to buy your first home or investment property, getting your head around all the jargon can feel overwhelming. One term you’re likely to come across is ‘conditional pre-approval’. Many buyers think conditional pre-approval means they’re ready to purchase a property immediately. However, conditional pre-approval is only one step in the lending process.
Home loan pre-approval: What you need to know before house hunting this spring Read More »
You might be earning the same income as you were six months ago, but that doesn’t necessarily mean you can borrow the same amount. Understanding your borrowing capacity is an important step before you start your home-buying journey. Your borrowing capacity is influenced by a range of factors, and it can change over time, even
Has your borrowing power changed? Read More »
Today, the Reserve Bank of Australia (RBA) left the cash rate unchanged at 4.35%, signalling a cautious approach as it continues to assess the path of inflation. While Australia’s annual Consumer Price Index (CPI) slowed in June, underlying inflation remained steady, suggesting price pressures are easing only gradually. At the same time, the property market
RBA holds cash rate August 2026. Read More »
Few decisions have a bigger impact on your financial future than buying a property. Whether it’s your first home, your next home or an investment property, getting the finance right can make a significant difference for years to come. So why are more Australians choosing to work with a mortgage broker when making such an
Why more than 8 in 10 borrowers are choosing mortgage brokers Read More »