Mortgage
The Four Major Australian Banks Pass RBA Rate Rise in Full
Commonwealth Bank, Westpac, NAB and ANZ have all passed on the Reserve Bank's latest cash rate increase in full to variable-rate home loan customers.
Chloe Anderson
Author
Writes about Australian home loans: variable versus fixed rates, redraw versus offset, and lender mortgage insurance (LMI) so buyers and refinancers can calculate their true cost of borrowing.
- home-loans
- mortgage
- refinance
- first-home-buyer
Published articles
Mortgage
Spring Property Season and Rate Lock Timing in Australia
Learn when to lock your home loan rate and how to time settlement during Australia's peak spring property market.
Mortgage
October 31 Tax Deadline in Australia: What Investment Property Owners Must Do
The October 31 tax lodgment deadline is approaching for individual taxpayers in Australia. Investment property owners must declare rental income, claim deductions, and lodge their return on time to avoid penalties.
Mortgage
How the RBA Cash Rate Affects Home Loan Rates in Australia
Understand the direct connection between the Reserve Bank of Australia's cash rate decisions and your home loan interest rate.
Mortgage
What Is a Mortgage Offset Account and How It Saves Australian Borrowers Money
An offset account is a transaction account linked to your home loan that reduces the interest you pay by offsetting your loan balance with your savings.
Mortgage
Property Investor Spring Checklist: Refinancing and Rate Review in Australia
A practical spring checklist for Australian property investors to review their home loan rates, assess refinancing opportunities, and optimise their investment portfolio's financing structure.
Mortgage
Land Tax and Stamp Duty Explained for Property Buyers in Australia
Understand the difference between land tax and stamp duty, two major costs Australian property buyers need to know about when purchasing real estate.
Mortgage
Investment Property vs Second Home in Australia: Key Lending and Tax Differences
Investment properties and second homes face different lending rules and tax treatment in Australia. Understanding these distinctions can save you thousands and help you choose the right financing strategy.
Mortgage
Low Property Valuation in Australia: What Happens to Your Offer and Deposit
When a bank's valuation comes in below your purchase price, your deposit and loan approval are at risk. Understand the options and calculate your real position.
Mortgage
Buying with a Guarantor in Australia: How Family Security Works
A family guarantee lets first home buyers enter the market with a smaller deposit by using a parent's or relative's property as additional security, reducing or eliminating lenders mortgage insurance.
Mortgage
Offset Account vs Redraw in Australia: Which Actually Saves More
Compare offset accounts and redraw facilities to find which feature saves you more on your Australian home loan.
Mortgage
How to Read Your Australian Home Loan Amortisation Table and See the Real Interest Cost
Learn to decode your mortgage amortisation schedule and understand exactly how much interest you'll pay over the life of your Australian home loan.
Mortgage
Variable Versus Fixed Home Loan Comparison in Australia
Use our calculator to compare variable and fixed-rate home loans side by side and find which structure saves you money over your loan term.
Mortgage
How to Compare Two Home Loans Side by Side in Australia
Comparing home loans goes beyond the advertised interest rate. Learn how to find the lower true cost by evaluating comparison rates, fees, features, and total repayments.
Mortgage
Understanding Your Home Loan Amortisation Schedule in Australia
An amortisation schedule reveals exactly how much of each home loan repayment goes toward interest versus principal. Learn how to track your equity growth and make informed decisions about extra repayments.
Mortgage
Should You Use a Mortgage Broker or Go Direct to a Lender in Australia?
Understand the key differences between using a mortgage broker and approaching lenders directly to make an informed decision for your Australian home loan.
Mortgage
Investment Property Performance Review in Australia: Mid-Year Analysis Checklist for Landlords
A practical mid-year checklist for Australian landlords to review rental income, expenses, loan performance, tax deductions, and market position to optimise investment property returns.
Mortgage
First Home Guarantee (FHLDS): How to Buy with a 5 Percent Deposit in Australia
The First Home Guarantee helps eligible Australians buy their first home with as little as a 5 percent deposit, avoiding lenders mortgage insurance.
