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Mortgage news archive

Browse 292 editor-reviewed updates on Australian home loan rates, RBA decisions, lender changes and what they mean for borrowers.

September 2026

  1. All Four Major Banks Now Expect Another RBA Rate Hike
  2. How a First Home Buyer Won Despite Being Outbid by $60,000
  3. Property Investors Exit at Record Rate as Tax Reforms Take Hold
  4. Record investor sell-off as CGT reforms reshape the market
  5. ASIC Catches Lenders Hiring Brokers Without Background Checks
  6. Darling Downs Defies Qld Slowdown as City Buyers Head West
  7. RBA Warns Inflation Isn’t Fixed — More Rate Hikes Possible
  8. Labor's Negative Gearing Reforms: What Borrowers Should Know
  9. Home Values Fall for the First Time in Four Years
  10. All Four Major Banks Now Expect a Rate Rise This Year
  11. Rate Hike in November: What Borrowers Need to Know Now
  12. Discretionary Trusts Face 2028 Tax Shake-Up: What to Do
  13. Why 664,000 Aussies Switched Their Home Loan in FY26
  14. Real Estate Agent Laws Every Home Buyer in Australia Should Know
  15. Mortgage Red Tape Is Blocking First Home Buyers, Senate Told
  16. Brokers Settle Record 81.6% of Home Loans as Complexity Soars
  17. Record $371bn in Home Loans Switched Lenders in FY26
  18. Labor Revises Trust Tax: What Broker Business Owners Must Know
  19. Three Major Banks Now Tip RBA Rate Hike in September
  20. APRA Hits ING With $50m Capital Add-on for Liquidity Errors
  21. Mortgage Brokers Now Handle 81.6% of All Home Loans
  22. Police Credit Union Drops to 5.79% One-Year Fixed Rate
  23. CBA Tips 9% National House Price Fall to April 2027
  24. Rate Rise Odds Hit 70% After June GDP Surprise
  25. NAB's Mortgage Book Shrinks as Lending Cools
  26. Variable Rate Hike Risk Is Back: What to Do Now
  27. Brokers Now Write a Record 81% of All New Home Loans
  28. CBA and Macquarie Lead June Mortgage Book Growth

