Fixed rate versus variable loans

The 2025 federal budget introduces key measures affecting home buyers, including an expanded Help to Buy scheme, increased infrastructure investment, and incentives to grow the construction workforce. Foreign investors face new restrictions, and funding for prefabricated homes aims to accelerate supply. These changes could significantly reshape Australia’s property market.

Here’s the hard truth: If you’re not in control of your debt, it’s controlling YOU.

Debt doesn’t just sit quietly in the background. It piles up, creeps into your financial freedom, and slowly starts calling the shots. It’s time to flip the script.

Find out how taking control of your debt can restore your financial freedom and bring peace of mind.

Rental growth slowed in 2024, despite the national median rent rising 4.8% for the year. Affordability pressures led renters to form larger households, easing demand. Meanwhile, increased investor activity added supply, lifting vacancy rates slightly to 1.9%. Still, with rents rising and vacancies low, many investors remain in a strong position.

Australia’s property market rebounded swiftly in early 2025, reversing December’s brief price decline. Growing expectations of interest rate cuts have boosted confidence, while constrained housing supply continues to drive long-term price growth. With construction delays and undersupply persisting, the market’s dynamics are shifting toward sustained appreciation, rather than traditional boom-and-bust cycles.

The Reserve Bank of Australia’s recent cash rate cut presents an opportunity for homeowners to reassess their mortgage. With rates heading downward, it’s the perfect time to refinance, consolidate debt, or increase repayments to pay off your loan sooner. Take control of your financial future and explore your options now.

Securing a home loan when you’re self-employed can be challenging, as lenders often view your income as less predictable and your financial position more complex. Strengthening your finances with stability and transparency can improve your chances. This article shares practical tips to help you secure better loan options, lower rates, and more lender interest.

Lenders mortgage insurance (LMI) often gets a bad rap, but it can open doors for borrowers with smaller deposits. While LMI adds costs, it enables buyers to enter the property market sooner, potentially avoiding years of savings and rising property prices. Understanding LMI’s role is key to making informed decisions.

Thinking about buying an investment property in 2025? The key to success starts with making yourself as creditworthy as possible. From increasing savings to understanding loan options and deposit requirements, there’s a lot to consider. Here’s how to set yourself up for a strong start.

The new year presents an ideal opportunity to reassess your finances. Whether you’re planning to buy property, managing a home loan, or running a business, there are key actions you can take to improve your financial situation. From enhancing your credit score to exploring refinancing options, small changes can make a big impact.

Australia’s property market is shifting, with a clear divide between strong and weak performers. While Brisbane, Perth, and Adelaide see robust growth, Sydney, Melbourne, Canberra, and Hobart face slower gains. As interest rate cuts loom in 2025, understanding regional trends will be essential for buyers and investors alike.