Author: Om Financials
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Rising Inflation Means Rates Stay Higher for Longer
Recent data show a surprise jump in inflation, delaying any rate cuts. In the September 2025 quarter, the RBA’s preferred measure – trimmed-mean inflation – rose to 3.0% (up from 2.7%), the first rise since late 2022. Overall CPI inflation also accelerated to 3.2%, the fastest pace since mid-2024. Much of this was driven by […]
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How Aussie Borrowers Are Bouncing Back: What It Means for Your Loan Options
Australian homeowners are finally getting some breathing room with their finances. The Reserve Bank of Australia’s latest Financial Stability Review shows that household budgets are looking healthier as inflation cools and interest rates edge down. Only around 2% of variable-rate mortgage holders are currently in a cash flow “shortfall” (where essential expenses plus loan payments […]
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Interest-Only vs Principal and Interest Loans — Which Strategy Works Best for you?
When you borrow for property, choosing between an Interest-Only vs principal and interest loans is one of the most important financial decisions during property acquisition—whether for your personal home, commercial, investment, or development project. Interest-Only (IO) loans strictly require you to pay interest only for a fixed period, typically 1-5 years, while Principal & Interest […]
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Rentvesting vs Buying: Why More First-Home Buyers Are Choosing Both?
The traditional path to home ownership save a deposit, buy the home you live in, and pay it down for 30 years, is no longer the only, or even the most financially efficient, route for many Australians. Rentvesting vs buying an approach where someone rents a home in their preferred location while buying an investment […]
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Refinancing in Kellyville Ridge 2025: How Much Could You Actually Save?
If you own a home in Kellyville, Kellyville Ridge, or North Kellyville, 2025 could be the most financially rewarding year you have had in recent memory, provided you act on your mortgage. With the RBA cutting rates and lenders competing aggressively for business, homeowners in Sydney’s north-west Hills District are finding that refinancing their home […]
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RBA Flags Risks in Expanded First Home Guarantee as Housing Pressures Mount
RBA Governor Michele Bullock was recently questioned at a Senate hearing about the federal government’s expanded First Home Guarantee (5% deposit) scheme. She agreed it could lead to riskier loans, noting borrowers will have “a much higher loan-to-valuation ratio” and could end up in negative equity if prices fall. The scheme lets eligible first-home buyers […]
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SMSF Property Loans For Investment: Rules, Benefits, and Risks Explained
A self-managed super fund (SMSF) may be able to borrow to acquire property, but strict rules apply. Before considering SMSF property loans, trustees need to understand the borrowing structure, fund obligations and risks involved. Using a Self-Managed Superannuation Fund (SMSF) to invest in property is one of the most powerful wealth-building strategies available to Australian […]
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RBA Holds Cash Rate at 3.60% – What It Means for You
The Reserve Bank has again held the official cash rate at 3.60%. In its September statement the Board noted that inflation is still within the 2–3% target range, but its decline has slowed. In fact, recent data suggest underlying inflation may be a bit higher than expected, especially in services and housing costs. At the […]
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Housing Fund vs Reality: Tight Market and New 5% Deposit Incentive
Australia’s housing agenda remains ambitious but outpaced by reality. The government’s $10 billion Housing Australia Future Fund was meant to support 40,000 new social and affordable homes over the next 4–5 years. Yet progress has been slow: by July 2025 only about 370 homes were completed under this policy. Housing Australia reports that about 18,650 homes […]
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How Mortgage Pre-Approval Can Save You Thousands on Your Home Purchase
Entering the housing market can feel like traversing a complicated labyrinth. With fluctuating prices, competitive bids, and a sea of loan options, the journey to homeownership can be daunting. Furthermore, there’s a powerful tool that can not only simplify this process but also deliver substantial financial savings: mortgage pre-approval. This is not just a formality; […]
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