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Could investors selling create opportunities for home buyers?What creates pressure for property investors to sell can al...
14/10/2026

Could investors selling create opportunities for home buyers?

What creates pressure for property investors to sell can also create opportunities for owner occupiers and first home buyers.

If investors begin selling because rental yields no longer justify holding their properties, several things could happen.

More properties for sale: Buyers may have greater choice and more opportunities to find a property that suits their needs and budget.

Less competition: Investors withdrawing from the market could create opportunities for owner occupiers who have struggled to compete.

Greater negotiating power: Vendors who need to sell may become more flexible on price and settlement conditions.

Potential price adjustments: Buyers previously priced out of certain areas may find new opportunities if property values soften.

Of course, investors selling doesn’t automatically mean property prices will fall. Population growth, housing supply, interest rates and buyer demand will continue to influence the market.

And while negative gearing hasn’t been abolished nationally, discussions about potential policy changes can influence investor confidence and future decisions.

Could this be an opportunity for people who’ve been waiting to buy?

Possibly. But rather than trying to predict exactly what property prices will do, there’s something buyers can do right now.

Get financially prepared.

If more investment properties come onto the market, will you be ready to act when the right property becomes available?

At Thrive Broking, our brokers can help you understand:

* How much you may be able to borrow under current lending conditions.
* What deposit you may need and whether you have other options.
* Whether you’re in a position to obtain home loan pre-approval.
* How different lenders assess your income, expenses and existing commitments.
* What your potential repayments could look like before making an offer.

You don’t have to wait for property prices to change before finding out where you stand.

The opportunity may be in being prepared before everyone else starts looking.

Thinking about buying your first home, moving or purchasing another property?

Talk to us about getting finance ready.

📞 0489 085 525

Thrive Broking | Helping Australians make informed finance decisions.

Too many loan repayments eating into your pay?When you’ve got several loans and bills, keeping up with different repaym...
11/10/2026

Too many loan repayments eating into your pay?

When you’ve got several loans and bills, keeping up with different repayments and due dates can become frustrating.

Debt consolidation may allow you to combine eligible debts into one loan with one regular repayment.

Thrive Broking can review your existing commitments, compare suitable lenders and help you understand whether consolidating makes financial sense.

A lower repayment doesn’t always mean a lower overall cost, particularly if the loan term is extended.

Want to know whether consolidating your debts could make things easier?

Call Thrive Broking on 0489 085 525 or send us a text message with what you’re looking to consolidate. We’ll help you explore your options.

“Anyone who lives within their means suffers from a lack of imagination.”Often attributed to Oscar Wilde.I saw this toda...
02/10/2026

“Anyone who lives within their means suffers from a lack of imagination.”
Often attributed to Oscar Wilde.

I saw this today and it made me think.

I don’t read it as permission to be reckless with money. I read it as a reminder that where you are financially today doesn’t have to dictate the size of the life you’re trying to build.

Sometimes the dream comes first. Then you work out how to fund it, grow into it, stage it, or make it pay for itself.

There’s a difference between living recklessly beyond your means and having the imagination to build beyond your current means.

Dream bigger than your current circumstances. Then make a plan to get there.

Before the next interest rate decision, there are four numbers every home loan borrower should probably know.Your curren...
18/09/2026

Before the next interest rate decision, there are four numbers every home loan borrower should probably know.

Your current interest rate.

Your loan balance.

Your remaining loan term.

And your actual monthly repayment.

It sounds simple, but plenty of people know what comes out of their account each month without knowing whether the rate they’re paying is still competitive.

And with rates where they are now, small differences can add up.

Before worrying about what the RBA might do next, it’s worth knowing exactly where your own loan stands today.

Because the headline interest rate is one thing.

What it means for your mortgage is what really matters.

If you haven’t reviewed your home loan for a while, message me your current rate, approximate balance and remaining term and I can help you look at what options may be available.

If home loan rates do rise again, the worst time to start looking at your options is after the repayments have already b...
17/09/2026

If home loan rates do rise again, the worst time to start looking at your options is after the repayments have already become uncomfortable.

There are a few things borrowers can review now.

You may be able to:

• ask your existing lender to reprice your loan
• compare your current rate with other lenders
• look at whether refinancing makes sense
• review whether your loan structure still suits you
• check whether an offset account is being used effectively
• look at fixed, variable or split options
• review the remaining loan term and repayment structure
• consolidate other debts where appropriate

Not every option will suit every borrower.

Sometimes the best outcome is staying exactly where you are but getting a better rate from your existing lender.

Sometimes refinancing can make a meaningful difference.

And sometimes the rate isn’t the only issue. The structure of the loan, the remaining term, other debts and the overall household budget can matter just as much.

The important part is knowing what your current position actually looks like before you need to make a rushed decision.

If you haven’t reviewed your home loan for a while, this is probably a good time to do it.

The home loan rate conversation isn’t just about what happened in the past.It’s very much about what could happen next.T...
16/09/2026

The home loan rate conversation isn’t just about what happened in the past.

It’s very much about what could happen next.

