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So what’s best? Historically, outside the COVID era extremes, the answer is nuanced: meaning it’s not black and white! Variable rate borrowers have often done better on average over the long term, HOWEVER only if they stay disciplined and rates didn’t spike unexpectedly. This isn’t a black and white tale of one rate type dominating the other. It’s more like a chess match where strategy, timing and a dash of economic luck decide the winner. According to RBA cash rate histori

As you would know, fixed rate loans lock your interest for a set term (1, 2, 3, 4 or 5 years), so lenders have to price in the cost of wholesale funding and future RBA moves at the time you sign. If lenders think inflation or economic growth will push the cash rate higher later in the year, they lift fixed rates now to protect their margins. In recent weeks, over 50 lenders have increased fixed rates, with some of the big banks lifting 3 year fixed products by up to 0.7 perce

HOW THE 5% DEPOSIT GUARANTEE AND EXPANDED SHARED EQUITY PROGRAMS WORK The Australian government’s new 5% deposit guarantee and expanded shared equity programs are game changers for aspiring first home buyers, aiming to lower the entry barriers to homeownership amid soaring property prices. These high-leverage initiatives enable buyers to grab a foothold in the market with significantly reduced upfront cash. HOWEVER they come with trade offs that are attracting growing scruti

Property investors have rarely been busier – or more heavily geared. In the September 2025 quarter, investors made up roughly two in every five new home loans, even as first home buyer activity fell away and house prices continued to surge across much of Australia. The Australian Bureau of Statistics confirmed in December that investor lending reached record levels, intensifying pressure on the Albanese government to rein in landlord credit and consider tougher settings for b

Refinancing is often touted as a pathway to saving thousands over the life of your mortgage, unlocking equity or securing more suitable features. Refinancing your home loan can deliver substantial savings and improved flexibility, but only if you avoid some common pitfalls that trip up Australian borrowers every year. Yet many Australians end up paying more or missing better opportunities by falling into avoidable traps. Here’s how to make sure your switch delivers real benef

HOW TO PREPARE YOUR FINANCES TO BE MARKET READY AND STOP WAITING FOR THE PERFECT MOMENT Preparing your finances to obtain a loan is the crucial first step to buying property. Many hold back, hoping for the perfect time, but finance approval readiness is about taking practical steps now. This article will help you understand how to organise your finances so that when the right property comes along, you’re ready to act - without waiting for a mythical perfect moment. Jumping in

There’s always a group of buyers who talk about ‘waiting for the right time’ to enter the property market. They watch, they research, they monitor… but often they never buy. The reality is simple - there is no perfect time. You have most likely heard the phrase… ‘It’s not about timing the market it’s about time in the market.’ Too often, people hold back because they’re chasing what feels like a bargain. The flaw? Truly great properties rarely, if ever, sell at bargain prices

The Australian property market in 2025 presents opportunities but also several risks that investors and homeowners should carefully consider. Understanding these challenges and how to mitigate them can help protect your investment and financial wellbeing. Policy changes and rental reforms Several states have introduced or are introducing rental reforms aimed at creating fairer tenancy laws. For example, from May 2025, New South Wales ended ‘no grounds’ evictions, requiring la

Over the past 5 to 10 years, Australian homeowners have seen remarkable growth in residential property prices.

The number of cash rate cuts that the Reserve Bank of Australia (RBA) may deliver in 2025 is uncertain, with major banks estimating anywhere between two and five.

As we are heading into anticipated cash rate cuts by the RBA this year, it’s crucial to understand how this change may affect your mortgage and finance position.

The Australian property market in 2025 presents a unique landscape for both buyers and sellers.

DON’T GET CAUGHT THIS YEAR AND LOSE 15% OF YOUR PROPERTY SALE PRICE! Yes – there are new tax rules for property sales as of 1 January...

One of the great reasons to use our finance services to help with your refinance is because we do this daily as part of our role.

This year is definitely flying by. We are already into the second quarter of the year and the property market is still very buoyant....

There are many considerations to contemplate when it comes time to upgrade or downgrade to a new home. While usually exciting, it can be...

All lenders have a formula for assessing your capacity to service a loan. Any loan. It is important to lenders that the loan can be...

It has been suggested it could take a person nine years to save for a deposit on a home in capital cities and just over seven years in...

Do you ever find yourself dissatisfied with your current financial situation? Have you ever stopped to contemplate how you can improve your financial well-being? If thoughts like this cross your mind…

What do we do now? When our clients (let’s call them David and Trish) were contemplating selling their home, they started looking around...