Author: Om Financials
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2025 Housing Accord Progress Stalls, Raising Stakes for Buyers and Renters
The Housing Industry Association (HIA) called on the Australian government to recalibrate its housing affordability initiatives, contending that the contours of the National Housing Accord create a trajectory that will not meet the nation’s pressing demand for affordable accommodation. Launched in the preceding year, the Accord commits to the production of 1.2 million new dwellings […]
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Why Borrowing Power Is Changing and What You Can Do About It
Borrowing power, the cornerstone of every aspiring homebuyer’s journey, is in a state of constant flux. Driven by a confluence of economic shifts together with regulatory changes and broader market dynamics, what you could borrow yesterday may be vastly different from what you can borrow today or tomorrow. Furthermore, for many Australians, understanding these changes […]
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Renting vs Buying: Property strategy that could leave Aussies $116,120 better off
For many Australians, the choice between renting and buying a home is a tough one. The decision often feels like a trade-off between lifestyle and financial security. On the downside, in today’s challenging property market, a simple binary choice no longer cuts it. For a growing number of Australians, an alternative strategy known as “rentvesting” […]
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RBA Delivers Third Rate Cut:Big Win for Homebuyers and Investors
The Reserve Bank of Australia has lowered interest rates for the third time this year, bringing the cash rate down by 0.25 percentage points to 3.6 per cent. The new rate means the RBA has cut rates by 0.75 percentage points so far in 2025, the largest reduction since the peak rate cycle ended in […]
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RBA’s Predictions Point to Lower Interest Rates
Financial markets are now pricing an interest rate reduction ahead of the Reserve Bank of Australia’s upcoming monetary meeting on August 11 and 12. Recent macroeconomic statistics, along with the RBA’s revised projections, have provided the foundation for a possible shift in the cash rate trajectory. This could change how buyers and refinancers for consumer […]
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What to Recheck in Your Loan Before Buying Your Second Property
The journey into property investment often begins with a single home, but for many, the ambition extends to building a robust portfolio. While obtaining the initial home is a noteworthy success, on the other hand, delving into second properties, especially investment ones, entails a unique set of financial aspects to consider. However, it introduces complexities […]
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AMP Bank Posts Steady Mortgage Growth Amid Market Pressures
AMP Bank is quietly expanding its business even when the overall housing finance market in Australia is facing pressure here and abroad. During the second quarter of 2025 the Sydney-based bank increased its home lending by 2.8%, pushing its total home loan book to $23.3 billion. While the figure is less dramatic than the larger […]
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Loan Tips Every New Property Investor Should Know
Investing in Australian property is one of the most powerful ways to build long-term wealth, but it is also one of the most complex financial decisions you will make. Securing the right investment property loan in Australia is not just about finding the lowest rate. It is about structuring your finances to maximise returns, minimise […]
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How Negative Gearing Works in 2025 — And Who It Actually Helps
Negative gearing has long been a cornerstone of Australia’s property investment landscape, offering investors the ability to offset property-related losses against their taxable income. While it offers tax advantages to investors, it also sparks debates about housing affordability coupled with economic equity. As we move through 2025, the dynamics surrounding negative gearing are evolving, influenced […]
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Over 60% of Aussies Never Switch Banks And It’s Hurting Their Wallets
A new survey has shown that many Australians are still banking where their parents did, a habit that could be affecting their financial health. The survey, commissioned by the Customer Owned Banking Association (COBA) and executed by Pureprofile in July 2025, probed 1004 Australian adults. The data reveals that 33% had their first bank account […]
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