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14/08/2025

RBA UPDATE | Effective August 13, 2025

At its August monetary policy meeting, the Reserve Bank of Australia (RBA) handed down its third cash rate call of the year. The central bank has cut interest rates by 25 basis points, bringing the official cash rate to 3.60%. The decision was unanimous, with all board members voting in favour of the cut.

Borrowers can expect modest relief as lenders begin to pass on the reduction. According to Canstar, a full 0.25% cut could mean an extra $89 per month for those with a $600,000 mortgage, with the average variable rate now sitting at 5.54%.

Meanwhile, property prices continued to climb in July, rising 0.6% nationally for the third consecutive month. Every capital city posted gains, led by Darwin (+2.2%), Perth (+0.9%), and Brisbane/Adelaide (+0.7%). Even slower markets like Melbourne (+0.4%), Canberra (+0.5%), and Hobart (+0.1%) saw positive movement.

One standout stat: the price gap between houses and units has hit a record high, with houses now valued 32.3% higher than units – a difference of around $223,000.

Looking ahead, further rate cuts and tight housing supply are expected to support continued growth, though affordability and household debt remain key constraints.

If you’re unsure how this change affects your home loan, speak to your mortgage broker. The RBA’s next meeting is scheduled for Tuesday, September 30.

06/08/2025

Is finance worth it for used equipment?

When it comes to investing in equipment, buying brand new isn’t always necessary or financially practical.

Many businesses are turning to used equipment finance as a cost-effective way to upgrade operations, especially when budgets are tight or immediate delivery is critical. But is financing second-hand machinery the right move for your business?
Save capital and stretch your budget - Used equipment is often significantly cheaper than new, which means financing a second-hand asset can stretch your budget further. For businesses needing to upgrade or expand without tying up large amounts of capital, used equipment finance offers a more affordable pathway. Monthly repayments are typically lower, and the return on investment can be seen faster.

Faster access, less depreciation - Second-hand assets are usually available for immediate delivery with no waiting on manufacturing or shipping delays. Plus, since the equipment has already depreciated, you won’t be hit with the sharp value drop that often comes with new purchases. This makes financing used gear particularly appealing for short-term projects or growing businesses that value flexibility.

But consider the risks - Used equipment may come with hidden wear and tear, shorter lifespans, or outdated features. Some lenders may also apply stricter criteria or shorter loan terms due to the perceived higher risk. It’s essential to factor in the asset’s condition, resale value, and expected lifespan before committing.

Whether new or used, the best person to speak to is your finance broker, who can help you compare your options.

03/08/2025

Australia’s commercial property market avoids tariff drama

Australia’s commercial property market is emerging as a standout performer in 2025, fuelled by foreign capital inflows and the appeal of falling local interest rates.

This renewed investor interest has been partly driven by global economic uncertainty, particularly fallout from US trade tensions, according to CBRE. US Federal Reserve Chairman Jerome Powell said the Federal Reserve would have cut rates further if not for inflation risks linked to tariffs. In contrast, Australia’s economy has remained largely insulated from those pressures, positioning it as a safe haven for capital across the Asia-Pacific.

CBRE said Australia’s relative stability, combined with falling interest rates, makes it one of the most attractive destinations for global investors.

30/07/2025

Interest rate cuts fuel commercial property surge in Australia

Australia’s commercial property market has recorded a strong first half of 2025, with transactions rising 13% year-on-year to $15.5 billion. According to new data from CBRE, this upswing has been driven by two interest rate cuts and growing expectations of further monetary easing.

The industrial and logistics sector was the standout performer, with transactions nearly doubling to $5.4 billion thanks to a wave of portfolio deals. Retail also attracted renewed investor confidence, recording $4.7 billion in sales, up 29% year-on-year, as the market continues to stabilise post-rent rebasing.

While the office sector saw an 11% dip in volumes to $3.8 billion, analysts pointed to a pricing mismatch driven by rising rent expectations. As investors seek better value, activity has begun to shift away from Sydney toward Brisbane, Melbourne and Perth.

