Alexander Heifetz - Loan Market

07/09/2026

🏘️ Real estate agents operate under strict legal and regulatory rules. They can face fines, disciplinary action or legal consequences for misleading conduct or failing their obligations.

🏘️ Agents must present offers to the seller until the contract is finalised. They also have a duty to act in the seller’s best interests and seek the best possible outcome.

🏘️ Agents must be honest with buyers about important property information. They cannot conceal known issues that could reasonably influence a buyer’s decision.

🏘️ Gazumping is legal until signed contracts are exchanged. Buyers can reduce the risk by making attractive offers, offering flexible terms and staying in close contact with the selling agent.

🏘️ Sellers can lose money when emotion leads them to overprice their property. Competitive buyer interest, particularly early in the campaign, is more likely to drive a stronger sale price.

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

In this article, I want to dispel the myths and the grey areas of common problems that buyers and sellers have with real estate agents.

07/09/2026

Most people start looking at property based on a guess of what they can afford. They take their income, subtract the mortgage their mate has, adjust for vibes.

A capacity conversation takes about 20 minutes. It costs nothing and could save you valuable time and possible heartbreak. 💔

Call it sense and serviceability.

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

06/09/2026

For the dad who somehow knew rates were moving before the RBA did. Who's been providing advice since 1995, whether you asked for it or not.

He's never worked in finance but insists you should have "just asked him first" before you signed anything.

And somehow, annoyingly, he's usually right.

Happy Father's Day 💙

04/09/2026

NAB now expects the RBA to hike in September

Key points

• We now expect the RBA to increase the cash rate by 25bp in September to 4.6%.
• July CPI data showed inflation running hotter than the RBA expected in early August, and the RBA has repeatedly signalled in recent weeks that the Monetary Policy Board would act if upside risks to inflation were realised.
• The risk is biased towards an additional hike in November, especially if activity data shows resilience in coming months.
• A more restrictive stance is needed for now. We expect a gradual normalisation back towards a more neutral setting of monetary policy from August 2027.

Detail

After yesterday’s stronger than expected inflation data, we are changing our view on the RBA and now expect a 25bp rate hike at the September meeting. That would take the cash rate to a new cycle high of 4.6%.

The 0.5% mom reading on trimmed mean inflation was broad-based and our early read through suggests a Q3 quarterly trimmed mean print of 1.0%-1.1%, materially higher than the RBA's August forecast of 0.83%; see our data note for more detail.

If our upwardly revised 3Q core CPI forecast is broadly correct, then the annual rate of core inflation as of 3Q will be no lower than it was in Q2, reflecting a more challenging starting point and implying that the return to the 2-3% target band may take even longer than forecast earlier this month. This will not be an acceptable outcome for the RBA, not least because it implies lower real short rates, all else equal, at a time when the RBA policy rate is at a level it considers only “somewhat restrictive”.

RBA officials have been very clear in recent months that firstly, risks to their inflation forecast were tilted to the upside; and secondly, that if those risks were realised then the Board would respond with a rate hike. The minutes from the August Board meeting earlier this week reinforced this messaging. In our view, yesterday’s data crystallise upside risks to inflation and thus a hike in September is more likely than not. We think it unlikely that activity data between now and the September board meeting will be weak enough to deter the Board from hiking.

The risk to a near-term hike is that the Board decides to wait for more inflation data. The August monthly inflation data is published the day after the September Board meeting, with the full Q3 data available ahead of the November meeting. In this instance, the November Board meeting would be the natural opportunity for a hike.

However, the mention of pre-emption in this week’s Board meeting minutes underscores that there is very limited tolerance for higher-than-forecast inflation outcomes. Having opted against the argument that tightening policy preemptively could be appropriate to manage upside risks in August, the Board may now feel a sense of urgency. The RBA were wrong footed last year by a resurgence in inflation, and this has left them with little or no flexibility with respect to inflation outcomes. Indeed, the August Board meeting minutes noted that “Several members judged that it was quite possible that the upside risks to the inflation forecast would crystallise, requiring some further tightening.”

Will one hike be enough? Or will the RBA need to hike in September and November? At this stage, we look for one hike to a cash rate peak of 4.6%. With policy already “somewhat restrictive”, another hike will take the overall policy setting more clearly into restrictive territory. And with growth already slowing, and the RBA explicitly attuned to downside risks to the labour market and from the housing market, we see one further tightening as the most likely outcome. However, risks are biased to a follow up hike, especially if resilience in activity data emerges ahead of the November meeting.

