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INSIGHTS & PERSPECTIVES
How Lower Interest Rates Impact Your Mortgage
One of the most immediate benefits of lower interest rates is improved affordability. With reduced monthly repayments, owning a home becomes more accessible for more people. This also means you might be able to consider a higher-priced property or move to a more desirable location without stretching your budget too far.
Mortgage Insights
Jun 62 min read
Home Loan Interest Rate Cut: Unpacking the Reserve Bank's May 2025 Rate Fall
The Reserve Bank of Australia (RBA) has delivered its second cash rate cut this year, reducing the cash rate by 25 basis points from 4.10% to 3.85% per annum. For homeowners, the key question is: will your lender pass on the full interest rate cut to your home loan? The good news is that many lenders have already announced reductions to their variable home loan rates.
Mortgage Insights
May 302 min read
Unlock More Borrowing Power With New HECS-HELP Debt Rules
Recent changes by the Commonwealth Bank of Australia (CBA) to the way it assesses HECS-HELP debt are set to expand borrowing opportunities for Australians managing student debt.
Mortgage Insights
Apr 93 min read
Help To Buy Scheme: How Does the Federal Government’s shared equity scheme work?
The Help to Buy scheme, is an initiative introduced by the Albanese Labor government to assist first-home buyers in Australia.
Mortgage Insights
Mar 254 min read
Interest Rate Reduction: What It Means for Your Home Loan Repayments
The Reserve Bank of Australia (RBA) has reduced the cash rate for the first time since November 2020 and a relief for mortgagees.
Mortgage Insights
Feb 173 min read
Buying a Property with an Existing Tenant When Your Home Loan Is for Owner-Occupier Purposes
Purchasing a property to live in as your primary residence is an exciting milestone, but if the property has an existing tenant, it’s crucia
Mortgage Insights
Jan 13 min read
Are Offset Accounts Really Worth It? A Look at Three Scenarios
For many borrowers, an offset account seems like a no-brainer—a simple way to reduce loan interest just by depositing extra money. The idea
Mortgage Insights
Dec 18, 20244 min read
What Is Lenders Mortgage Insurance (LMI) and How Can You Avoid Paying It?
Lenders Mortgage Insurance (LMI) is a one-time fee charged by lenders when a borrower takes out a home loan exceeds % of property value
Mortgage Insights
Nov 6, 20243 min read
Understanding Loan-to-Value Ratio (LVR)
Securing a home loan involves several key factors, one of the most important being the Loan-to-Value Ratio (LVR).
Mortgage Insights
Oct 16, 20243 min read
What Every Home Buyer Needs To Know About Settlement Delays
Securing a home loan is one of the most significant financial commitments you’ll make, and understanding the intricacies of bank policies is
Mortgage Insights
Sep 13, 20244 min read
How are Property Valuations Important To You? It's Not What You Think.
Property valuations are often discussed in broad terms but the real-world impact of choosing one method over another is seldom addressed
Mortgage Insights
Aug 15, 20245 min read
How to leverage a 10% Deposit Bond to buy a property at auction (with no upfront cash required)
A Flexi Deposit Bond is a pre-approved deposit bond of up to 10% of a home buyer's maximum intended purchase price.
Mortgage Insights
Jun 13, 20241 min read
Federal Budget 2024-2025: Helping Australians Buy Properties
Treasurer Jim Chalmers’ ambitious goal—to build 1.2 million homes over the next five years—sets the stage for the 2024-25 federal budget.
Mortgage Insights
May 17, 20245 min read
Common Debt Reducer In Home Loan Applications
What is Common Debt Reducer in Home Loan Applications
Mortgage Insights
Apr 8, 20242 min read
The Little Known Cladding Trap For Home Buyers
If you are buying a strata title property, ensure that the building has no cladding issue as the banks can refuse to accept the security.
Mortgage Insights
Mar 31, 20242 min read
Foreigners buying real estate properties in Australia
Here is a quick guide to foreigners buying real estate properties in Australia.
Mortgage Insights
Mar 9, 20243 min read
Can Deposit Bonds help me to buy a property faster?
A deposit bond is a financial instrument that serves as an alternative to a cash deposit or a bank guarantee when purchasing property.
Mortgage Insights
Jan 26, 20243 min read
Seven easy steps to improve your Credit Score
By Daniel Walker (Guest Writer) #CreditScore #Equifax #CreditReport In Australia, a good credit score is important to be able to obtain...
Bon Voyage Credit Repair
Jul 10, 20233 min read
Decoding DA vs CDC for NSW Homeowners
When embarking on a new home construction or significant renovation project, understanding the approval process is crucial.
Mortgage Insights
Jul 7, 20234 min read
Understanding Offset Accounts and Redraw Facilities
Two common features of a home loan are offset accounts and redraw facilities. What's the difference between them, and how do they work?
Mortgage Insights
Jul 5, 20233 min read
The articles in Key Insight is general information only and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from financial, legal and taxation advisers. Although every effort has been made to verify the accuracy of the information, we disclaim all liability (except for any liability which by law cannot be excluded), for any error, inaccuracy, or omission from the information or any loss or damage suffered by any person directly or indirectly through relying on this information.
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