Market Updates

Following three cash rate cuts so far this year, the lending and borrowing environment in Australia has changed drastically. As a result, more and more borrowers are breaking out of ‘mortgage prison’ and refinancing their home loans to more competitive options. If you’ve been trapped with the same lender for some time, you may be able to break free and find a more suitable home loan elsewhere. What is mortgage prison? While there are no barred windows, high walls or guard tow

Global events can feel distant from everyday decisions like buying a home or reviewing a mortgage. However, international uncertainty, including geopolitical conflict and economic volatility, continues to influence Australia’s lending and property landscape in subtle but important ways. Understanding these connections can help borrowers make more confident, informed choices. Interest Rates and Inflation Don’t Exist in a Vacuum Global instability has contributed to higher ener

With interest rates rising, many borrowers are taking the time to review their home loan arrangements. A review of your loan structure may assist in managing repayments, subject to your individual circumstances. Offset accounts and redraw facilities are features offered on some home loans. When used appropriately, they may help reduce the interest payable and overall loan costs, depending on individual circumstances. Offset accounts An offset account is a transaction or savin

Property investors may be motivated by different goals. With changing market conditions and some areas seeing slower price growth, some investors may be placing greater focus on rental yield and cash flow rather than capital growth alone. This shift may influence both property selection and financing decisions. If you’re considering investing in property, here’s what to know about rental yields and why they matter. What is rental yield? Rental yield is the annual rent generat

Understanding the Current Market Landscape With autumn now underway, many prospective buyers may feel like turning over a new leaf with a home or investment property purchase. This time of year can present unique opportunities. There is often less competition compared to the busy spring market. Additionally, some sellers may be more motivated to secure a sale before winter. This situation may create more favorable conditions for negotiation. As interest rates and property mar

Why It’s Costing Us Time, Money — and Driving Property Prices Higher by Mark Daniels New research based on ABS and Census data, combined with congestion modelling by iSelect, reveals how much time Australians are losing in traffic across the nation’s 11 largest cities. The Real Cost of Traffic — and How It Shapes Property Demand Traffic isn’t just frustrating — it’s expensive. New research shows the average Australian driver now loses 2 days and 11 hours every year sitting