Tag Archives: Affordability

A brown and white dog wearing a white collar and black tie sits seriously in an office chair. Behind the dog, a beige wall features simple doodles of a house and clouds, along with bold text that reads, “Buying your first home should feel exciting — not overwhelming!” The playful image humorously promotes a friendly and stress-free approach to home buying.
Buying Your First Home? Let’s Make It Exciting (Not Stressful)

Buying your first home should feel exciting — not overwhelming! 🏡 At Home Loans Australia, [...]

14
Oct
A smiling family of three – mother, father, and young daughter – sit closely together on a beige sofa, laughing and enjoying a warm moment in their living room. The Home Loans Australia logo appears in the top left corner, representing a friendly, family-focused mortgage broker.
Refinancing Surges as Borrowers Chase Better Deals

Refinancing is booming across Australia, with more homeowners switching lenders to take advantage of lower [...]

08
Oct
💡 Great news for first home buyers! From 1 October 2025, the Australian Government’s 5% Deposit Scheme (formerly the First Home Guarantee) is getting a major upgrade. Unlimited places, no income caps, and higher property price thresholds mean it’s now easier than ever to get into your first home in Melbourne with just a 5% deposit — and avoid costly LMI.
Great News for First Home Buyers: Big Changes Coming to the 5% Deposit Scheme

01
Oct
Fewer credit cards can mean more borrowing power and a stronger mortgage application. Discover how reducing credit card use helps your home loan chances.
Why Cutting Back on Credit Cards Could Boost Your Home Loan Chances

30
Sep
House prices on the rise
Property Prices Continue to Climb – Seven Months of Growth in a Row

30
Sep
Borrowers boost savings in offset accounts, cutting mortgage interest and repayments, with APRA data showing rising balances and smarter loan strategies.
How Aussies Are Using Offset Accounts to Save Thousands on Their Home Loans

Australians are getting smarter with their mortgages – and the latest data shows just how [...]

30
Sep
Loan Repayments
Fewer Australians Falling Behind on Mortgage Repayments – A Positive Sign for Borrowers

Fewer Australians are falling behind on their mortgages, with 99 out of 100 borrowers up [...]

30
Sep
the RBA is keeping Australia’s cash rate steady at 3.60%.
RBA Keeps Interest Rates on Hold at 3.60%

30
Sep
50,000 New Home Guarantee Scheme Places Released
Big News for Home Buyers: 50,000 New Places in the Home Guarantee Scheme

03
Sep
Falling Interest Rates
Rate Cuts, Values Up

After February’s rate cut, the market’s got its spark back: values rose 0.6% in June—five [...]

02
Sep