Mortgage
RBA Interest Rate Decision: What Australian Mortgage Holders Need to Know
The Reserve Bank of Australia's latest cash rate decision affects variable-rate home loans immediately, with borrowers facing potential increases of hundreds of dollars per month in repayments.
Mortgage
Home Loan Interest Rates Jump with Cash Rate Increase in Australia
Australian home loan interest rates have risen following the Reserve Bank's latest cash rate increase, directly impacting variable-rate borrowers with higher monthly repayments.
Mortgage
Why Australia's Debt-Free Homeowners Are Dismayed by RBA Rate Hikes
Many outright homeowners in Australia do not have a mortgage, yet Reserve Bank rate hikes still cause significant financial and emotional strain.
Mortgage
Are A$5,000 Cashback Refinance Offers in Australia Worth It?
Cashback and rewards points can reduce refinancing costs, but the headline offer is only useful if the new loan is cheaper after fees, rates and conditions.
Mortgage
Why Mortgage Stress Rose in Australia After RBA Rate Rises
Mortgage stress risk rose after earlier RBA rate rises flowed into borrower repayments. Here is what the April increase means for Australian home loan borrowers.
Mortgage
CommBank Ends Sub-5% Big Four Home Loan Rate Offer in Australia
CommBank's withdrawn special offer is a reminder that headline home loan rates can move quickly. Compare the comparison rate, fees and loan features before switching.
Mortgage
NAB Home Loan Interest Rate Change in Australia: What Borrowers Should Check
NAB's reported home loan rate change affects variable borrowers first, but fixed-rate customers and refinancers should still review their options. Here is what the change means in Australia and how to respond without rushing.
Mortgage
Why Banks Are Cutting Home Loan Rates in Australia Despite RBA Caution
Some Australian lenders can cut selected home loan rates even when the RBA remains cautious. The useful question is whether your total loan cost improves, not whether one advertised rate looks lower.
Mortgage
2026 Interest Rate Forecast: Will Australian Home Loan Rates Fall?
Australian home loan rates may fall later in 2026, but cuts are not guaranteed. Borrowers should compare the full comparison rate, fees and loan features before waiting for lower repayments.
Mortgage
How a Mortgage Broker Can Help You Refinance in Australia
Discover how mortgage brokers help Australian homeowners compare lenders, negotiate better rates, and navigate the refinancing process.
Mortgage
How to Calculate LMI on a High-LVR Home Loan in Australia
Lenders mortgage insurance can add thousands of dollars to a high-LVR home loan. Use an LMI estimate to compare buying sooner with a smaller deposit against waiting and saving more.
Mortgage
Mid-Year 2027 Mortgage Review in Australia: Is Refinancing Worth It?
Refinancing may be worth it if the saving after fees, break costs and lost features is clearly positive. Use the comparison rate, not just the advertised rate.
Mortgage
Tax Deductions for Property Investors in Australia: What to Claim Before June 30
Property investors can claim a range of tax deductions before the June 30 financial year end, including loan interest, depreciation, repairs, and management fees.
Mortgage
Mortgage and Refinance Interest Rates in Australia: Will Rates Rise or Fall This Week?
Current mortgage rates for Australian borrowers and the outlook for the week ahead.
Mortgage
The Impact of Rising Interest Rates on Mortgage Borrowing Capacity in Australia
When interest rates rise, your borrowing capacity often falls, even if your income stays the same. Learn how lenders assess serviceability and what the interest rate buffer means for your home loan.
Mortgage
Mortgage and Refinance Interest Rates in Australia Today: Fixed Rates Continue to Fall
Fixed-rate home loans in Australia continue their downward trend as of June 17, 2026, while variable rates remain stable.
Mortgage
Fixed vs Variable Rate Home Loan in Australia: How to Decide
Learn how to choose between a fixed-rate and variable-rate home loan in Australia with this step-by-step guide covering rates, features, and your personal financial situation.
Mortgage
Home Equity Growth in 2027: How to Access It Wisely in Australia
Australian property values continue to rise in many markets. Learn how to tap your home equity responsibly through redraw, refinancing, or a line of credit without overextending yourself.