Structure your investment property loan to maximize tax benefits. Get expert tips on loan types, interest deductions, and smart financial strategies.

The financial stability of Australians is increasingly in the hunt as home property ownership continues to be the indispensable basis of economic well-being. One of the big issues for the ones wanting to buy a house or to refinance the mortgage is to understand the market trends and get the most suitable home loan.

Labor shortages are persisting in Australia, faced by companies, which could probably steer the Reserve Bank of Australia’s (RBA) monetary policy decisions in 2025. As per the NAB’s most recent Quarterly Business Survey for Q4 2024, 82% of businesses revealed labor constraints for two terms back to back

Are you struggling to secure a home loan? Learn the important factors that lenders consider and how to increase your chances of getting your mortgage approved. Contact OM Financials today for professional assistance

The rising cost of living forces Australians to deal with financial stress. For many people, what was once a stable monthly expense has become a fluctuating burden, especially as homebuyers switch from fixed-rate loans to variable-rate mortgages. While the lowering of power and fuel costs provides some relief, it is insufficient to offset the rising costs. The most recent statistics from the Australian Bureau of Statistics show that costs are high, and so homeowners should find other ways to manage their finances.

Amid mounting mortgage stress in Australia, now over 1.6 million people (i.e., 27.9% of mortgage holders) are facing risks, which has resulted in increased pressure on borrowers. This pressure has only worsened due to projected interest cuts from the Reserve Bank of Australia being rendered ineffective. Without a rate cut shortly, homeowners are forced to manage their finances without assistance from the RBA.

The FRCGW structure introduces the tax on certain transactions of "Australian real property" made by foreign residents, therefore relieving the buyer of some obligations. The sum deducted then passes to the ATO to help the overseas seller with their CGT obligations. It encompasses a broad spectrum of activities, including leasing and leasehold rights as well as sales of commercial and residential property and even indirect real property activity like mining.

Are you still unsure about your SMSFs? Understand this self-managed super fund, who qualifies, and why it may be right for you.

As Australia’s construction sector faces a sharp rise in costs, the broader implications for homebuyers, borrowers, and the housing market are starting to unfold. The latest results from CoreLogic’s Cordell Construction Cost Index (CCCI) reveal that construction costs increased by 3.4% in the past 12 months, the largest jump since 2023. Rising construction costs affect important components of the housing market, including loan amounts, construction budgets, and borrowing power, and pose problems for borrowers looking to find money for new builds or renovations.

Australia's Job Market Resistance Is Rising, With The Unemployment Rate Fixed At 4%.

Despite everything, unemployment hit the mark of 4 %, signalling a rise of 0.1% during the previous period. Nevertheless, in most regions, Job Market Strength still stands firmly which the  Australian Bureau of Statistics (ABS) confirmed.