August 2026

  1. Non-Bank Lenders Fight for Loans as Arrears Data Improves
  2. Three Major Banks Now Forecasting a Rate Rise in 2026
  3. Why Smart Borrowers Look Beyond Rate Shopping
  4. Non-Bank Lenders Surge: What Borrowers Need to Know
  5. Adelaide’s 10.5% Growth Defies National Property Downturn
  6. Buyer’s Market: Clearance Rates Below 50% for 12 Weeks
  7. Labor Tax Changes Could Push Australian Rents Up 15–30%
  8. CGT Rules Are Changing: Property Investors Need a Valuation Now
  9. Three Big Banks Now Tip RBA Rate Hike Before Year's End
  10. MyState's $13.6bn Mortgage Book Shows Broker Power
  11. Resimac's 20% Settlement Jump Signals Non-Bank Momentum
  12. Sticky Inflation Lifts Risk of RBA Rate Hike in September
  13. Non-bank specialists hit $1bn as complex loans surge
  14. Non-bank loans hit $6bn as major banks tighten up
  15. Auction Clearances Slip to 53% as RBA Hike Risk Weighs on Buyers
  16. Draft CGT Laws Could Deter Investment, Property Council Warns
  17. Fixed Loans Surge Fivefold at Bendigo as Brokers Take the Lead
  18. Non-Bank Lenders Post 127% Growth as Broker Market Tightens
  19. Home Loan Applications Fall 16% After Federal Budget Tax Shake-Up
  20. Broker Networks Shrink but Productivity Surges in 2026 Market
  21. Sydney and Melbourne Clearance Rates Slide in a Buyer's Market
  22. Non-Banks Surge as Brokers Write 1 in 9 Australian Mortgages
  23. Customer-Owned Banks Beat Major Rates by Up to 1.05%
  24. Non-bank lenders gain ground: what Pepper's record half means
  25. Big four losing home loan share — what borrowers can do
  26. Non-Bank Lenders Hit 10.7% of New Mortgages — Is One Right for You?
  27. AUSTRAC Fraud Crackdown: What Home Buyers Need to Know
  28. Bluestone Cuts 0.25% for Spring: Who Can Take Advantage?
  29. 50 Banks Below 6%: What Variable Rate Moves Mean for You
  30. Bluestone cuts rates 0.25% to kick off spring lending season
  31. NAB flags rising mortgage stress as home loan demand falls
  32. Mortgage lending slumps $5.4bn as rate hikes and tax changes bite
  33. Coalition Plan to Shrink Building Code and Slash Home Costs
  34. Auction Clearance Hits 12-Week High While Buyers Stay in Control
  35. Brokers Being Trained to Spot Financial Abuse and Hardship
  36. How Far Could House Prices Fall? A City-by-City Look
  37. Property Price Falls Won't Hit All Capital Cities Equally
  38. Budget and Rate Hikes Crush Investor Lending in June Quarter
  39. RBA Warns of Sharp Drop in New Housing Commitments
  40. Home Prices Fall Across Australia as Rate Hikes Bite
  41. Trust Tax Reform Could Disrupt Broker Accreditations
  42. CBA Profit Rises as Mortgage Applications Plunge 15%
  43. RBA Holds at 4.35% But Another Hike Is Still on the Table
  44. RBA Hold Signals Buyer's Window as Housing Supply Hits 7-Year High
  45. Cash Rate on Hold Again: What Borrowers Should Do Now
  46. Your Offset Account May Not Be Saving You What You Think
  47. Westpac Data Shows Investor Tax Bite on Mortgages
  48. Record AFCA Complaints: What Borrowers Should Know Now
  49. Mount Isa's $312k Homes: A Real Answer for First Home Buyers?
  50. RBA Set to Hold in August: What Every Borrower Should Do
  51. RBA Set to Hold in August: What Borrowers Should Do Now
  52. 5% Deposit Scheme: 208,000 Buyers, Only 13 Defaults
  53. Westpac Calls Housing Slump an 'Air Pocket', Not a Crash
  54. RBA Set to Hold Rates in August: What Borrowers Need to Know
  55. Non-Bank Lending Booms as La Trobe Hits $25 Billion
  56. AMP Bank's Loan Book Slips: What It Means for Borrowers
  57. Three Rate Hikes in 2026: What Borrowers Should Do Now
  58. Financial Complaints Hit 120,000 as Cost of Living Bites
  59. Labor Fixes Inheritance Trap in Negative Gearing Shake-Up
  60. House Prices Fall as Building Costs Create a Market Floor
  61. RAMS Mortgages Move to Pepper Money: What You Need to Know
  62. Mortgage Demand Crashed 16 Points: What Borrowers Need Now
  63. Out-of-Cycle Rate Cuts: 44 Lenders Now Under 6%
  64. Mortgage Demand Contracts 12.5% After Rate Hikes and Tax Reform
  65. Liberty Financial First Non-Bank to Join 5% Deposit Scheme
  66. Macquarie Cuts to 6.04% as Variable Rate Competition Builds
  67. SMSF Property Borrowing Ban Takes Effect 10 August: Act Now
  68. Australia's Housing Downturn Spreads Beyond Sydney and Melbourne
  69. Capital City Clearance Rate Hits 8-Week High at 49.7%
  70. SMSF Lending Ban: What the August 10 Deadline Means for You
  71. HSBC Exits Home Lending: What Happens to Your Mortgage?
  72. UBS Tips November Rate Hike: What Borrowers Need to Know
  73. HSBC Exits Retail: What Happens to Your $36bn Home Loan

