Finance News from Home Loans Australia

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Finance News

APRA Implements Cap on High DTI Home Loans to Address Housing Market Concerns

02 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

Australian Home Prices Continue Upward Trend Amidst Affordability Challenges

02 Dec 2025: Paige Estritori

In November 2025, Australia's housing market experienced a 1% month-on-month increase in home prices, bringing the national median value to A$888,941. This follows a 1.1% rise in October, indicating a persistent upward trend in property values. The growth was particularly pronounced in mid-sized state capitals, with Perth leading at a 2.4% increase. Sydney and Melbourne saw more modest gains of 0.5% and 0.3%, respectively. - read more

Analysts Predict Continued Growth in Australian Home Prices Through 2026

02 Dec 2025: Paige Estritori

Recent analyses indicate that Australian home prices are expected to rise by approximately 6.9% in 2026, an upward revision from earlier projections of 5.6%. This forecast follows an anticipated 8% increase in 2025, highlighting a sustained upward trajectory in property values. The primary drivers behind this growth include limited housing supply and resilient demand, particularly in major cities such as Sydney, Melbourne, Brisbane, Adelaide, and Perth. - read more

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Home Loans Articles

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

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

Understanding Mortgage Insurance: A Guide for Australian Homebuyers

Buying a home is a significant milestone for many Australians, but it often involves securing a mortgage, which can be a complex process. An essential part of this process is understanding mortgage insurance. Mortgage insurance is a type of insurance policy that protects lenders from the risk of defaulting borrowers. - read more

Home Loan Refinancing: What You Need to Know

Welcome to our comprehensive guide on home loan refinancing. Whether you're a first-time homeowner or a seasoned property investor, understanding the ins and outs of refinancing can save you a significant amount of money and anxiety. - read more

Simple Steps to Boost Your Home Deposit Savings

Welcome to our guide on simple steps to boost your home deposit savings! We’re thrilled to have you here as you embark on the exciting journey towards home ownership. Whether you're a first-time homebuyer or looking to upsize, saving for a home deposit is a crucial step. - read more

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Knowledgebase

Liquidity:
The ease with which an asset or security can be converted into cash without affecting its market price.

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