CBRE said that offshore investment was also on the rise, up 17% from last year and accounting for 28% of all capital deployed. North American investors led the charge, contributing $1.7 billion in deals, followed by Japan with $900 million.

26/07/2025

Three advantages of consolidating debt when rates are falling

Consolidating debt when interest rates are falling can be a smart financial move, helping you take advantage of lower costs and regain control of your repayments.

Lower interest costs

When rates fall, consolidating high-interest debts like credit cards into a personal loan with a lower rate can significantly reduce your overall interest charges, saving you money over the life of the loan.

Simplified repayments

Managing one loan instead of several makes budgeting easier. You’ll only have one due date, one lender, and one fixed repayment, helping you stay on top of your finances and avoid late fees.

Faster debt reduction

With less interest accruing, more of your repayment goes toward the principal. This can help you pay off your debt faster, especially if you maintain the same repayment amount even after switching to a lower rate.

22/07/2025

Winter slows listings, but long-term supply shows signs of growth

Residential property listings across Australia dropped sharply in June 2025, as winter’s seasonal lull took hold.

According to SQM Research, total listings fell 8.8% over the month to 234,067 properties. While activity slowed month-on-month, overall supply remains marginally higher than this time last year, up 1% compared to June 2024, suggesting a gradual easing of longer-term market pressure.

Melbourne saw the largest monthly fall at 12%, down to 36,838 listings, slightly lower than June 2024. Sydney followed with a 10.3% drop, but its 31,489 total listings were still 6.7% higher than a year ago, indicating a modest build-up in housing supply. Brisbane listings fell 7.3% over the month and are now 3.5% lower than last year.

Perth stood out as the strongest performer year-on-year, with listings up 23.5% despite a 9.7% monthly decline. Canberra and Adelaide also showed solid annual gains, while Darwin bucked the trend with a steep 32.7% drop in listings compared to 2024.

18/07/2025

Why pre-approvals make sense for asset and equipment finance

When it comes to acquiring business equipment or vehicles, timing and confidence are everything, and that’s where a finance pre-approval gives you the edge.

A pre-approval means a lender has reviewed your financials and given you the green light to borrow up to a certain amount. This puts you in a far stronger negotiating position when dealing with suppliers. You’ll know your budget up front, which means you can act quickly if the right deal or piece of equipment comes up.

Suppliers are also more likely to take you seriously if they know your finance is already approved. It streamlines the process, speeds up delivery, and can even help you negotiate better pricing or terms because you’re seen as a ready buyer.

Pre-approval is not a full loan contract, but it gives your business clarity. It’s also a smart move if you want to shop around without the pressure of arranging finance after you’ve committed.

15/07/2025

Why refinancing makes sense when rates are falling

When interest rates start to fall, it can be the perfect time to reassess your current loan.

By switching to a lower-rate loan, you could significantly reduce your monthly repayments, improve cash flow, or pay off your loan faster without increasing your repayments.

Refinancing when rates are declining allows you to lock in better terms, especially if your existing loan was taken out during a higher-rate period. This can lead to thousands saved over the life of the loan. It’s also an opportunity to consolidate debt, access equity for renovations or investment, or switch to a more flexible loan structure that suits your goals.

Keep in mind, timing matters. Lenders often become more competitive when rates fall, so you may be able to secure added perks like waived fees or cashback offers. However, it's essential to factor in any break fees, new loan costs, or changes to loan features.

Speak to a mortgage broker today to compare your options.

10/07/2025

What could your home be worth in 2030?

Australia’s property market could see major price increases by 2030 if the growth of the past five years continues, according to new PropTrack modelling. Some cities could experience 60–100% gains, while others are forecast to grow more modestly.
● Sydney: Median house prices could rise 61% to $2.4 million, with Bellevue Hill hitting a record $13.5 million.

● Melbourne: House prices may grow just 17%, taking the median to $1.001 million, with units rising slightly to $625,000.

● Brisbane: Median house prices could jump 68% to $1.53 million, fuelled by strong interstate migration.

