Home Loan Serviceability • Borrowing Power • APRA Why Banks Assess Your Home Loan at a Rate You’re Not Actually Paying Your home loan rate might be 6%. Yet the bank could assess your borrowing power as though the rate were around 9%. That does not mean the bank thinks you are about to start […]
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Falling Property Prices • Home Equity • Refinancing Falling Property Prices: What They Actually Mean for Your Home Loan Australian property prices are falling again, with Sydney and Melbourne leading the recent declines. But a lower property value does not mean the same thing for every homeowner. If you are staying put and comfortably paying
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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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Australian Mortgages • August 2026 • Home Loan Market Home loan applications are falling. But what exactly did the banks expect? Home loan applications are falling sharply across Australia, with the country’s major banks reporting significant declines in new mortgage applications. NAB is down around 15%, CBA around 15%, ANZ around 12% and Westpac around
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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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Refinancing • Home Loan Rates • Existing Borrowers Your Bank May Have Cut Home Loan Rates — But Did Your Rate Change? Australian lenders are competing hard for new home loan customers. Yet many loyal borrowers are still paying their old rate while sharper home loan refinance rates are reserved for the next customer walking
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