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Rates & Credit

Rate hikes and inflation push household strain to a post-pandemic high

A new Misery Index shows borrowing costs and prices now do the damage, not jobs. The question is who carries it.
Rates & Credit

Non-bank lending gets a $1.7bn boost from Macquarie and Citi

A bridging fintech now has more than $1.7bn in debt funding from two big institutions. The harder question is what that means for borrowers and risk.
Rates & Credit

Best interest duty review: cheaper loans aren’t always best

ASIC is reviewing how brokers meet their best interest duty, and the industry says the lowest rate is not always the right loan. The trade-off matters more as rates bite.
Rates & Credit

Trans-Tasman stress test: banks pass, but the gaps matter

Regulators say lenders would keep lending through a deep recession. The test is only as good as what it leaves out.
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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.
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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.
Rates & Credit

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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Rates & Credit

Why Savers Could Be the Quiet Winners of Higher Rates

Deposit rates can climb fast when the RBA tightens, but many Australians still earn next to nothing. The real stakes are not just yield, but what you do with spare cash next.
Suburb Reviews

Sydney and Melbourne Are Flashing a Housing Warning

Home values are softening in the two biggest capitals just as rate fears build. What breaks first: buyer confidence or the downturn narrative?
Rates & Credit

Why rate rises will hurt harder than the Iran oil shock

Oil has grabbed the headlines, but a 4.10% cash rate is where the property squeeze gets real. The next move matters more than most borrowers think.
Rates & Credit

Australia’s rate pain is back and worse may be ahead

Australia is moving the opposite way to the US on rates. That gap could squeeze borrowers, lift political heat and test the economy. But where does it end?

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