Category: Home Loans

The Reserve Bank of Australia has kept the cash rate on hold at 4.35% at its meeting today, 11 August 2026. After three rate rises earlier this year, that will come as welcome news for households across the country. But the RBA was careful to leave the door open to further increases — so it pays to understand what today’s decision really means for your mortgage. What the RBA Said in Plain English The decision to hold was unanimous, but the message was cautious rather than reassuring. Inflation is still too high. The RBA does not expect it to return… Read more

If you took out a home loan or commercial property loan more than two or three years ago and have not reviewed it since, there is a real chance you are overpaying every single month — and you may not even know it. The lending market in Australia has shifted significantly. Lenders are competing hard for business. Products have changed. And the gap between what loyal, existing customers pay and what a new borrower can get today is often substantial. Here is how to spot if you are trapped — and what you can do about it. The Loyalty Tax… Read more

Federal Budget 2026–27: What It Means for Home Buyers, Investors and Mortgage Borrowers The latest Federal Budget includes some major housing and tax changes that could affect first home buyers, property investors, homeowners and people looking to refinance. The biggest housing announcements are aimed at making it easier for first home buyers to enter the market and encouraging more investment into new housing supply. The Government says its negative gearing and capital gains tax changes are estimated to support an additional 75,000 homeowners over the decade. (Australian Government Budget) For the average borrower, the message is simple: The Budget may… Read more

RBA Hikes Rates to 4.35%: What It Means for You The Reserve Bank of Australia (RBA) has increased the cash rate by 0.25% to 4.35% following its May board meeting. This decision reflects growing concerns that inflation may remain “higher for longer” than previously anticipated. For homeowners and property buyers, this move signals continued pressure on mortgage interest rates. Why the RBA Raised Rates 1. Inflation is Proving Sticky While inflation eased after its 2022 peak, it began climbing again in the second half of 2025. Several factors are driving this: Stronger economic demand and capacity pressures. Rising fuel prices… Read more

  The Reserve Bank of Australia (RBA) has increased the cash rate by 0.25% to 4.10%, following its latest board meeting. The decision reflects concerns that inflation may remain higher for longer than previously expected. For homeowners and property buyers, this decision signals the potential for continued pressure on mortgage interest rates. Why the RBA Raised Rates 1. Inflation Has Started Rising Again Although inflation fell significantly after peaking in 2022, it increased again during the second half of 2025. Several factors contributed to this: Stronger economic demand than expected Ongoing capacity pressures in the economy Rising fuel prices due… Read more