Industry news

Australia’s 2025–26 federal budget arrives at a time when many people – from first-home buyers to seasoned property investors – are feeling the pinch of rising living costs and fluctuating interest rates.

With the cash rate remaining steady at 4.35% for 12 consecutive months, the question on many homeowners' minds is: when will it start to fall?

If you're looking to boost your home loan deposit, there are various methods you can put to use to maximise your savings. We've put together our top tips below to help you get mortgage ready.

The term ‘non-genuine savings’ is commonly used in the context of home loan applications. It refers to funds that are not considered to be authentic savings by lenders.

Previously, the buffer was a minimum of 2.50 percentage points; now, APRA has told lenders to increase it to 3.00 percentage points.

While both buy-now-pay-later services (BNPL) and credit cards have pros and cons, you might not realise that using them can affect your mortgage borrowing power.