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Recent Blogs

How banks decide if you can afford rising interest rates

When you apply for a mortgage, whether it's the cheapest home loan or not, lenders in Australia will evaluate your repayment capacity under rising interest rates. As part of this process, the lender also considers whether you’d be able to continue making your repayments if interest rates were to rise.

10 September 2024
Rents keep climbing, but pace is easing

Over the past five years, property investors in Australia have seen significant gains, with the national median rent increasing by 39.7%. However, in July, rent growth slowed to just 0.1%, marking the slowest pace since 2020, according to CoreLogic. While rental prices are still on the rise, the growth rate is beginning to ease across the country.

3 September 2024
Property investors very active in the market

Home loan volumes have significantly increased over the past year, especially among investors. Investors committed to $10.67 billion of mortgages in May, according to the latest data from the Australian Bureau of Statistics. That was 29.5% higher than the year before.

20 August 2024

Home Loan Essentials

Refinancing FAQs for Australian Expats: Expert Insights by Aussie Expat Home Loans

Expat Australians with fixed-rate home loans expiring in 2024 are looking at the impact of interest rate rises on monthly repayments and refinancing options.

Cheapest Home Loan Interest Rates in Australia: How to Get Them

Buying a home is one of the biggest financial investments most people make. It's a long-term commitment that requires careful planning and consideration. The home loan rate is one of the most critical factors when purchasing a home. It's crucial to secure a cheap home loan rate to reduce the overall cost, which can save borrowers thousands of dollars over the life of the loan. This article will discuss getting the cheapest home loan rates in Australia. We'll explore the different options and strategies that can help you secure a low-interest-rate loan and look at the potential risks and benefits of low-interest-rate loans.

Minimum Deposit for a Home Loan in Australia: How to Prepare

When you're overseas, it's every expat's goal to come back to Australia in a comfortable position, and part of this comfort is having a a house to move back into and not joining the ultra-competitive rental market. The question that most expats then have is: How much do I need to save to ensure I can afford the house I want? This article helps to break down the different considerations of saving for your minimum deposit for a home loan in Australia.

Market Trends & Insights

Making the Most of Your Time Overseas: Building Assets Back Home

Many Aussie expats use their time overseas to accelerate financially. Here’s how Australians living abroad are buying property back home and building long-term assets. Moving offers higher earning potential, global career experience, and the ability to accelerate financially in ways you can't back in Australia. Expats also recognise something else- the overseas window is powerful, but it isn’t permanent. This naturally raises the question: "How do I make the most of that time whilst I am here?"

How Aussie Banks Are Stepping Up to Support Borrowers in Tough Times

If you’re an Australian expat navigating life abroad, the last thing you need is uncertainty around your finances back home. Whether you’re living in Singapore, Hong Kong, Dubai, or beyond, staying on top of your Australian mortgage from overseas isn’t always straightforward - especially during times of personal or financial stress.

25 September 2025
Is It Time to Reassess Your Home Loan? Key Questions for Expats Abroad

In a lending market that’s moving in different directions at once, it's easy to assume that lower rates elsewhere mean it’s time to refinance. But for many expats, the smarter move might not be switching lenders — it’s simply getting clear on where you stand.

15 September 2025

Strategy & Decision Making

Should I buy a house in Australia now or wait for mortgage rates to go down? - expert insights.

Several experts anticipate the Reserve Bank will begin lowering interest rates in the fourth quarter of 2024. So, if you want to enter the market, should you buy now or wait for mortgage rates to go down?

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