July 2026

  1. Westpac Drops Rate Hike Forecast After Softer CPI Data
  2. August Rate Decision: What RBA's Warning Means for You
  3. Is Your Offset Account Actually Saving You Money?
  4. SMSF Loan Holders: Act Before the August 10 Residential Ban
  5. Rate Cuts Roll In Despite August RBA Hike Threat
  6. Your Offset Account May Not Be Working — Here's What to Do
  7. House Prices Falling? What the RBA's Own Stress Test Reveals
  8. Teachers Mutual Joins Help to Buy, Opening Broker Access
  9. RBA Likely to Hold at 4.35% as Property Values Keep Sliding
  10. Regional housing shortage pushing small businesses to lift wages
  11. Westpac tips August rate rise as mortgage stress hits two-year high
  12. Rents Rising 6% Nationally as Rental Supply Keeps Shrinking
  13. Investor Loan Lodgements Plunge 35% After Budget Tax Changes
  14. RBA August 11 Decision: Four Banks, Four Rate Forecasts
  15. Investors Pivot to Commercial as Residential Tax Rules Change
  16. 1.6 Million Borrowers at Risk as Mortgage Stress Peaks
  17. HAFF Housing Fund Delivers Just 1,432 Homes of 40,000 Target
  18. NAB Cuts Fixed Rates as Lenders Eye RBA Decision
  19. ASIC Flags Broker Fraud Risk as BID Compliance Report Nears
  20. 21 Lenders Have Cut Fixed Rates — What Borrowers Should Know
  21. 8 Lenders Trim Rates Even as the RBA Keeps Hiking
  22. ING Drops Clawbacks on Forced Property Sales
  23. Clearance Rates Stuck Below 50%: What Tax Reforms Mean for Buyers
  24. ASIC's Record $830m Penalty Year: What It Means for Borrowers
  25. Mortgage Demand Falls 14%: What Borrowers Should Do Now
  26. New CGT Rules: Why Every Investor Needs a July 2027 Valuation
  27. Property Market Softens as Rate Rises and Tax Changes Bite
  28. What Broker Clawbacks Mean for Your Home Loan Advice
  29. ING Cuts Fixed Rates: What Owner-Occupiers Need to Know
  30. Rents Surge While Rate Decision Hangs in the Balance
  31. Lenders Cut Rates as Home Loan Activity Slows in June
  32. Home Prices Fall Across Every Capital in June 2026
  33. Westpac Leads Major Banks While Non-Majors Win Refinance Business
  34. Three Rate Rises In, Experts Predict What the RBA Does Next
  35. Perth and Adelaide Suburbs Racing to $1M: What Buyers Should Know
  36. RBA August 2026: Will Australia's Cash Rate Rise Again?
  37. Falling House Prices: What Buyers Need to Know in 2026
  38. RBA August Rate Call: Hold, Hike or Cut for Borrowers?
  39. Negative Gearing Reforms Set to Drive Investors Out, Survey Finds
  40. Westpac Tips August RBA Rate Hike as Inflation Stays Hot
  41. 81% of Home Loans Now Go Through Brokers — Here's Why
  42. ACT Scraps Stamp Duty for First Home Buyers in a National First
  43. Trust Tax Shake-Up: What Property Investors Must Know
  44. SMSF Home Loan Ban: What Investors Must Do by 10 August
  45. New Home Starts Fall 11% as Housing Accord Target Slips
  46. First Home Buyer Loans Fall 20% Despite Budget Promises
  47. ING Tops Lender Satisfaction as Cash Rate Hits 15-Year High
  48. RBA Could Hike Rates if Middle East Conflict Drags On
  49. 18 Lenders Cut Rates as Home Loan War Heats Up
  50. RBA Warns Rate Risk Isn't Over as Supply Shocks Mount
  51. Tax Reform Squeezes Investors: Borrowing Power Falls 20%
  52. HSBC Tips 8% House Price Fall: What Buyers Should Know
  53. Rate Cut or Another Hike? What Lenders Are Forecasting
  54. Budget's Negative Gearing Changes Already Rattling Investors
  55. RBA Hold Expected in August, But Another Rate Rise Looms
  56. Property Values Drop as CGT Debate Reshapes the Market
  57. New APRA Deputy Chairs: What This Means for Your Mortgage
  58. Mutual Bank Merger Wave: What It Means for Your Home Loan
  59. SMSF Lending Ban: What Investors Need to Do Before August
  60. House Prices Could Drop 10%: What Borrowers Should Know
  61. Govt Axes CGT Backdating: What It Means for Investors
  62. Auction Clearance Falls for 5th Week as Market Cools
  63. SMSF Home Loan Ban Could Dent New Housing Supply
  64. RBA Back at 4.35%: How the Rate Reversal Hits Your Mortgage
  65. Labor's CGT Changes: The Loophole Hitting Joint Property Owners
  66. What It Would Take for Australian House Prices to Fall
  67. Help to Buy Income Limits Rise for FY27: What's Changed
  68. RBA Holds at 4.35% But Flags Another Rate Rise
  69. Why Rate Cuts Are Further Away Than Most Borrowers Think
  70. Mortgage Fraud Hits $4bn: What Borrowers Should Know
  71. Australia's Home Values Post Biggest Monthly Drop Since 2022

