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Finance News

Australian Mortgage Market Reaches Record $2.41 Trillion Amid Rising Property Prices Australian Mortgage Market Reaches Record $2.41 Trillion Amid Rising Property Prices
11 Jan 2026: Paige Estritori

In November 2025, Australia's residential mortgage market achieved a new milestone, with authorised deposit-taking institutions (ADIs) collectively holding $2.41 trillion in home loans. This represents a 0.67% increase over the month and a 6.36% rise over the preceding year, as reported by the Australian Prudential Regulation Authority (APRA). - read more
APRA Implements Cap on High Debt-to-Income Home Loans to Safeguard Financial Stability APRA Implements Cap on High Debt-to-Income Home Loans to Safeguard Financial Stability
11 Jan 2026: 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 Hit Record Highs in December 2025 Australian Home Prices Hit Record Highs in December 2025
11 Jan 2026: Paige Estritori

In December 2025, Australia's housing market reached a new peak, with the national median home price climbing to $880,000, reflecting an 8.8% increase compared to the previous year. This growth was driven by varying performances across different regions, with regional areas outperforming capital cities. - read more
Australian Home Loans Hit Record High as Investor Activity Soars Australian Home Loans Hit Record High as Investor Activity Soars
03 Jan 2026: Paige Estritori

In the third quarter of 2025, the Australian mortgage market experienced unprecedented growth, with new home loans totaling $191.1 billion. This marks an $8.3 billion increase from the previous quarter, setting a new record in the housing finance sector. - read more
Major Banks Raise Fixed Mortgage Rates After RBA Holds Cash Rate Major Banks Raise Fixed Mortgage Rates After RBA Holds Cash Rate
03 Jan 2026: Paige Estritori

Following the Reserve Bank of Australia's (RBA) decision to maintain the cash rate at 3.60%, major banks have adjusted their fixed mortgage rates. Westpac has increased its fixed home loan rates by up to 35 basis points, with the lowest standard fixed rate now at 5.79% per annum. This marks a significant rise from 5.54% earlier in the week and 5.19% in early November. - read more
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Home Loans Articles

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
How to Leverage the First Home Owner Grant in Your Home Buying Journey
How to Leverage the First Home Owner Grant in Your Home Buying Journey
Welcome to the pathway of becoming a homeowner in Australia! If you're a first-time buyer, there's a good chance you've heard of something called the First Home Owner Grant (FHOG). It's a pivotal element in the home buying conversation, and for good reason. Navigating through real estate jargon and financial assistance programs can be confusing, but understanding the FHOG can significantly impact your purchasing power and overall experience in acquiring your dream home. - read more
Unlocking the Hidden Value of Your Mortgage Offset Account
Unlocking the Hidden Value of Your Mortgage Offset Account
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
Understanding Mortgage Insurance: A Guide for Australian Homebuyers
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
Simple Steps to Boost Your Home Deposit Savings
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
Credit Default Swap (CDS):
A financial derivative or contract that allows an investor to "swap" or offset their credit risk with that of another investor.