Home Loan Rates 2026 • Refinancing • Bank Competition Your Bank Raised Your Rate — So Why Are Lenders Cutting Rates for New Customers? Home loan rates in 2026 are doing something that looks completely backwards. Existing borrowers have absorbed the RBA rate rises, yet lenders are also cutting selected rates to attract new customers. […]
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Mortgage Prison • Refinancing • Home Loans Mortgage Prison: Why You Can Afford Your Home Loan but Still Can’t Refinance You are paying your mortgage. A cheaper home loan exists. Yet when you try to refinance, the new lender says no. It sounds ridiculous, but it can happen. The term mortgage prison describes borrowers who
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First Home Buyers • Housing Market • August 2026 First Home Buyers in 2026: Are Investors Finally Stepping Back? Something interesting is happening in Australian home lending. Mortgage activity has slowed, investor borrowing has fallen sharply, and first home buyers are proving more resilient than many expected. In Victoria, the change is even more noticeable.
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RBA Update • August 2026 • Home Loans The RBA hit pause — but it hasn’t hit reverse. On 11 August 2026, the RBA cash rate was left unchanged at 4.35%. For mortgage holders, that’s certainly better news than another increase. But borrowers shouldn’t mistake a pause for the end of Australia’s interest-rate cycle. Inflation
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Property Investment • Negative Gearing • Tax Reform Negative gearing is changing: what Australian property investors need to know before 2027 Australia has changed the rules around negative gearing and capital gains tax, with the main property reforms due to take effect from 1 July 2027. The headlines can make it sound as though negative
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First Home Buyers • 5% Deposit Scheme • Liberty Financial Liberty has joined the 5% Deposit Scheme — but does that mean bad credit is accepted? Liberty Financial has become the first non-bank lender to join the Australian Government 5% Deposit Scheme, giving eligible buyers another potential path into the property market. However, the announcement
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Australian Inflation • Interest Rates • Home Loans Australia’s inflation rate has fallen to 3.8% — what could happen next? Australia’s annual inflation rate eased to 3.8% in June 2026, down from 4.0% in May and 4.6% in March. For mortgage holders, that is a welcome change in direction after renewed inflation pressure pushed the
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SMSF Property • Superannuation Changes • Investment Strategy SMSF changes from July 2026: what property investors need to reconsider Several important superannuation changes commenced on 1 July 2026, including new tax rules for people with larger super balances and the introduction of payday super. For SMSF property investors, the changes make it even more important
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Property Investment • Tax Changes • Investor Cash Flow Negative gearing changes in Australia: what property investors need to know Australia has introduced major changes to the tax treatment of residential property losses. From 1 July 2027, many investors who buy an established property after the Government’s cutoff can no longer use that property’s net
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