Budgeting for a Rate Rise: 5 Steps to Stress-Test Your Home Loan Before the Next RBA Decision

For many Australian mortgage holders, the household budget is built around one number: today’s required repayment. That can create uncertainty when the Reserve Bank of Australia (RBA) is preparing to make another cash-rate decision. The better question is not, “Will rates rise?” Forecasting monetary policy is difficult, and predictions can change as inflation, employment and […]

Own Your Home Sooner: How Offset Accounts and Extra Repayments Can Slash Your Mortgage Term

For many Australian homeowners, the goal is not simply to meet the minimum repayment each month. It is to reduce mortgage interest, build equity faster and reach the point of owning the home outright sooner than the standard 25- or 30-year loan term. The good news is that this can be easier than many people […]

RBA Poised to Hike Again in September: 5 Smart Ways to Shield Your Home Loan From Rising Rates

Australian homeowners may be facing another increase in borrowing costs, with NAB forecasting a 0.25 percentage point increase to the RBA cash rate at the 28–29 September 2026 meeting. NAB has also identified the possibility of a further increase in November if inflation and economic activity remain stronger than expected. The Reserve Bank of Australia’s […]

Negative Gearing Changes in Australia: What Property Investors Need to Know for 2027-28

Australian property investors need to reassess how they evaluate investment properties, loan structures and future cash flow. From the 2027–28 income year, the Australian Government’s negative gearing changes will restrict how rental losses from many established residential properties can be used. The key change is straightforward: Established residential properties acquired after 7:30pm AEST on 12 […]

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