Author: Om Financials
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A New World for Brokers where Adapting is not a Mere Option
A New World for Brokers: Why Adapting Isn’t Optional Anymore If you’ve been following the news lately, you’ll have seen the comments from the Finance Brokers Association of Australia (FBAA) about the incoming ban on SMSF residential lending. From 10 August 2026, new residential SMSF lending and LRBAs are effectively ending, while some refinancing and […]
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EOFY Home Loan Review 2026: What Borrowers Should Check
EOFY Home Loan Review: What Borrowers Should Check Before The New Financial Year An EOFY home loan review can help borrowers check whether their current rate, loan features and overall structure still suit their needs before the new financial year. This financial year closes with a different lending backdrop. Rates have moved, lender policies have […]
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SMSF Property Borrowing Changes 2026: What Investors Should Know Before Using an LRBA
SMSF property borrowing changes in 2026 may affect investors considering a new residential LRBA, while existing arrangements and commercial property strategies may be treated differently. On 23 June 2026, the Government announced a proposal, following an agreement with the Greens, to restrict self-managed super funds from entering new limited recourse borrowing arrangements for residential property, […]
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Housing Market Cooling: What It Means for Buyers
Buying in a Cooling Market: Why Preparation Matters More Than Ever If you’ve been watching the property headlines lately, you’ve probably noticed the mood has shifted. The latest data from Cotality confirms what a lot of buyers and sellers have already been feeling on the ground: the housing market downturn is deepening, and demand is […]
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Auction Clearance Rates Hit 6-Year Low
The Property Market Is Slowing. Here’s Why Finance Preparation Matters More Than Ever Something significant happened in Australia’s property market last weekend. Auction clearance rates across the combined capital cities fell to 47%, the lowest result since April 2020, right at the start of COVID. In Sydney alone, 166 auctions were withdrawn before they even […]
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Rental Supply Is Shrinking: What It Means for Property Investors
Rental Supply Is Shrinking, And That’s Creating a Real Window for Property Investors Something significant is happening in Australia’s rental market right now. And if you’re thinking about property investment, or you already hold investment property, this is worth understanding clearly. New data from Ray White’s Neoval and property analytics firm FoundIt shows that rental […]
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The Housing Market Is Shifting: What It Means for Your Home Loan in 2026
The Housing Market Is Shifting, Here’s What It Means for Your Loan Australia’s housing market is going through a noticeable change right now. It’s not a crash. But it’s definitely not the same market it was 12 months ago, and if you’re thinking about buying, investing, or refinancing, it’s worth understanding what’s actually going on […]
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Should You Stay With Your Current Lender or Refinance in 2026?
Should You Stay With Your Current Lender or Refinance? Your lender has had your business for years. You’ve made every repayment on time. You haven’t asked for anything. And in return, your lender has quietly kept you on a rate that no longer reflects what’s available in the market. This is not a conspiracy; it […]
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Are First Home Buyers Losing Borrowing Power Again in 2026?
In early 2025, first home buyers across Australia caught a break. The RBA cut rates three times in February, May, and August, bringing the cash rate down to 3.60%, and borrowing capacity recovered meaningfully from its 2023 lows. The market responded. First home buyer activity picked up. Pre-approvals improved. The deposit-to-entry timeline looked achievable for […]
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Should You Fix Your Home Loan Rate or Stay Variable in 2026?
Should You Fix Your Loan Now or Stay Flexible? It is May 2026; the RBA cash rate sits at 4.35% after three consecutive hikes, and borrowers across Australia are asking the same question: Should I lock in a fixed home loan rates now or stay on variable and absorb whatever comes next? It sounds like […]
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