Here's something that doesn't happen often: the Reserve Bank held the cash rate steady in June, and lenders started cutting anyway.

Since then, eighteen lenders have trimmed their variable home loan rates out-of-cycle. Fifteen now have variable rates sitting under 5.9%, and some fixed rates have dropped by as much as half a percent. None of that came from the RBA - the cash rate hasn't moved since June, still sitting at 4.35% after three rises earlier in the year.

Planning a build or knockdown rebuild in the Sutherland Shire? Here's how a construction loan actually works, what to get right before you sign, and how the local team at Sutherland Mortgage Group can help.

If you locked in a fixed rate a few years ago, there is a fair chance it is about to expire. You are not alone. Around 38% of Australian mortgages are due to roll off their fixed term in the next twelve months, and when they do, many borrowers find themselves moving onto a standard variable rate that is meaningfully higher than what they have been paying.

For as long as most of us can remember, the advice to first home buyers has been the same: save 20% and you'll avoid Lenders Mortgage Insurance. It was sensible advice once. In a Sydney market where the median price has long outrun the savings rate, it's become a finish line that keeps moving further away.

With just over five weeks until the end of the financial year, now is the moment to look under the hood of your investment loan..

If you caught any of the headlines from last night's Federal Budget, you've probably seen a lot of words like "shake-up", "sweeping changes", and "the biggest property reform in decades." Some of it is true. A lot of it misses the bit that actually matters for the people who already own property in Australia

Tens of thousands of Australian home loans fixed during 2021 and 2022 are still rolling off this year. If you locked in a 2-3% rate three or four years ago and you're about to roll onto your bank's variable, the next 10 minutes are worth spending.

If you're saving for your first home in Sydney, chances are someone has told you that you need a 20% deposit before you can even think about buying. It's one of the most common things we hear from first home buyers walking through our door - and it's one of the biggest myths in property.

The cash rate is currently 3.85% and, if forecasts are correct, could rise to around 4.10% mid-year. 

A cash rate rise simply means the RBA is “tapping the brakes” to slow spending and ease inflation. Inflation is currently 3.8%, while the RBA aims to keep it within a 2%–3% target range, which is considered a healthy rate for the economy.

Refinancing is one of those things most home owners know they should look at… but often put off.

It can feel like a hassle. Paperwork. Bank follow-ups. Confusing terms. And the fear that you’ll go through the process only to find out it wasn’t worth it.