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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

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

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

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

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

Finance News

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

03 May 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 from 1 February 2026, APRA will impose a cap limiting banks to issuing no more than 20% of new home loans to borrowers with a debt-to-income (DTI) ratio of six times or higher. This measure is designed to curb the rise in high-risk lending practices and mitigate potential vulnerabilities in the financial system. - read more

Australian Banks Respond to RBA's Interest Rate Increase

03 May 2026: Paige Estritori

In response to the Reserve Bank of Australia's (RBA) recent decision to raise the official cash rate by 0.25 percentage points to 3.85%, Australia's major banks have announced corresponding increases in their home loan variable interest rates. This move marks the first cash rate hike in two years and reflects the central bank's efforts to address rising inflation and economic growth concerns. - read more

Impact of the 5% Deposit Scheme on Housing Affordability

03 May 2026: Paige Estritori

The Real Estate Institute of Australia's (REIA) latest Housing Affordability Report indicates a decline in housing affordability during the December 2025 quarter. This trend is largely attributed to the federal government's expansion of the 5% Deposit Scheme, which has significantly increased participation among first-home buyers. - read more

Sharp Increase in Mortgage Arrears Amid Economic Pressures

25 Apr 2026: Paige Estritori

Recent data from Fitch Ratings indicates a sharper-than-usual rise in Australian mortgage arrears during the first quarter of 2025. Conforming mortgage arrears (30+ days) increased by 23 basis points to 1.36%, while non-conforming arrears rose by 39 basis points to 5.32%. This escalation is nearly three times the typical seasonal rise, which averages around 8 basis points in Q1. - read more

Australian Banks Raise Fixed Home Loan Rates in April 2026

17 Apr 2026: Paige Estritori

In April 2026, Australia's major banks implemented significant increases in fixed home loan interest rates. Westpac led the adjustments with a 0.45 percentage point rise, bringing its one-year fixed rate to 6.24%. ANZ followed with a 0.40 percentage point increase, setting its one-year fixed rate at 6.34%. Commonwealth Bank and NAB also raised their fixed rates by 0.30 percentage points each. - read more

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