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Inflation Easing but Not Defeated

Posted on by Laze Spasevski
Inflation Easing, but Rate Certainty Still Shaky
Inflation is easing, but not defeated – which keeps borrowing conditions in play for 2026. ABS data shows headline inflation fell from 3.8% in October to 3.4% in November. That’s progress – but it’s not the clean victory many hoped for mid-2025. Back in June, when inflation dipped to 1.9%, it felt like the Reserve Bank of Australia (RBA) had done its job. Since then, price pressures have...
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Competition Tougher for Affordable Homes

Posted on by Laze Spasevski
Affordable Homes Pull Ahead on Price Growth
If you’re shopping in the ‘affordable homes’ bracket, competition may be getting tougher, not easier. Since the federal government expanded the 5% Deposit Scheme in October 2025, Cotality analysis shows homes under the scheme’s price caps have generally outperformed homes above them. In the December quarter, median prices rose 3.6% under the cap versus 2.4% above the cap. Why would t...
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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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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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Rate Cut Driving Property Price Growth

Posted on by Laze Spasevski
Rate Cut Driving Property Prices Growth
“This February’s rate cut was a clear turning point for driving the growth of property price.” said Cotality research director Tim Lawless – and the numbers back him up. National property prices rose 0.6% in June, marking the fifth consecutive month of growth. Over the past five years, the national median has increased by 44.3%, despite several dips along the way. Mr Lawless said the lat...
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Lenders Offering Low Fixed-Rate Mortgages

Posted on by Laze Spasevski
Lenders Offering Low Fixed-Rate Mortgages
A limited number of lenders are now offering low fixed-rate mortgages whose interest rates start with a ‘4’, although variable rates continue to have a ‘5’ (at least) in front of them. So, are fixed rates about to make a comeback and is now the right time for you to fix your loan? That depends on your personal circumstances and what you anticipate will happen in the future. Here’s what t...
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Borrowers Embrace Refinancing

Posted on by Laze Spasevski
Borrowers Embracing Refinancing
Market commentators are expecting a big jump in refinancing activity in the coming weeks, given that numerous borrowers embrace refinancing their home loans earlier in the year following the previous cash rate cut, in February, by the Reserve Bank of Australia. Equifax, a credit reporting agency, has reported that the number of mortgage applications in the first quarter of 2025 was 5.2% hig...
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Inflation Continues to Ease

Posted on by Laze Spasevski
Inflation Keeps Trending Down
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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How Housing Has Changed Since Covid

Posted on by Laze Spasevski
How prices, rents and rates have changed over the past five years
Five years on from the start of the covid-19 pandemic, the property market is in a very different place, reflecting how housing has changed since covid. When the pandemic started, some banks predicted a crash in property prices. Instead, the national median price fell just 1.7%, before rebounding. By March 2025, the national median was 38.4% higher than in March 2020, according to CoreLogic...
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Rate Gap Highlights Need for Regular Loan Reviews

Posted on by Laze Spasevski
 Rate gap highlights a need for regular loan reviews as results on Finder, a comparison website, shows a gap between the average variable interest rate and lowest variable rate of 1.57 percentage points in early March, while the gap between the average and lowest fixed rate was 1.37 percentage points. It is very important to note that interest rate comparisons are not always equal, and some loa...
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