June 2026

  1. APRA's Risk Weight Cuts Could Free Up Lending for Home Builders
  2. AMP Reverses SMSF Ban: But Mid-August Deadline Looms
  3. Sydney Auctions Hit 6-Year Low as Property Market Softens
  4. Negative Gearing Tax Reform Is Now Law: What Borrowers Need to Know
  5. May Spending Surge Dims Hopes of RBA Rate Cuts in 2026
  6. Negative Gearing Reform Is Now Law: What Investors Must Do
  7. Capital City Auctions Slump to Lowest Clearance Since 2020
  8. Big Four Split on Rate Path as Jobs Data Sends Mixed Signals
  9. RBA Rate Hike Risk Rises as Inflation Stays Hot
  10. Negative Gearing Overhaul Is Now Law: Key Dates Explained
  11. SMSF Residential Borrowing Banned: What the 45-Day Window Means
  12. Mortgage Stress Climbs to Four-Year High, 1.5 Million at Risk
  13. May Inflation Surprise Puts August Rate Rise Back in Play
  14. May RBA Hike Hits Repayments: Variable Rate Reality Check
  15. SMSF Property Borrowing Banned: What Investors Need to Know
  16. Nearly 4 in 10 Investors Feel Shut Out by the Major Banks
  17. ANZ Opens 27 Branches on Saturdays for Home Loan Help
  18. Negative Gearing Changes Backed by Senate: What Investors Must Do
  19. Victoria’s Rental Supply Is Shrinking: What Investors Need to Know
  20. Clearance Rates Below 50%: It’s Officially a Buyer’s Market
  21. CGT Overhaul: What Property Investors Need to Know Before 2027
  22. CBA Culls Inactive Brokers: What It Means for Your Loan
  23. Labor's CGT Carve-Out: What Property Investors Should Know
  24. RBA Data June 2026: Are Interest Rates Finally at the Peak?
  25. CBA Cuts Inactive Brokers: What Borrowers Need to Know
  26. Labor's Small Business CGT Rollback: What Borrowers Need to Know
  27. Where Home Prices Are Headed in 2026: A City-by-City Guide
  28. CBA Cuts Inactive Broker Accreditations: What Borrowers Should Know
  29. Labor Lifts CGT Small Business Threshold to $10 Million
  30. Refinancing Hits 640,000 Loans a Year: Could You Save Too?
  31. Will Rates Rise Again? Westpac Tips Two More Hikes in 2026
  32. RBA Holds Cash Rate at 4.35%: What It Means for Borrowers
  33. Negative Gearing Overhaul: What Property Investors Face Now
  34. Home Insurance Crisis: What Borrowers Must Know in 2026
  35. Rate Hold Tipped as RBA Opens June 2026 Meeting
  36. ING Tightens Investor Loan Rules Ahead of 2027 Tax Changes
  37. Big Four Split on Rate Cuts as RBA Weighs Its Next Move
  38. Australia's Rental Vacancy Rates Signal Investor Opportunity
  39. CBA Warns Low-Deposit FHBs Could End 2026 Underwater
  40. Rate Cycle Looks Done: What Borrowers Should Do Right Now
  41. RBA Governor Clears 5% Deposit Scheme on Stability Grounds
  42. MFAA Warns Referrer Reforms Could Catch Brokers in the Net
  43. Aussie Dollar Slumps as Rate Rise Fears Grip Markets
  44. Eftpos Surcharges End From October 2026: Boost for Household Budgets
  45. Buyers Regain Edge as Listings Surge to Highest Since 2019
  46. Australia's Rate Pressure: Almost a Million Workers Juggling Two Jobs
  47. Property Tax Overhaul Clears Lower House: What's at Stake
  48. Aussie Launches Rate Radar to Alert Borrowers on Refinancing
  49. Bullock Rules Out Stagflation as June Rate Decision Nears
  50. Inflation Could Stay Above Target Until 2028, RBA Warns
  51. Labor's Trust Tax Plan: What Property Investors Need to Know
  52. Macquarie Surges Past Rivals as BOQ and Suncorp Shrink
  53. Banks Tip RBA Rate Hold in June After CPI Softens
  54. Sydney, Melbourne Values Slide as Perth Surges Ahead

