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Rates & Credit

Australian Housing Crisis: Banks Fund Mortgages, Not Homes

Australia’s banks hold $2.5 trillion in home loans, while development finance carries far heavier capital costs. Is credit worsening the shortage?
Rates & Credit

Australia’s Biggest Home Lender Isn’t a Bank, And It’s Pulling Back

Family help is shrinking just as prices soften. That sounds useful for buyers, but the borrowing risk may be shifting.
Rates & Credit

Housing Investor Loans Face A New Budget Shock

Investor loan demand is weakening fast, and the budget may have changed the borrowing maths before prices fully reset.
Rates & Credit

Investor Lending Hits 16-Year High as Banks Tighten Up

Investors are taking a bigger slice of home loans, but the borrowing maths is getting harder.
Rates & Credit

Why Childcare Property Lending Is Becoming A Suburb-By-Suburb Game

Childcare demand still looks solid, but lenders are now asking a harder question: which centres can survive local pressure?
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SMSF Lending Ban Sparks Revolt From Non-Bank Lenders

Non-bank lenders say the ban targets a tiny slice of housing credit. The bigger question is who loses access next.
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RBA Interest Rates Hold, but Borrowers Get No All-Clear

The cash rate remains at 4.35%, but the RBA’s warning leaves borrowers facing an uncomfortable question: is another increase still coming?
Rates & Credit

Interest-only loans could be the Budget’s next property shock

Westpac sees investors pulling back, but the next move may be riskier: a shift towards loans that protect cashflow, not debt.
Rates & Credit

Australia’s Economy Is Slowing, But the RBA May Not Blink

Jobs are weakening while underlying inflation has lifted to 3.4 per cent. For borrowers and investors, the next RBA call is no longer simple.
Rates & Credit

Jobs Shock Puts RBA’s Next Rate Hike on Thin Ice

Unemployment has jumped to 4.5 per cent, but sticky inflation means borrowers may not be out of danger yet.
Rates & Credit

Banks Just Moved Before Negative Gearing Even Changes

Macquarie has tightened investor loan checks early, and the real pain may land before the tax rules begin.
Rates & Credit

First-Home Buyers Are Running Out of Breathing Room

Low-deposit loans helped buyers get in sooner. Now higher costs are testing whether they had enough buffer to stay comfortable.
Rates & Credit

Rate Pain Is Back, And Borrowers Are Running Out of Easy Moves

The RBA has lifted rates again, but the real test is whether households still have enough cashflow buffer left.
Rates & Credit

RBA Flags More Rate Pain, But Jobs May Pay the Price

The cash rate is back at 4.35 per cent, and the RBA is signalling inflation now matters more than job-market comfort.
Rates & Credit

The Suburb Stress Map Exposing Australia’s Housing Squeeze

New stress data points to a brutal split: some suburbs are already at breaking point, but the next hit may still be coming.
Rates & Credit

Your Cash Buffer Is Quietly Losing Value Again

Inflation is back above the RBA’s comfort zone, but the real damage may be hiding in everyday bank accounts.
Rates & Credit

The RBA’s Inflation Trap Could Hit Property Harder Next

Inflation is rising again as growth slows, leaving the RBA with no clean option and borrowers exposed.
Rates & Credit

Should You Lock Your Mortgage Before Fixed Rates Climb Again?

Fixed rates are rising before many borrowers have caught their breath. The risk is not just paying more, but fixing at the wrong moment.
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Why It Feels Like You Should Afford a Home, But Still Can’t

Your income may be up and your deposit may look solid, yet the bank still says no. That gap is where today’s housing frustration really lives.

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