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The post June 2024 Property Market Update appeared first on Home Loan Experts ..read more

Many of us find ourselves continually surprised by the relentless rise in property prices. The market often feels like a distant dream, slipping further out of reach with each passing year. But is this truly a new phenomenon? Let’s examine the data and explore how incomes and property prices have evolved over time. How Property Prices Have Changed Over the Decades The relationship between income and property prices was different in the past, yet affordability challenges still persisted. For example, Housing Affordability Australia data shows that in the 1980s, the median house price was about ..read more

The Reserve Bank of Australia (RBA) has indicated that it might not cut its cash rate until next year, causing a shock to market sentiment and changing lenders’ strategies. Home Loan Experts delves into why inflation remains stubbornly high and what strategies homeowners, investors and prospective homebuyers can adopt to navigate the evolving economic landscape. The RBA’s Cautious Stance The RBA has maintained the cash rate at 4.35% since January 2024, reflecting a cautious approach amidst ongoing economic uncertainties and persistent inflation. The RBA had suggested that rate cuts might comme ..read more

The 2024-25 NSW Budget has landed, bringing with it a mix of opportunities and challenges that could affect everyone from homebuyers to public-sector workers. Let’s dive into the details and explore who’s coming out on top and who’s feeling the pinch. Who’s Winning? Homebuyers And Renters: This budget is a breath of fresh air for those struggling to find affordable housing. The government is pouring $5.1 billion into building social housing, including 8400 homes, of which 6200 will be new and 2200 will be replacements (with priority given to survivors of domestic and family violence). This pr ..read more

The Malinauskas Labor Government is bringing a wave of good news for first-home buyers in South Australia. As part of the 2024-25 Budget, the state has taken a major step towards making homeownership more accessible and affordable. What’s New? First-home buyers who purchase or build a new home, including houses, flats, units, townhouses or apartments, will no longer have to pay stamp duty. This also applies to off-the-plan apartments, house-and-land packages, and vacant land for building a new home. The $15,000 First Home Owner Grant will be available to all eligible first-home buyers without ..read more

The Federal Budget 2024-25 promises measures to address the cost-of-living squeeze, support homebuyers and boost housing supply. These measures are likely to be met with a sigh of relief from mortgage holders nationwide. But a potential tightening of the monetary screws by the Reserve Bank could dampen the positive sentiment. Here’s a breakdown of the key points relevant to home loan borrowers and those looking to enter the property market. Easing Cost-of-Living Pressures The Budget offers various relief measures to ease the financial burden on Australians. The government is providing $1.9 bi ..read more

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Property investment can be a great way to grow your wealth, but it’s important to understand the market and plan your finances wisely. We’re proud to feature insights from Home Loan Experts mortgage brokers Robert Mo and Jonathan Preston. They bring you the essential strategies you need to succeed in property investment. Whether you’re a beginner or a seasoned investor looking to refine your approach, this blog will equip you with the knowledge and confidence to make smart decisions. Understanding Market Potential And Risk Robert Mo emphasises the importance of looking beyond familiar territor ..read more