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borrowing capacity

Investors Claim Biggest Lending Share Since 2016

Posted on by Laze Spasevski
Investors Claim Biggest Lending Share Since 2016
Investors claim the biggest lending share since 2016 as more investors are stepping back into the market. This data shows that it’s a big shift. The latest figures from the Australian Bureau of Statistics show the value of investor loan commitments jumped 17.6% in the September 2025 quarter, and was 18.7% higher than a year earlier. Investors now account for 40.6% of the value of all new...
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New Lending Caps: Impact on Borrowers

Posted on by Laze Spasevski
How new lending caps could change your budget
An impending change could reduce how much some borrowers can borrow – but the impact will vary widely between authorised deposit-taking institutions (ADIs) that issue home loans. From 1 February 2026, ADIs must ensure no more than 20% of their new home loans go to borrowers whose loan size is six times their income or more. For context, that would mean a loan of more than $600,000 for someo...
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Homes Taking Slightly Longer to Sell

Posted on by Laze Spasevski
Homes selling slower, prices holding firm
Selling conditions in Australia’s housing market have shifted slightly, with homes taking slightly longer to sell. However, sellers are still achieving strong results. New data from Cotality shows that the median time to sell a home by private treaty rose to 30 days in the September quarter, up from 27 days a year earlier. A longer selling time typically signals a dip in buyer urgency. Howe...
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Australians Find Better Value in Building

Posted on by Laze Spasevski
Home Construction Rises as Conditions Improve
With established property prices climbing, more Australians find better value in building. This is reflected in new data from the Housing Industry Association (HIA), which shows new home sales rose 25.9% in September and 4.0% over the quarter. HIA chief economist Tim Reardon said lower interest rates, government incentives and rising property prices have made building comparatively more aff...
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Home Loan Refinance Has Surged

Posted on by Laze Spasevski
Home Loan Refinance Has Surged
Hom Loan refinance has surged as an enormous number of Australians have been refinancing their home loans this year. In the June 2025 quarter, the number of mortgages that were refinanced with external lenders was 0.8% higher than the March 2025 quarter and a striking 20.9% higher than June 2024, according to the Australian Bureau of Statistics.   This surge in refinancing coinc...
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RBA Cautiously Optimistic on Inflation

Posted on by Laze Spasevski
RBA Cautiously Optimistic on Inflation
Why the RBA is cautiously optimistic on inflation comes down to recent data showing Australia’s cost-of-living pressures have eased further, with inflation continuing to cool. This gives the central bank reason to be hopeful, while still remaining careful in its outlook. The Australian Bureau of Statistics reported headline inflation at 2.1% in annual terms – the lowest rate since 2021 and ...
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Rate Cut Increased Borrowing Power

Posted on by Laze Spasevski
Rate Cut Increased Borrowing Power
The decision by the Reserve Bank of Australia to cut the cash rate earlier this month means the average person's borrowing power has increased. Not only that, it has also lowered the repayments of most borrowers. With rates now lower, lenders are starting to adjust their serviceability buffers. That shift means borrowers can show they can afford more on paper, effectively lifting their borr...
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New Guidelines Supporting Customers with Financial Hardship

Posted on by Laze Spasevski
New Guidelines Supporting Customer with Financial Hardship
Australia’s banks have strengthened their commitment to supporting customers experiencing financial hardship, with new industry guidelines aimed at making assistance more compassionate and easier to access. The updated guidelines, which was released by the Australian Banking Association (ABA), outline best practice for how banks should assist customers who are under pressure. These could ei...
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How to Approach Rate Cuts

Posted on by Laze Spasevski
How to Approach Rate Cuts
Some lenders have already started trimming their home loan rates and homeowners want to know how to approach these rate cuts in order to take advantage of lower rates without compromising loan flexibility. That’s because not all lenders are moving in sync. Some are dropping rates early to stay competitive and attract new customers – which means loans that once had very sharp rates may no lo...
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Rental Growth Continues

Posted on by Laze Spasevski
Rental Growth Continues
The latest rental data shows different financial trends for renters and property investors, as rental growth continues and opportunities emerging on both sides. After rising steadily since 2021, rents climbed another 4.2% over the year to June 12, according to SQM Research, contributing to ever-higher living costs for tenants. Conversely, property investors are benefiting from higher inc...
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