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Home Loans Articles

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

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

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

The Insider’s Guide to Reducing Mortgage Stress and Staying on Track

Mortgage stress is a common concern among homeowners worldwide, with the potential to cause significant financial and emotional strain. It often occurs when mortgage repayments consume a large portion of your income, leaving little room for other expenses and causing anxiety over financial security. The impact of not managing this stress can be far-reaching, affecting not only one's financial health but also overall wellbeing. - 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

Finance News

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

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

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

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

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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Knowledgebase

Debt Consolidation:
Taking advantage of lower interest rates that may be available by the grouping of multiple loans into one, lower interest rate loan.

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