finance Archives · Australian Loans Group

Businesses Remain Profitable Despite Pressures

Posted on 22/05/202507/05/2025 by Laze Spasevski

“Most businesses remain profitable, despite the ongoing pressures,” the Reserve Bank of Australia (RBA) has reported in its latest Financial Stability Review. "Most large and small businesses’ profit margins are around the level recorded over the 2010s. However, our measure for small businesses is only available up to the September quarter of 2024. Additionally, the surveys suggest these bu...
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Investors to Manage Negative Cash Flow

Posted on 20/05/202501/05/2025 by Laze Spasevski

Surveys show that property investors confirm investing can be a fantastic way to build long-term wealth, but they need to prepare and learn to manage periods of negative cash flow, especially in the early years. The Property Investment Professionals of Australia (PIPA) found that 65% of investors they surveyed were negatively geared in 2024, up from 57% in 2023. PIPA chair Nicola McDouga...
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Inflation Continues to Ease

Posted on 15/05/202514/05/2025 by Laze Spasevski

The latest inflation data, recorded before the USA announced its recent series of tariffs, show that inflation continues to ease, increasing the likelihood of future interest rate cuts. The Australian Bureau of Statistics reported that the annual headline inflation rate declined from 2.5% in January to 2.4% in February, marking the seventh consecutive month it remained within the Reserve Ba...
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RBA Reveals Positive Mortgage Data

Posted on 06/05/202524/04/2025 by Laze Spasevski

The Reserve Bank of Australia (RBA) reveals that “there is positive mortgage data for a vast majority of borrowers. That means, borrowers would remain able to service their debt under a range of plausible economic scenarios”, according to the central bank's latest Financial Stability Review. Crucially, about 97% of borrowers have positive cash flow, which means they’re able to meet their mo...
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Banks Are Offering LMI Waivers

Posted on 22/04/202504/04/2025 by Laze Spasevski

Banks Offering Special Deals To Certain Professions

Good news if you’re an essential worker! Some banks are offering LMI waivers to professions such as police officers, teachers, firefighters, nurses, midwives and paramedics. Lender’s mortgage insurance, or LMI, is an insurance premium you generally get charged when you provide a deposit of less than 20%. For example, if you were a first home buyer and wanted to buy a $600,000 property with ...
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Commercial Sales Set To Rebound

Posted on 14/11/202327/10/2023 by Laze Spasevski

Commercial sales are set to rebound as transaction activity in the Australian commercial property market appears to be trending up. However, sales activity in 2023 will almost certainly be well down on last year's results. There were $29.2 billion of sales in the office, logistics & industrial, and retail sectors during 2022, according to JLL. Which is considerably higher comp...
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Tax Deadline Nears

Posted on 10/11/202325/10/2023 by Laze Spasevski

As the tax deadline nears, the Australian Taxation Office (ATO) has reminded taxpayers to lodge their taxes. You may lodge through myGov or engage with a registered tax agent by the October 31 deadline to avoid late lodgment penalties. If you have simple tax affairs, you can lodge online, often in under 30 minutes, through the myGov portal. Most of the information you need will already be p...
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Housing slowdown – Nearing Its End

Posted on 21/04/202321/04/2023 by Laze Spasevski

The housing slowdown may be nearing its end, according to new statistics from CoreLogic. While Australia’s median property price fell 0.1% during February, values then rose in some markets in the four weeks to March 15: Sydney – up 0.8% Melbourne – up 0.2% Perth – up 0.1% Brisbane – unchanged Adelaide – down 0.4% That said, it’s too early to call the bottom of the ma...
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Rise In Construction Costs Slowing Down

Posted on 13/02/202313/02/2023 by Laze Spasevski

Construction costs continue to rise sharply, but the worst is behind us as it appears to be slowing down. Residential construction costs rose 11.9% during 2022, after climbing 7.3% in 2021, according to CoreLogic’s Cordell Construction Cost Index (CCCI). The 2022 result was the largest annual increase on record, apart from the period impacted by the introduction of the GST. However, t...
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SMEs Optimistic About the Future

Posted on 26/01/202324/01/2023 by Laze Spasevski

SMEs are cautiously optimistic about the future, according to the Australian Banking Association's Small and Medium Enterprises Lending Report. The report, which surveyed businesses throughout the country, found an increase in the average value of loans in the year to July: Small business loans rose from $2.9 million to $3.4 million Medium business loans rose from $12.7 million to $...
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