Home Loans Australia Articles

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Home Loans Articles

The Investor's Toolkit: Managing Risks in Investment Property Financing

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

First-Home Finders: How to Choose a Mortgage Broker Who Works for You

Embarking on the journey to homeownership can feel like navigating uncharted waters, with mortgage brokers often serving as the compass guiding you through the complexities of home financing. For many first-time home buyers, understanding the role of a mortgage broker can provide peace of mind and valuable support throughout the home-buying process. - read more

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

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

Exploring Different Refinancing Strategies to Ease Your Mortgage Stress

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

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Finance News

RBA Weighs Additional Rate Cuts in Response to Inflation Trends

23 Oct 2025: Paige Estritori

The Reserve Bank of Australia (RBA) is currently assessing the necessity for further interest rate reductions in light of ongoing inflationary pressures and a surge in consumer spending. RBA Governor Michele Bullock highlighted that rising costs in home construction and market services suggest that inflation may have exceeded expectations in the third quarter of 2025. - read more

Expanded First Home Guarantee Scheme Poised to Elevate Housing Demand

23 Oct 2025: Paige Estritori

As of October 1, 2025, the Australian government's expanded First Home Guarantee scheme has come into effect, introducing significant changes designed to make homeownership more accessible for first-time buyers. Key modifications include the removal of income caps, increased property price limits, and the elimination of restrictions on the number of guarantees available. - read more

Investor Lending Hits Multi-Year Highs Driven by Rate Cuts and Rental Demand

23 Oct 2025: Paige Estritori

Recent data indicates a significant uptick in property investor activity within the Australian housing market. The number of new investor loans has risen substantially over the past two years, with investors now accounting for 38% of all new loans written for property purchases in the three months leading up to June 2025. This equates to nearly 50,000 loans valued at approximately $33 billion. - read more

RBA Holds Cash Rate Steady at 3.60%, Emphasizes Data-Driven Policy

15 Oct 2025: Paige Estritori

The Reserve Bank of Australia (RBA) has decided to maintain the cash rate at 3.60% during its September 2025 policy meeting. This decision follows three rate cuts earlier in the year and reflects the central bank's cautious approach in response to persistent inflation in the services sector and stable employment levels. - read more

Commonwealth Bank Achieves Record A$10.25 Billion Profit on Lending Surge

15 Oct 2025: Paige Estritori

The Commonwealth Bank of Australia (CBA) has announced a record full-year cash profit of A$10.25 billion for the fiscal year ending June 30, 2025. This milestone reflects a 4.2% increase from the previous year's profit of A$9.84 billion and surpasses analyst expectations. - read more

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