With the 2025 updates, if your HELP balance is low or expected to be cleared soon, some banks may ignore or reduce your HELP repayment as an ongoing expense.
HELP Debt Changes Are Shifting Borrowing Power in 2025: What You Need to Know
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With you on your property journey
First Home Buyer
Property Values Accelerate Through Spring
For anyone trying to buy their first home, the current environment is challenging. Rising prices mean saving for a deposit is harder, and competition for available properties is stiff.
Updated First Home Guarantee Scheme: 5% Deposits, No Income Limits, Higher Price Caps
Home Guarantee Scheme is designed to help eligible first-home buyers and other groups enter the property market by reducing the deposit hurdle.
RBA Holds Cash Rate In September
The Reserve Bank of Australia (RBA) has decided to keep the official cash rate on hold at 3.60 per cent in September.
Will the RBA Cut Rates Again Next Week?
Mark Bouris says that based on current data, there’s not a strong argument to support further rate cuts in 2025.
The Great Housing Mismatch: Smaller Households, Bigger Homes
Developers find it more economical to build four-bedroom homes than smaller, more diverse housing options.
How Lenders Assess Equity
Home equity is an important financial tool, but lenders assess it carefully based on LVR, property valuations, and your personal financial profile.
Are Modular Homes the solution to Australia’s Housing Crisis?
Modular construction, with its rapid build times (often 10–16 weeks, compared to 55 weeks for traditional builds), presents a viable solution to significant housing shortfall.
Understanding Property Valuations: What You Need to Know
Sometimes, a valuation is less than expected. In this case, you might need to increase your deposit, renegotiate the purchase price, or consider a guarantor.