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Australia’s interest-only lending landscape has shifted into its most consequential phase since APRA’s 2017 macroprudential crackdown. The 2020-21 vintage of…

The Reserve Bank of Australia’s cash rate, held at 4.35% since November 2023, has shifted the arithmetic of holding a home. Variable-rate repayments on a $75…

Understand how Australian banks calculate bridging loan serviceability when you're carrying two mortgages. We break down assessment methods, income treatment, and the numbers lenders actually use in 2026.

With the Reserve Bank of Australia holding the cash rate at 4.35% through its September 2024 meeting and a federal election due by May 2025, the tax treatmen…

A deposit of 10% written on a contract in 2021 often landed in a trust account while the borrower’s pre-approval was anchored to a cash rate of 0.10%. Today…

At its March 2025 meeting, the Reserve Bank of Australia held the cash rate at 4.35 per cent for the fifteenth consecutive board meeting, keeping variable mo…

First-home buyers entering the Australian housing market in 2025 face a deposit hurdle that has grown taller rather than shrinking, despite the Reserve Bank…

The RBA held the cash rate at 4.35 percent in May 2024, and forward-market pricing suggests at least one more cut won’t materialise until early 2025. For fir…

For a first‑home buyer in Sydney’s western suburbs, a $10,000 grant can read like a rounding error against a median dwelling price still hovering near $1.1 m…

The Victorian property market has entered a phase of structural adjustment that sharpens the financial arithmetic for first home buyers. Melbourne’s median d…

Single-parent households in Australia face a housing affordability equation that has become more unforgiving in the past 12 months. Even as the Family Home G…

First home buyers entering the property market in 2025 face an uncommon set of constraints. The Australian Prudential Regulation Authority has kept its resid…