New lending is rising and investor demand is strong, but tighter debt-to-income limits mean credit remains disciplined under the Australian Prudential Regulation Authority.
With borrowing costs higher after the Reserve Bank of Australia’s latest move and rental markets tight, preparation is key.
Smart investing in 2026 is less about stretching further and more about staying flexible as lending rules and lender policies keep shifting. With borrowing power, rates and strategies varying more than ever, the right loan structure can make all the difference.
With interest costs easing, refinancing surging and new buyer schemes expanding, the lending landscape is shifting fast. This month’s update breaks down what’s changing, and what it could mean for your budget, borrowing power and next property move.
When comparing home loans, you might focus on the headline interest rate, but that number alone doesn’t tell the full story. The comparison rate accounts for both the interest and most of the associated fees, giving you a clearer view of the overall cost.
Australia’s median property price has now increased for seven consecutive months, after rising another 0.7% in August, according to Cotality. Three main factors have been driving this price growth, Cotality said: The three interest rate cuts in 2025 have increased buyers’ borrowing capacity Wages have been rising faster than inflation, further increasing borrowing capacity Demand…
Property investor activity is close to eight-year highs, the latest data from the Australian Bureau of Statistics has confirmed. Investors took out 37.7% of all new home loans in the June quarter, well above the five-year average of 32.7%. PropTrack senior economist Angus Moore said the number of new loans going to investors had increased…
The latest rental data shows different financial trends for renters and property investors, with 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 incomes and potentially…
More than 65 lenders, including the big four banks, have cut their interest rates following the Reserve Bank of Australia’s decision to reduce the cash rate from 4.10% to 3.85%.
With 65% of investors negatively geared in 2024, it’s clear that managing cash flow is crucial. Building a cash buffer, planning for rising costs, and reviewing your loan regularly can help you stay ahead.
Despite crash predictions, property prices have surged 38.4% since 2020, with rents up 37.6%. Interest rates hit a record low before rising to 4.10% by 2025. As the market continues to evolve, making informed decisions is more important than ever.
The Reserve Bank of Australia (RBA) reduced the official interest rate by 25 basis points to 4.10% following its latest monetary policy meeting.
More Australians are turning to property investment, new analysis has revealed. CoreLogic’s head of research, Eliza Owen, found that the number of investors entering the market was exceeding the number exiting, by comparing home loans data with listings data.