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Home Loans Articles

Understanding Stamp Duty: What First-Time Buyers in Australia Need to Know
Understanding Stamp Duty: What First-Time Buyers in Australia Need to Know
Welcome to the exciting and sometimes complex world of real estate in Australia! If you are on the cusp of purchasing your first home, you've probably heard about stamp duty. But what exactly is it? Stamp duty is a form of tax imposed by Australian states and territories on property transactions. This tax is usually a percentage of the property purchase price or market value and is a legal requirement for most property sales. - read more
Take Back Control: Mortgage Refinance and Debt Consolidation Tips for Aussie Homeowners
Take Back Control: Mortgage Refinance and Debt Consolidation Tips for Aussie Homeowners
As mortgage interest rates continue to rise in Australia, it's becoming more important than ever for homeowners to take control of their finances. This article will provide valuable tips on mortgage refinance and debt consolidation for Aussie homeowners. With the potential for future rate increases by the Reserve Bank of Australia due to inflation concerns, many homeowners are feeling the financial burden. However, by exploring options like refinancing and consolidating debt, homeowners can regain control of their financial situation. - read more
Understanding Loan Calculators: A Guide For Australian Homebuyers
Understanding Loan Calculators: A Guide For Australian Homebuyers
Welcome to this essential guide designed for Australian homebuyers who aspire to navigate the complex world of property financing. Due to the significant financial commitment involved in purchasing a home, understanding the nuances of mortgage calculations is imperative. Loan calculators are indispensable tools that offer valuable insights into the feasibility of a home loan, tailored to your personal economic circumstances. - read more
First-Time Homebuyer? Don't Fall for These Costly Errors!
First-Time Homebuyer? Don't Fall for These Costly Errors!
Buying your first home can be one of the most thrilling experiences of your life. The excitement of searching for the perfect place, imagining yourself in different spaces, and the opportunity to create a home you can truly call your own can be incredibly rewarding. - read more
Maximizing Your Budget: Smart Saving Strategies for Aspiring Homeowners
Maximizing Your Budget: Smart Saving Strategies for Aspiring Homeowners
Embarking on the journey to homeownership is a quintessential part of the American dream, one that conjures images of stability, accomplishment, and personal sanctuary. Yet, this dream comes with significant financial implications that can often feel daunting to aspiring homeowners. Navigating the landscape of real estate and mortgages requires an understanding of the economic commitment it entails. - read more

Finance News

Investor Home Loans Surge Amid Record Borrowing
Investor Home Loans Surge Amid Record Borrowing
26 Dec 2025: Paige Estritori
In the third quarter of 2025, Australia's property market witnessed a significant shift as investors accounted for two out of every five home loans. Data from the Australian Bureau of Statistics (ABS) revealed that over 57,000 investors borrowed nearly $40 billion during this period, marking a 17.6% increase from the previous quarter. This surge underscores a growing trend of investor dominance in the housing sector. - read more
First Home Buyer Loan Applications Surge by 39.2% in October
First Home Buyer Loan Applications Surge by 39.2% in October
26 Dec 2025: Paige Estritori
October 2025 marked a significant milestone for first-time homebuyers in Australia, with loan applications surging by 39.2%. This remarkable increase is largely attributed to the federal government's expansion of the 5% Deposit Scheme, which has made homeownership more accessible to a broader segment of the population. - read more
Australian Home Prices Experience Sharpest Rise in Over Two Years
Australian Home Prices Experience Sharpest Rise in Over Two Years
26 Dec 2025: Paige Estritori
October 2025 witnessed a significant surge in Australian home prices, with a 1.1% increase—the fastest monthly rise since June 2023. This growth reflects a robust rebound in the housing market, driven by several key factors. - read more
APRA's New Cap on High Debt-to-Income Home Loans: What Borrowers Need to Know
APRA's New Cap on High Debt-to-Income Home Loans: What Borrowers Need to Know
18 Dec 2025: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at mitigating emerging risks in the housing market. Effective February 2026, APRA will impose a cap on high debt-to-income (DTI) home loans, limiting banks to issuing no more than 20% of new home loans with DTI ratios of six times or higher. This measure applies to both owner-occupier and investor loans, excluding new housing developments. - read more
Commonwealth Bank Raises Alarm on Unsustainable Home Loan Demand
Commonwealth Bank Raises Alarm on Unsustainable Home Loan Demand
18 Dec 2025: Paige Estritori
The Commonwealth Bank of Australia (CBA), the nation's largest lender, has recently voiced concerns regarding the escalating demand for home loans, suggesting that this surge may be contributing to unsustainable property price increases. CEO Matt Comyn highlighted that while the bank benefits from the current housing credit boom, a more moderate growth rate would better support long-term financial stability and housing affordability. - read more

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Knowledgebase
Loan-to-Value Ratio (LTV):
A ratio that compares the value of the loan to the market value of the property securing the loan.