Home Loans

Australia’s property market is showing signs of moderation, but it’s not just buyer activity that’s softening. The lending landscape is also tightening as higher interest rates, inflation and recent legislative changes reshape borrowing and investment decisions. For borrowers, this means lenders are becoming more selective, making it more important than

For many homeowners, an offset account is one of the most valuable features attached to their home loan. In fact, around 55 per cent of mortgages now have an offset account, with a record $349.1 billion sitting in offset accounts across the country. It is estimated that Australians are collectively

Borrowers are set for another dose of rate pain this Tuesday, with the overwhelming majority of experts tipping the RBA to lift the cash rate again, according to Finder. In this month’s Finder RBA Cash Rate Survey, 41 experts and economists weighed in on future cash rate moves and other

Applying for a mortgage is a big step, which for many, marks the beginning of homeownership and a long-term financial commitment. While it is exciting, it can also feel overwhelming and it is often coming at a time when there is a lot going on as you prepare for a

When you have a mortgage, choosing between a fixed or variable loan can feel like a big financial decision, especially during a period of rising interest rates. The headlines can create a sense of urgency, but the right decision is less about reacting to the media and more about understanding

Paying off your mortgage early will save you money and take a financial load off your shoulders. Here are some ways to get rid of your mortgage debt faster. Switch to fortnightly payments If you’re currently paying monthly, consider switching to fortnightly repayments. By paying half the monthly amount every

For the first time ever, the Australian banking regulator has announced it will impose new debt-to-income limits on housing loans made by banks. Such limits are a common tool used by regulators in other nations – including the United Kingdom, Ireland, New Zealand and Canada – to cool housing market lending. The aim is

What difference could a lower home loan rate make? Eight times a year the Reserve Bank of Australia (RBA) Monetary Policy Boards meets to decide whether to increase, decrease, or maintain the cash rate. The decision that it makes each time flows through to home loan interest rates. It’s important

Among all the voices analysing the Australian property market, you’ve probably heard many truisms about how to secure a home loan. The real truth is that there are lots of options. We thought it was time to correct some frequent misconceptions we hear from our clients. Hopefully this will help

Buying a home is a huge milestone and usually a pretty exciting one. It is also one of the biggest financial transactions most people will ever make, which unfortunately makes it a prime target for scammers. One scam in particular, known as a property payment redirection scam or settlement scam,