The Reserve Bank has the cash rate in a holding pattern, and several of the big banks have scaled back their predictions of another cash rate cut in 2025. Here’s what it could mean for your home loan. It looks like the rate cut party may have come to an end – for 2025 at least. After leaving rates on hold in September, the Reserve Bank of Australia (RBA) is taking a wait-and-see approach, taking the time to gauge how the earlier rate cuts in February, May and August are flowing through the economy. The RBA’s strategy, coupled with a return to higher inflation

Nicole Kidman and Keith Urban are making headlines, having reportedly called time on their 19-year marriage. If you’re also facing a relationship break-up, it’s important to know where you stand on practical issues, such as how to hold onto the family home, if that’s your goal. While Keith and Nicole are likely to have a multi-million dollar property portfolio to divvy up, most Australians have just one family home. That doesn’t necessarily make matters less complicated, especially as our home tends to be the jewel in the crown of household assets. Some couples choose to sell their home, pay off

Switching to a new home loan might sound like a hassle. But new research shows brokers don’t just make refinancing easier, they can also help home owners secure a lower interest rate – and much more. A string of rate cuts this year has helped drive a sizeable uptick in the number of Australians refinancing their home or investment loan. The June quarter saw a 24% jump in the number of home owners refinancing to a new lender compared to the same quarter last year, according to the ABS. And the number of investment loans refinanced rose by 15%. Switching to a

The clock is ticking towards the festive season, and home buyers still have a small window of opportunity to be settled in their new place by Christmas Day. The good news is that a broker can help you get there. A quick visit to the supermarket shows that shelves are already stocked with festive fare (believe it or not!). It’s a sure sign Christmas is getting closer. Just 14 weeks away, in fact. As it can usually take anywhere from four to 12 weeks to settle on a new home, time is of the essence for home buyers hoping to

If you’re like most first home buyers, you’ve probably realised by now that saving up for a 20% deposit can be a real slog. But what if we told you that you now only need a 5% deposit? And better yet, you could already have that amount ready to go now. Saving up a deposit to buy a first home can be the equivalent of running a financial marathon. It takes around 5.6 years for the average Australian family to save a 20% deposit, according to PropTrack (and potentially even longer, depending on where you want to buy). But here’s the rub.

Spring is traditionally the peak season for property, and three rate cuts this year could further fuel buyer competition. Check out five steps that can give you a valuable head start this spring. The combination of warmer weather, blooming gardens and the chance for buyers to be settled in their new home by Christmas makes spring one of the most popular periods for home buyers. This spring is set to be no different. Some experts are even predicting that the August rate cut could ignite the spring property market and intensify buyer competition. Here’s how you could give yourself a competitive advantage