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

04/09/2026

Australians are regularly told that inflation is running at a certain annual rate, yet many households look at their mortgage payments, rent, electricity bills, council rates, and insurance premiums and wonder whose cost of living the official figures really measure.

✅ Since 2000, overall housing costs have increased by an average of 4 per cent a year, compared with CPI inflation of 3 per cent.

✅ Ashley Owen’s analysis shows electricity and gas prices have more than quadrupled, while state property taxes have risen by around 250 per cent.

✅ Federal policies have added demand through population growth, grants, guarantees and tax settings without ensuring sufficient housing supply.

✅ State governments have increased taxes and construction costs while failing to release enough serviced land or deliver efficient planning systems.

✅ Local councils have restricted density, delayed approvals and imposed costly infrastructure and compliance requirements.

✅ Investors and homeowners absorb many of these costs initially, but over time a large proportion flows through to tenants in higher rents.

✅ Australia’s housing affordability crisis is the predictable result of decades of policies that increased demand, restricted supply and raised the cost of providing homes.

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

Australians are regularly told that inflation is running at a certain annual rate, yet many households look at their mortgage payments, rent, electricity...

04/09/2026

Lifelong renters face 'looming crisis' as they reach retirement, demographer warns.

During my 23 years in the finance industry, I met quite a few people in this situation. Some told me, 10, 15 or even 20 years ago, that they had done the numbers and believed it was still cheaper to rent than to buy. Despite my arguments—and the figures showing the long-term benefits of paying off your own mortgage rather than contributing to someone else’s investment loan—they chose to continue renting.

Some eventually purchased a property, while others remained renters.

I also encountered people who sold their homes and returned to renting simply because it was cheaper at that particular point in time. Unfortunately, some did not consider how difficult it might become to re-enter the property market later, particularly as property prices and borrowing requirements changed.

There is no one-size-fits-all answer when it comes to renting versus buying. But decisions that make sense financially today can have very different consequences over the course of 10, 20 or 30 years—especially when retirement approaches.

This is why I believe it is so important to look beyond the immediate cost and consider the long-term implications of our housing decisions.

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

More people are edging towards retirement as "forever renters". They are making tough decisions about work, where to live and how they will afford to retire.

04/09/2026

Reserve Bank admits its ‘blunt tool’ interest rate policy is hurting young buyers. The Reserve Bank has warned it still has a job to do on inflation as a Senate inquiry hears younger Australians and first-home buyers are bearing the brunt of rate hikes.

Younger Australians and first-home buyers are disproportionately being hit by higher interest rate cost, as the Reserve Bank warns it has a job to do. During a Senate inquiry into the nation’s housing crisis RBA chief economist Sarah Hunter acknowledged monetary policy is limited on who it impacts. “Monetary policy is a blunt tool but it does work, it does do the job we want it to do,” she said...

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

Younger Australians and first-home buyers are disproportionately being hit by higher interest rate cost, as the Reserve Bank warns it has a job to do.During a Senate inquiry into the nation’s housing crisis RBA chief economist Sarah Hunter acknowledged monetary policy is limited on who it impacts.

04/09/2026

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

02/09/2026

✅ We compare your options across our lender panel, not just the big four.

✅ We handle the paperwork so you're not chasing it yourself - statements, payslips, the lot.

✅ We negotiate directly with lenders on rate and structure.

✅ We check the fine print for things that don't show up in the headline rate including redraw fees, offset accounts, break costs & extra repayment caps.

✅ We stay in your corner after settlement too, checking your rate against the market so you're not quietly overpaying a year in.

✅ We work for you. Not the bank.

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

01/09/2026

🏠 Cotality's national Home Value Index fell 0.9% in August, marking a fifth consecutive month of decline and taking national home values 3.6% below the market peak recorded in March.

🏠 The downturn is becoming more widespread, with 93% of capital city suburbs recording a value decline through winter.

🏠 Sydney leads the downturn with values down 1.4% in August (7.1% below peak), outpacing its earlier 2022-23 correction due to falling demand and higher stock levels.

🏠 Quarterly sales tracked 15.5% lower than last year, driving total advertised capital city listings 24% higher than a year ago as homes take longer to sell.

🏠 Longer selling times and low auction clearance rates signal a buyer's market, though buyers currently lack the confidence to transact.

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

Home value declines spread sharply across Australia's housing market through winter, with home values falling across 93% of capital city suburbs and every...