Home Loans Australia is part of the Financial Services Online network, owned and operated by Clark Family Pty Ltd (A.C.N. 010 281 008). We are dedicated to helping Australians connect with reputable providers of financial, credit, and insurance products and information online.
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This website is owned and operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust), 43 Larch Street, Tallebudgera QLD 4228, A.C.N. 010 281 008.
Clark Family Pty Ltd is an Authorised Credit Representative of Saccasan Pty Ltd (Australian Credit Licence No. 386297) and an Authorised Representative of Unique Group Broker Services (Australian Financial Services Licence No. 509434).
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When it comes to managing finances, one of the biggest stressors for homeowners is their mortgage. In Australia, many individuals and families struggle with mortgage stress, which can have a significant impact on their overall financial well-being. - read more
A mortgage offset account is a financial product that allows homeowners to use their savings to reduce the interest charged on their mortgage. It is a transaction account linked to your mortgage, and the balance in this account is offset against your outstanding mortgage balance when calculating interest charges. - read more
Welcome to our comprehensive guide on navigating the complexities of investment property financing. In Australia, property investment has long been regarded as a favoured strategy for wealth creation and financial security. However, this path comes with its unique set of challenges and risks that must be carefully managed to ensure a successful investment journey. - read more
As a homeowner in Australia, it is essential to stay informed about the current mortgage interest rate and inflation situation. This knowledge is crucial for effective financial planning and making informed decisions regarding your home loan. Understanding the impact of rising interest rates on Australian homeowners is particularly important. - read more
Australia's leading banks—Commonwealth Bank of Australia (CBA), Westpac, National Australia Bank (NAB), and ANZ—are adjusting their mortgage strategies to reduce dependence on mortgage brokers. This move comes as profit margins are squeezed by lower interest rates, rising operational costs, and intensified market competition. - read more
On November 3, 2025, Westpac Banking Corporation announced an agreement to sell its RAMS mortgage portfolio, valued at A$21.4 billion, to a consortium comprising Pepper Money, investment firm KKR, and asset manager PIMCO. The sale is at a slight premium to the gross loan value of the portfolio to be transferred at completion. However, Westpac anticipates incurring a loss on the sale after accounting for transaction costs and other financial adjustments. - read more
Commonwealth Bank of Australia (CBA), the nation's largest bank by market value, reported a slight increase in first-quarter cash profit, driven by strong growth in home loans and household deposits. The bank achieved an unaudited cash profit of approximately A$2.6 billion, a 1% rise from the previous two-quarter average and 2% higher than the same period last year. - read more
In October 2025, Australia's housing market witnessed its most substantial price surge in over two years. This remarkable growth is primarily attributed to recent interest rate cuts implemented by the Reserve Bank of Australia (RBA) and supportive government policies aimed at stimulating the property sector. - read more
In its November 2025 meeting, the Reserve Bank of Australia (RBA) decided to keep the cash rate unchanged at 3.60%. This decision reflects the central bank's cautious approach in light of persistent inflationary pressures and a robust housing market. - read more
