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Home Loans Australia Articles

Home Loans Australia recommends the following articles which we hope you find of interest.

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Home Loans Articles

How Lenders Assess Home Loan Eligibility and Borrowing Capacity in Australia
How Lenders Assess Home Loan Eligibility and Borrowing Capacity in Australia
Australian lenders assess home loan eligibility by looking at your income, expenses, debts, credit history, deposit, property security and ability to repay if circumstances change. This guide explains how borrowing capacity and pre-approval are assessed, what documents lenders usually request, and how to prepare before applying. - read more
What to Know About Home Loan Pre-Approval for First-Time Buyers
What to Know About Home Loan Pre-Approval for First-Time Buyers
Welcome first-time home buyers! Embarking on the journey to purchase your first home can be both exciting and overwhelming. One of the crucial steps in this process is understanding and obtaining home loan pre-approval. - read more
First Home Buyer Grants, Concessions and Schemes in Australia
First Home Buyer Grants, Concessions and Schemes in Australia
First home buyers in Australia may be able to access grants, transfer duty concessions, low-deposit guarantees, super-based savings support or shared equity programs. This guide explains how the main forms of government assistance differ, the eligibility factors that commonly apply, and how to factor them into your home loan planning. - read more
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

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.



Finance News

Borrowers Recheck Their Home Loans as Refinancing Lifts
Borrowers Recheck Their Home Loans as Refinancing Lifts
05 Aug 2026: Paige Estritori
Australia’s mortgage market appears to be moving into a more active phase, with the latest lending indicators pointing to renewed borrower engagement after months of caution. Rather than waiting passively for clearer interest rate direction, many households seem to be testing whether their existing home loan still stacks up against current market offers. - read more
Rate Relief May Be Coming, But Borrowers Face a Longer Wait
Rate Relief May Be Coming, But Borrowers Face a Longer Wait
22 Jul 2026: Paige Estritori
Australian mortgage holders have been given a cautious glimpse of future relief, with Westpac shifting its long-range interest rate forecast and bringing its expected timing for cuts forward to August 2027. That move means all four major banks now broadly expect borrowers to see lower rates from next year, rather than waiting until 2028. - read more
Australians Turn Tax Refunds Into Home Loan Breathing Room
Australians Turn Tax Refunds Into Home Loan Breathing Room
15 Jul 2026: Paige Estritori
Tax time is shaping up less like a spending season and more like a reset moment for Australian households. Fresh reporting based on Finder research suggests many people expecting a 2026 tax refund are planning to bank the money, pay bills or reduce debt rather than spend it on discretionary purchases. - read more
Mortgage Rate Competition Heats Up for Australian Borrowers
Mortgage Rate Competition Heats Up for Australian Borrowers
08 Jul 2026: Paige Estritori
Australian mortgage competition has taken a notable turn, with a growing group of lenders trimming selected home loan rates even after the Reserve Bank of Australia’s May cash rate increase. According to recent market reporting, 18 lenders have reduced at least some variable mortgage rates, while AMP Bank has made one of the sharper fixed-rate moves, cutting selected fixed rates by up to 0.50 percentage points. - read more
Property Price Falls Give Buyers a Timely Reality Check
Property Price Falls Give Buyers a Timely Reality Check
01 Jul 2026: Paige Estritori
Australia’s housing market has shifted into a more cautious phase, with the latest PropTrack Home Price Index showing national values declined for a third consecutive month in June. The fall was broad-based, with every capital city except Darwin recording softer prices, although national values remain close to recent record highs. - read more

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