Rates & Market
12 articles.
RBA Lifts Rates to 4.60%: What the September 2026 Rise Means for You
The RBA raised the cash rate to 4.60% on 29 September 2026, its fourth rise this year. Here's what it means for your repayments and what to do now.
How the RBA Cash Rate Affects Your Home Loan Rate
What is the cash rate, why does the RBA change it, and how does it flow through to your mortgage? A plain-English guide for Australian borrowers.
Fixed or Variable in 2026? How to Choose When Rates Are Rising
Should you fix your home loan rate in 2026? Compare fixed, variable and split loans in a rising rate environment, with the pros, cons and questions to ask.
Split Home Loans Explained: Part Fixed, Part Variable
A split loan lets you fix part of your mortgage and keep part variable. Here's how splits work, how to choose the ratio, and when a split makes sense.
Struggling With Mortgage Repayments? Your Options and Free Help
If rising rates have made your mortgage hard to manage, act early. Here are your options, from hardship arrangements to refinancing, plus free help available.
How Inflation Affects Interest Rates and Your Home Loan
Why does inflation push mortgage rates up? A plain-English explanation of how CPI, the RBA and your home loan are connected, with what to watch in 2026.
Australian Property Market Update: Spring 2026
Values have fallen for six straight months. The latest Cotality data for Sydney, Melbourne, Brisbane, Perth and the regions, and what it means for you.
Sydney Property Prices Are Falling: What Buyers and Owners Should Know
Sydney home values are down 7% over the year to September 2026. What's driving the fall and what it means for first home buyers, upgraders and owners.
Why Regional Property Is Outperforming the Capitals in 2026
Regional home values rose 5.6% over the year to September 2026 while capitals fell. Why the regions are holding up and what lenders look for outside the cities.
How to Build a Mortgage Buffer (and Why It Matters More in 2026)
A mortgage buffer protects you from rate rises, job changes and surprise bills. How much to aim for, where to keep it, and how to build one on a tight budget.
Negative Gearing and CGT Changes From 2027: What Investors Need to Know
From 1 July 2027 negative gearing is limited to new builds and the CGT discount is replaced. Who's affected, what's grandfathered and what to do now.
When Rates Rise, When Do Your Repayments Actually Change?
Your lender passes on an RBA rise within days, but your repayment may not change for weeks. Here's how notice periods work and how to get ahead of the increase.
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