● Adelaide: A projected 75% increase could see house prices hit $1.474 million, with northern suburbs leading the charge.

● Perth: Forecast growth of 66% could significantly lift affordability pressures as population and jobs drive demand.

● Hobart: Dodges Ferry and Rokeby could exceed $1.2 million, with 17 suburbs reaching $1M+ if trends continue.

● Darwin: Muirhead could see 107% growth to $1.512 million, the strongest projected increase nationwide.

● Canberra: House prices are forecast to grow 40%, supported by stable demand and strong fundamentals.

09/07/2025

RBA UPDATE | Effective July 9, 2025

The Reserve Bank of Australia (RBA) has held the official cash rate steady at 3.85%, defying widespread expectations of a cut. This marks a cautious pause after two earlier cuts in February and May.

Why the hold? Despite easing inflation and slowing growth, the RBA board opted to wait for more data before making another move. In its statement, the board noted it wanted “a little more information to confirm that inflation remains on track to reach 2.5% on a sustainable basis”.

Notably, the decision wasn’t unanimous — six members voted to hold, while three supported a cut.

Mortgage holders hoping for relief will need to wait at least another month. Meanwhile, despite growing cost-of-living concerns, many Australians are still choosing to maintain higher repayments to get ahead on their loans.

Looking ahead, several factors are expected to shape the housing market for the remainder of the year. On the positive side, interest rates are forecast to fall further, possibly to the early 3% or even high 2% range by year's end, which should improve consumer sentiment and borrowing capacity. However, affordability constraints, elevated household debt levels, and a cautious lending environment may temper growth.

If you have any concerns with your current home loan, reach out to your mortgage broker. The RBA's next meeting will be announced on Tuesday, August 12.

19/06/2025

Investors eye tourism assets

Australia’s tourism and hotel market is roaring back, with international arrivals forecast to hit 8.3 million in 2025, 88% of pre-pandemic levels. That figure is set to climb to 10 million by 2026 and 11.8 million by 2029, reflecting a 41% jump from 2024, according to Ray White.

Visitor spending has already overtaken 2019 levels, reaching $33.2 billion in 2024. By 2029, that figure is expected to hit $48.5 billion, boosted by higher travel costs and a focus on high-value travellers. Markets such as Vietnam, South Korea, and India are leading the recovery, while Chinese tourism is steadily rebuilding, with China expected to reclaim its position as Australia’s largest inbound market by 2027.

The surge in visitor numbers has seen hotel investment rebound strongly. Transaction volumes jumped over 100% year-on-year in Q1 2025 to $791.8 million, with Sydney and Melbourne remaining top targets for offshore capital. Singapore leads the way among foreign investors, closely followed by Canada and Thailand.

With the dollar low and global uncertainty pushing more travellers toward stable destinations, Australia is becoming increasingly attractive. Occupancy is up to 72.6%, ADRs are rising, and new hotel supply remains limited.

19/06/2025

Farmland set to rebound

After a year of slowing prices, Australian farmland values are tipped to rebound in 2025, with Rabobank forecasting average growth of around 3 per cent.

This follows a 6 per cent decline in 2024, a cooling-off period after farmland prices surged 79 per cent between 2020 and 2023. While the outlook suggests a return to growth, the pace is expected to remain slower compared to recent years, with buyers becoming more value-focused.

Last year’s downturn hit some sectors harder than others, with grazing land seeing a sharp 13 per cent decline, while arable cropping land proved more resilient, dropping just 2.6 per cent. Performance also varied by region, with Western Australia and South Australia posting double-digit gains, while Tasmania experienced the steepest drop at 12 per cent.

Falling commodity prices, high fertiliser costs and elevated interest rates all weighed on purchasing power in 2024. But Rabobank expects the tide to turn this year, supported by stronger crop prospects, firmer commodity prices, and potential interest rate cuts.

The market may not see a return to the boom times of 2020–2023, but steady growth and better on-farm margins could make 2025 a better year for both buyers and sellers in the agricultural sector.

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