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APRA proposes a new “Most Significant Financial Institutions” tier
Australia’s prudential regulator (APRA) is consulting on a three-tier banking framework to boost competition. In its December 2025 discussion paper, APRA proposed a top tier of Most Significant Financial Institutions (MSFIs) for banks with more than $300 billion in assets. That list would include the four traditional majors (CBA, Westpac, ANZ, NAB) – and Macquarie Bank. […]
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Housing Market Update: Growth Eases, Affordability Tightens
Recent data shows Australia’s housing market is still growing, but at a slower pace. CoreLogic’s Cotality index reports national home values rose 1.0% in November – a strong rise but down from October’s 1.1% gain. The lift is driven mainly by smaller capitals. Perth led the gains with a 2.4% jump, thanks to very tight […]
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Help to Buy scheme opens – New Shared-equity Path to Home Ownership
The Albanese Government’s long-awaited Help to Buy program launches on 5 December 2025, opening applications in the participating states and territories. This federal shared-equity scheme will run for four years with up to 10,000 places each year (40,000 total). It helps eligible home buyers (first-timers and those re-entering the market) by reducing how much of cash and […]
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Record-breaking price forecasts – what this means for borrowers
Australia’s housing market is expected to heat up again in 2026. Domain’s latest forecast sees house prices hitting new peaks in every capital city next australianpropertyupdate.com.au. For example, Sydney’s median house price could climb by about 7%, reaching roughly $1.92 million, while Melbourne may rise about 6% to around $1.17 million. Brisbane, Adelaide and Perth are expected […]
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Land & Build Loans Made Simple—How to Finance Your Dream Home from Scratch
When it comes to building a brand-new home from the ground up, the financing path is often more complex than simply buying an existing property. As a specialised mortgage broker, OM Financials helps clients understand how land-and-build (also known as “https://askfinancials.com.au/home-loan/buying-home”) loans work, so new-build buyers can start their journey with clarity and confidence. What […]
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Spring Property Market: Cities Facing the Biggest Listing Shortages
Australia’s property market is in full spring swing – traditionally a busy season for home sales. However, many cities now face unusually low stock. In fact, LJ Hooker’s latest listings report shows that Brisbane’s available homes are down about 23% and Hobart’s down about 32% from normal levels, with Darwin also around 25% below usual […]
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The Financial Case for Dual-Income Properties in Growth Corridors Like Rouse Hill and Box Hill
If you want to build wealth through property, it’s worth looking at dual-income homes in fast-growing suburbs like Rouse Hill and Box Hill. They can bring in two rents, which makes it easier to boost your income and grow your investment over time. Mortgage brokers often agree that these investments are smart. They offer more […]
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The Biggest Mistakes Investment loan Structure Their Loans
When buying an investment property, securing the right investment loan structure is just as important as finding the right property. As a mortgage broker working closely with property investors, the team at OM Financials sees many cases where sub-optimal loan setups cost investors time, money, and flexibility. Below are the most common mistakes and how […]
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Opportunities for Buyers & Investors Amid Steady Rates and Policy Changes
The Reserve Bank of Australia (RBA) held the cash rate at 3.60% in November 2025. Inflation is still above target (3.2% CPI, 3.0% trimmed mean). Economists are projecting that rates will hold at 3.6% through 2026. This effectively creates a stability in borrowing costs right now, for a sense of certainty for purchasers and investors […]
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Kellyville Ridge Families Are Upsizing—Here’s How to Make Your Move Without the Stress
Located in the thriving northwest corridor of Sydney, the suburb of Kellyville Ridge has become a hotspot for growing families who are ready to move into bigger homes, upgrade their lifestyle, and secure better schooling and amenities. As a buyer’s agent writing on behalf of OM Financials (mortgage broker and home-loan specialist), this article steps […]
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