Author: Om Financials
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Using Equity to Buy Investment Property: A Practical Guide
Buying a second investment property is something most Australians cannot afford to think of doing, particularly with property values up and lending regulations tightening. Many investors benefit from speaking with a Home Loan Broker Australia who understands equity structuring, lending policy changes, and long-term portfolio planning — not just the next purchase.Equity when used well […]
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Australia’s Housing Crunch in 2026: Prices, Rents and Loans
Australia’s Housing Crunch: Prices Up, Rents Tight and What It Means for You Australia’s housing market remains under pressure. Recent data from NAB’s new Housing Monitor shows capital-city home prices jumped about 8.2% in 2025, lifting the national median price to roughly $900,000. Even rental markets are stretched: advertised rents rose about 5.9% (annualised) late […]
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Your Home Loan Review Checklist for 2026
In 2025’s Australian real estate market, it is imperative to reassess your home loan before 2026; this is not just a wise decision but a necessity. As we are approaching 2026, it is critical for borrowers, investors, and prospective homeowners to step back and review their home loan status and strategy. Whether you are applying […]
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How to Buy Your Second Property Using Equity Without Saving a New Deposit
In 2025, buying a second property in the Australian property market using equity, without saving a fresh deposit, is not merely a wise concept. Using built-up equity to buy your second property can significantly accelerate your property investment journey, eliminating the need to save a fresh deposit while enabling timely entry into the investment market. […]
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RBA Holds Rates in Australia: Why Cuts Are Unlikely in 2026
RBA Deputy Governor Rules Out Near-term Rate Cuts In January 2026, the Reserve Bank of Australia (RBA) signalled that any quick turnaround on interest rates is off the table. In an ABC interview, Deputy Governor Andrew Hauser warned that hopes of cutting the cash rate soon have been “all but extinguished”. He noted that even […]
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How 2025 Rate Movements Set Up Borrowers for a Stronger 2026 (Refinancing Guide)
The Australian property landscape for borrowers in 2025 has evolved significantly. As we are heading towards 2026, borrowers and investors are finding themselves in a stronger position than at any time in the past two years. The rate movements of the 2025 cuts and the stability exhibited by the RBA have set the stage for […]
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RBA Rate Update: Is a February Rate Hike Coming?
RBA Rate Update: February Hike in Sight? In its December meeting, the RBA held the official cash rate at 3.60%, but noted the economy still has “a degree of excess demand”, and inflation is running above the target band. This means the 4–5 February board meeting could still deliver a 25 bp hike if incoming data […]
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Housing Market Momentum Slows as Affordability Pressures Rise
Recent data show Australia’s housing boom is easing. National home values rose just 0.7% in December – the smallest monthly gain in five months. In fact, both Sydney and Melbourne saw prices fall by about 0.1% in December, the first dip in those markets since early 2025. Despite this slowdown, 2025 was still a strong […]
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Australian Home Seller Profits Hit 20-Year High – What It Means for Borrowers
Australia’s latest Pain & Gain report (Sept 2025) shows home sellers made record profits. In Q3 2025, 95.5% of resales returned a profit – the highest level since 2005. The median gain was a record $335,000. This surge comes as national home prices hit new highs for months, helped by easier credit conditions after the […]
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Borrowing Capacity 2025 Recap — What Changed This Year & What It Means for 2026
As the financial landscape evolves, 2025 has been a year of significant shifts in mortgage borrowing capacity across Australia. With shifting interest rates, changing lending patterns, & regulatory adjustments, many prospective homeowners, investors, and construction-loan seekers saw their borrowing capacity fluctuate to some extent, sometimes substantially. With property prices still high and loan sizes reaching […]
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