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Will Interest Rates Rise Again in 2026? What Borrowers Need to Know
The biggest question for Australian borrowers in 2026: Are interest rates going up again? 1. RBA Began 2026 With a Rate Hike At its February 2026 meeting, the RBA lifted the cash rate from 3.6% to 3.85% in response to stronger‑than‑expected inflation. Impact on homeowners A $600,000 mortgage now costs around $90 extra per month. …
What 2026’s Lending Rule Changes Mean for Your Borrowing Power
Australia’s home‑loan landscape is shifting fast in 2026. New lending rules, tighter bank policies, and regulator‑imposed limits all affect how much clients can borrow — and how mortgage brokers help them navigate the changes. 1. Debt‑to‑Income (DTI) Limits Are Now in Force Beginning 1 February 2026, APRA introduced formal DTI restrictions that limit how many …
From First Home to Forever Home: Planning Your Property Journey
Your property journey rarely ends at the first purchase. As life changes—career moves, family growth, location shifts—your home and loan should evolve too. Stage 1: First home Build good habits: Offset usage, emergency buffers, and repayment cadence. Choose flexible features: Redraw, portability, and fair break costs matter. Plan ahead: Think about future renovations or location …
Why Mortgage Pre-Approval Matters More Than Ever
In a competitive market, speed and certainty are superpowers. A mortgage pre-approval (subject to conditions) gives you clarity on your budget and shows sellers you’re serious. What pre-approval gives you Defined price range: Shop with confidence and avoid overcommitting. Faster negotiation: Sellers and agents prefer buyers who are finance-ready. Smoother settlement: Fewer surprises when your …