May 2026

  1. APRA Holds 3% Mortgage Buffer Amid Global Uncertainty
  2. RBA Tipped to Hold in June, But a Final Hike Still Looms
  3. Macquarie, NAB, ANZ Strip Negative Gearing From Investor Loans
  4. Penthouse Syndicate Settled: Choosing a Safe Mortgage Broker
  5. Labor's CGT Reforms: What Every Property Owner Must Know
  6. Westpac Hit With $26M Penalty for Hardship Failures
  7. Negative Gearing Changes Push Lenders to Tighten Investor Loans
  8. Why Build-to-Rent Won't Fix Australia's Rental Crisis
  9. CGT and Negative Gearing Reforms Hit Parliament This Week
  10. Adelaide Home Values: Why Entry-Level Outperforms the Top End
  11. Budget Tax Changes Give First Home Buyers a Window to Act
  12. Perth Homes Up 26%: What Buyers and Investors Need to Know
  13. Brisbane Units Outpace Houses as Buyers Hit Borrowing Limits
  14. Unemployment Hits 4.5%: What a June RBA Pause Means for Borrowers
  15. Gen Z FHB Enquiries Jump 22% as Rate Fears Resurface
  16. Sydney's Property Softening Opens a Buyer's Window
  17. Melbourne Property Slides for Fifth Month: Buyers Gain Leverage
  18. RBA Hikes Rates and Flags 1990s Recession Risk for Borrowers
  19. Australia's Housing Market Splits: Perth Soars, Sydney Dips
  20. Macquarie Axes Negative Gearing Add-Backs for New Investor Loans
  21. Coalition Vows to Repeal Negative Gearing Reform If Elected
  22. Budget Tax Reforms Lift First Home Buyer Confidence at Auctions
  23. CBA Lifts Mortgage Lending 7.1% as Arrears Tick Higher
  24. Home Loan Demand Cools as Rate Hikes Take Their Toll
  25. National Vacancy Rate Edges to 1.2% as Rents Rise 7.3% Annually
  26. Rate Hikes Drive Average Loans Past $696K as Confidence Slumps
  27. Budget 2026: Property Investors Face 30% CGT Floor from July 2027
  28. Negative Gearing Ends for Established Homes -- Budget 2026
  29. Third RBA Hike in a Row: How to Protect Your Repayments
  30. What NZ's Negative Gearing Experiment Warns Australia
  31. AI Mortgage Fraud Is Accelerating: ASIC Demands Action Now
  32. Rate Hikes Push Australia's Housing Market Toward Downturn
  33. Macquarie Grows Mortgage Book 28% by Betting on Brokers
  34. AI Mortgage Fraud Tops $3bn as ASIC Issues Urgent Warning
  35. Two More RBA Rate Hikes Expected: Just Not in June
  36. Infrastructure Hotspots: 12 Suburbs Tipped for Price Growth
  37. Hai Money Collapse: What Borrowers Need to Know
  38. Three RBA Rate Rises in 2026: What It Means for Your Mortgage
  39. Capital City House Rents Rise Again in April 2026
  40. Westpac Sheds Most Big Four Mortgage Share Since 2019
  41. RBA Lifts Cash Rate to 4.35% as Banks Diverge on What's Next
  42. Rate hike trims $18k in borrowing power as market cools
  43. Big Four banks pass on 0.25% rate rise from 15 May
  44. RBA lifts cash rate to 4.35%: third hike in 2026
  45. NAB Cuts Broker Access: What Borrowers Need to Know
  46. Big Four Sound Economic Alarm Ahead of RBA Call
  47. Building Approvals Fall 10.5%: Supply Crisis Deepens
  48. Budget May Curb Negative Gearing: What Investors Need to Know
  49. Sydney and Melbourne House Prices Slip as Perth Surges
  50. Macquarie and ING Lead March Investor Lending Surge
  51. ANZ Profit Up 14% as Brokers Drive 69% of New Home Loans
  52. Investor Loans Hit Two-Year High Despite Rate Hikes
  53. Third RBA Rate Hike in 2026: What Borrowers Should Do
  54. Why the 8.2 price-to-income ratio doesn't tell you if you can afford a home
  55. RBA at 3.85%: how to plan your FY26 mortgage strategy
  56. CGT and negative gearing on the table: what May Budget changes could mean for borrowers
  57. All four big banks tip 25bp RBA hike on 5 May after CPI spike
  58. Two-speed market: Perth dwellings up 2.1% in April as Sydney and Melbourne both fall 0.6%
  59. First Home Guarantee 2026: who actually qualifies now
  60. Fixed vs variable in 2026: the strategy guide
  61. LMI in 2026: when it's worth paying, when it's not
  62. Investor lending in 2026: interest-only is back
  63. Housing affordability hits 26-year low: broker reality check
  64. What is a comparison rate, and why does it matter?

April 2026

  1. First Home Guarantee: how the federal scheme actually works
  2. How the RBA cash rate affects your mortgage
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