Finance News from Home Loans Australia

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Finance News

First Home Buyer Loan Applications Surge Following Government's 5% Deposit Scheme Expansion

12 Feb 2026: 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

Investor Home Loans Surge Amid Record Borrowing in Australian Property Market

12 Feb 2026: 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

Australian Banks Raise Fixed Home Loan Rates in Anticipation of RBA Decision

04 Feb 2026: Paige Estritori

In the lead-up to the Reserve Bank of Australia's (RBA) first monetary policy meeting of 2026, major Australian banks have proactively increased their fixed home loan interest rates. This preemptive move reflects expectations of a potential cash rate hike by the RBA, aiming to curb persistent inflationary pressures. - read more

APRA Imposes New Cap on High Debt-to-Income Home Loans

04 Feb 2026: Paige Estritori

The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at enhancing financial stability within the housing market. Effective February 1, 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. - read more

Australian Mortgage Market Reaches Record High Amidst Surging Property Prices

04 Feb 2026: Paige Estritori

In November 2025, Australia's mortgage market achieved a new milestone, with the total value of residential mortgages reaching $2.41 trillion. This record-breaking figure reflects a 0.67% increase from the previous month and a 6.36% rise over the past year, as reported by the Australian Prudential Regulation Authority (APRA). - read more

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Home Loans Articles

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

Avoiding Common Pitfalls: How to Streamline Your Home Loan Pre-approval

Stepping into the realm of homeownership begins with a critical financial milestone: securing home loan pre-approval. This inaugural step paves the way for homebuyers to gain a clear understanding of their borrowing capacity, directly influencing their purchasing decisions. In Australia, where the real estate market teems with competitive energy, effective navigation through the pre-approval process offers a competitive edge. - read more

Mastering Your Finances: A Guide to Preparing for Home Ownership in Australia

Embarking on the journey to home ownership in Australia is both exciting and daunting. The housing market here is unique, with its own set of challenges and opportunities to navigate. Understanding the intricacies of this market is crucial as you begin your home ownership adventure. This means keeping an eye on property prices, interest rates, and evolving regulations that might impact your purchasing power. - read more

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

Creating a Personalized Savings Plan for Your Home Deposit

Buying a home is one of the most significant financial commitments you will make in your lifetime. Without a solid savings plan, you may find it challenging to gather the necessary funds for a home deposit. This can delay your home-buying journey and add unnecessary stress to an already high-stakes process. - read more

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Finance News from Home Loans Australia

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