Posts

An investor’s borrowing capacity no longer hinges solely on the headline cash rate after the Reserve Bank cut the official cash rate to 4.10% on 18 February…

When the Reserve Bank of Australia lifted the cash rate for the thirteenth time in November 2023, property investors who had built portfolios on the back of…

The Australian Taxation Office has not been subtle about its intentions. On 17 July 2024, the ATO released its annual SMSF statistical overview confirming th…

With new interest rate floors being embedded across the major banks’ serviceability calculators and a 3.0 percentage point buffer still policing every dollar…

Australia’s interest-only lending landscape has shifted into its most consequential phase since APRA’s 2017 macroprudential crackdown. The 2020-21 vintage of…

The Reserve Bank of Australia’s cash rate, held at 4.35% since November 2023, has shifted the arithmetic of holding a home. Variable-rate repayments on a $75…

Understand how Australian banks calculate bridging loan serviceability when you're carrying two mortgages. We break down assessment methods, income treatment, and the numbers lenders actually use in 2026.

With the Reserve Bank of Australia holding the cash rate at 4.35% through its September 2024 meeting and a federal election due by May 2025, the tax treatmen…

A deposit of 10% written on a contract in 2021 often landed in a trust account while the borrower’s pre-approval was anchored to a cash rate of 0.10%. Today…

At its March 2025 meeting, the Reserve Bank of Australia held the cash rate at 4.35 per cent for the fifteenth consecutive board meeting, keeping variable mo…

First-home buyers entering the Australian housing market in 2025 face a deposit hurdle that has grown taller rather than shrinking, despite the Reserve Bank…

The RBA held the cash rate at 4.35 percent in May 2024, and forward-market pricing suggests at least one more cut won’t materialise until early 2025. For fir…