The RBA cash rate is currently 4.35%, after three increases already in 2026.

And there is growing speculation that rates could rise again before the end of the year.

The major banks are now forecasting at least one further increase.

NAB is forecasting a 0.25% rise in September, while CommBank, ANZ and Westpac are forecasting a 0.25% rise in November.

Nothing is guaranteed. The RBA will make its decision based on the economic data available at the time.

But inflation remains too high, and that is keeping further rate increases firmly in the conversation.

For borrowers, another 0.25% might not sound like much.

But after three increases already this year, every additional rise adds to the previous ones.

And for households already dealing with higher mortgage repayments alongside groceries, insurance, electricity, council rates and other living costs, that pressure adds up.

The next RBA decision is on 29 September.

For anyone with a home loan, I think this is a conversation worth paying attention to.

When home loan rates move by 0.25%, it can sound fairly small.But on a large mortgage, it adds up.Using an $800,000 home...
15/09/2026

When home loan rates move by 0.25%, it can sound fairly small.

But on a large mortgage, it adds up.

Using an $800,000 home loan over 20 years as an example:

At 6.00%: about $5,731 per month
At 6.25%: about $5,847 per month
At 6.50%: about $5,965 per month
At 6.75%: about $6,083 per month
At 7.00%: about $6,202 per month

So a 0.25% increase can add around $115 to $120 a month to repayments on a loan of that size.

A 0.50% increase can mean roughly another $230 a month.

And that’s before you add everything else that has gone up in recent years.

Groceries.

Insurance.

Council rates.

Electricity.

School costs.

Fuel.

The rate itself might move by only a fraction of a percentage point.

The pressure on a household budget can feel much bigger.

That’s why it’s worth understanding not only where rates are sitting, but what each change actually means in dollars.

Looking back at historical home loan rates is interesting, but the interest rate is only part of the story.The size of t...
14/09/2026

Looking back at historical home loan rates is interesting, but the interest rate is only part of the story.

The size of the mortgage matters just as much.

A borrower paying 10% interest on a relatively small mortgage decades ago was dealing with a very different repayment than someone carrying a much larger loan today.

For example, on an $800,000 home loan over 20 years, principal and interest repayments would be approximately:

6% = $5,731 per month
7% = $6,202 per month
8% = $6,691 per month
9% = $7,198 per month
10% = $7,720 per month

That is why simply saying “rates were higher in the 1990s” doesn’t tell the whole story.

Yes, they were.

But the amount borrowed matters too.

And when rates rise on a large mortgage, even a relatively small increase can make a noticeable difference to a household budget.

That’s where the conversation about today’s home loan pressure really begins.

Following on from the conversation about the different types of home loan rates, I wanted to look at one measure consist...
13/09/2026

Following on from the conversation about the different types of home loan rates, I wanted to look at one measure consistently over time.

These are the major banks’ advertised standard variable or reference home loan rates, rather than fixed rates or heavily discounted offers.

Using approximately the rate at the end of each year as a guide:

1990: 15.00%
1991: 12.00%
1992: 10.00%
1993: 8.75%
1994: 10.50%
1995: 10.50%
1996: 8.25%
1997: 6.70%
1998: 6.50%
1999: 6.80%

2000: 8.05%
2001: 6.05%
2002: 6.55%
2003: 7.05%
2004: 7.05%
2005: 7.30%
2006: 8.05%
2007: 8.55%
2008: 6.85%
2009: 6.65%

2010: around 7.8%
2011: around 7.3%
2012: 6.44%
2013: 5.93%
2014: 5.93%
2015: 5.63%
2016: 5.26%
2017: around 5.25%
2018: around 5.4%
2019: around 4.8%

2020: 4.52%
2021: 4.52%
2022: 7.52%
2023: 8.77%
2024: 8.77%
2025: around 8.02%
2026: around 8.8%

There were obviously movements within individual years.

2008 is a good example. The standard variable rate climbed to around 9.6% during the year before falling sharply as interest rates were cut during the GFC.

And during COVID, although the standard variable reference rate was around 4.52%, some fixed and heavily discounted home loan offers fell below 2%.

That’s why the type of rate we are comparing matters.

Looking at the history this way, today’s standard variable reference rates are high compared with most of the past 15 years.

Australia has certainly seen higher rates before.

But there is another part of this story that has changed enormously.

The amount Australians are borrowing.

One thing that makes historical home loan rate conversations interesting is that two people can remember very different ...
13/09/2026

One thing that makes historical home loan rate conversations interesting is that two people can remember very different rates from the same period.

That’s because not all home loan rates are the same.

There is a difference between a major bank’s advertised standard variable reference rate and the rate an individual borrower may actually have been paying.

A borrower might have had:

• a package discount
• negotiated pricing
• a lower rate variable product
• a fixed rate
• a heavily discounted special

During COVID, for example, some fixed home loan rates fell below 2%, while the major banks’ advertised standard variable reference rates were much higher.

Both figures can be correct.

They are just measuring different things.

So if you want to compare home loan rates properly over time, you need to compare like with like.

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