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Speed Lending

Speed Lending-save time, save you. Service: Residential loan/ Commercial loan/ Assets finance

18/09/2026

🏠 This week in Australian property & finance

There's a strange situation developing in the market right now.

🏦 The RBA is still concerned about inflation, with further rate increases remaining a possibility. Governor Michele Bullock said this week that some upside inflation risks appear to be materialising.

💰 Meanwhile, CBA is currently offering a 5.20% p.a. 12-month special term deposit, showing just how different the savings environment has become compared with the ultra-low-rate years. Conditions apply.

🏗️ But higher borrowing and construction costs are hitting new housing. New home sales dropped 10% nationally in August and are now at their lowest level in more than a year.

For homeowners and buyers, there's a lot to consider right now.

If you're planning to buy or haven't reviewed your mortgage recently, understanding what your repayments could look like under different rate scenarios is worth considering.

📩 Get in touch if you'd like to review your home loan options.

11/09/2026

🏡 This week in Australian property

The market is changing—and buyers are starting to notice.

For years, cheap borrowing and rising property prices rewarded investors who were willing to take on more debt.

Today, the picture looks quite different.

📈 Interest rates are higher
🏠 Property growth is less predictable
💰 Investors are becoming more cautious
🤝 More properties are moving from auction to private treaty

There was also an important reminder for first home buyers this week.

Around 480 households who purchased through the 5% deposit scheme have reportedly fallen into negative equity following recent price declines.

That doesn't necessarily mean those homeowners are in financial trouble—but it does highlight why having a buffer matters, particularly when buying with a smaller deposit.

For anyone looking to enter the market, the focus shouldn't just be on getting approved.

It's also about making sure the loan remains comfortable if circumstances change.

📩 If you're planning to buy, refinance or invest, we're happy to help you understand your borrowing options.

04/09/2026

🏡 This week in Australian property

The housing conversation is changing.

It’s no longer just about whether prices are going up or down.

👥 More economists are warning that younger Australians who cannot access home ownership may find it harder to build long-term wealth.

💰 Help to Buy is giving eligible buyers another way into the market with a smaller deposit.

🏗️ Meanwhile, the construction sector continues to struggle, making it harder to add the housing supply Australia needs.

📉 And in parts of Sydney and Melbourne, prices are still adjusting — giving some buyers more negotiating power.

The takeaway?

A softer market can create opportunities, but preparation still matters.

Understanding your borrowing power, deposit options and long-term repayments can make all the difference.

📩 Thinking about buying your first home? It may be worth checking what options are available to you.

28/08/2026

🏠 This Week in Australian Property

Something interesting is happening in the housing market.

📉 Investor lending has fallen as Australia's new property tax settings reshape investment decisions.

🏗️ At the same time, new-build investment remains relatively attractive under the new negative gearing framework.

🔑 First home buyers are also showing renewed activity as reduced competition creates more opportunities.

But don't count on cheaper money just yet.

🏦 The RBA has kept the cash rate at 4.35%, with inflation still a key concern.

For anyone thinking about buying, the question may not simply be:

“When will rates come down?”

It may be:

“What opportunities are available while everyone else is waiting?”

21/08/2026

🏠 This week's Australian housing update

Whether you're renting or paying a mortgage, housing costs remain firmly in the spotlight.

📈 New modelling suggests changes to negative gearing could put additional upward pressure on rents in parts of Sydney.

💰 NSW's Smart Rental Bonds are starting to make moving easier by allowing eligible renters to transfer their bond rather than finding thousands of dollars for a second one.

🏦 At the same time, some of Australia's cheapest mortgage rates are becoming harder to secure as lenders adjust their offers.

The takeaway?

The cost of housing isn't just about the price of the property.

Rent, interest rates, deposits, repayments and ongoing cash flow all need to be part of the equation.

📩 If you haven't reviewed your home loan recently, it could be worth checking what options are available.

15/08/2026

🇦🇺 This week's Australian finance & property update

It feels like Aussie households are having to rethink almost everything right now.

💸 Cost-of-living pressure is forcing some families to cut spending.

🏦 The RBA has kept rates at 4.35% — but another rate rise hasn't been ruled out.

🚗 More families in outer suburbs are turning to EVs to reduce fuel and running costs.

🏠 Meanwhile, property prices remain under pressure, particularly across Sydney and Melbourne.

The common theme?

Households are becoming much more conscious about where every dollar goes.

Whether it's your mortgage, car or everyday expenses, understanding the long-term cost is becoming increasingly important.

📩 If your home loan hasn't been reviewed recently, it may be worth checking whether your current structure still suits your circumstances.

07/08/2026

🏡 This week's Australian Property Update

House prices are falling—but does that automatically make it a better time to buy?

📉 National home prices fell 0.3% in July.

🏦 Hopes for quick interest rate relief have weakened, meaning borrowers may need to prepare for higher rates for longer.

🏢 One Sydney apartment owner was reportedly hit with a massive $64,000 strata repair bill, highlighting the hidden costs that can come with apartment ownership.

🔨 Meanwhile, unusual renovation opportunities are appearing as the market becomes more selective.

The takeaway?

👉 Don't judge a property by its purchase price alone.

Loan repayments, strata costs, renovation expenses and long-term affordability all need to be considered.

📩 Planning to buy or refinance? Get in touch to discuss your lending options.

01/08/2026

🏡 Australia Property Update | This Week

The market is changing—but not every suburb is changing the same way.

📉 Melbourne sellers are becoming more realistic on price.

📍 Sydney is seeing a growing gap between stronger and weaker suburbs.

🏠 Rental listings have increased slightly, although supply is still tight.

🏦 Interest rate cuts may not arrive as quickly as many borrowers had hoped.

For buyers, this means more opportunities—but also more reasons to do your research before making a decision.

Thinking about buying or refinancing?

📩 Reach out and let's explore your options.

24/07/2026

🏡 This week's Australia Property Update

The market is slowing—but opportunities are still out there.

📉 House price growth has eased across most major cities.

🤝 Buyers now have more room to negotiate.

🏗️ New property tax changes are encouraging more investment into newly built homes.

If you're planning to buy, refinance or invest, understanding the changing market is just as important as finding the right property.

📩 Have questions about your borrowing power or loan options? We'd love to help.

17/07/2026

📢 This week's Australia update

🏗️ Australia is falling further behind its housing construction target, keeping pressure on housing affordability.

📱 The nationwide Telstra outage affected millions of Australians, disrupting phone services, payments and transport.

🍺 Tasmania is exploring plans to preserve the historic James Boag brewery and protect local jobs.

As Australia's economy continues to change, it's more important than ever to stay informed and plan ahead—especially if you're thinking about buying, refinancing or investing.

📩 Have questions about your home loan? We're here to help.

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Shop 2, Ground Floor, 60 Miller Street
North Sydney, NSW
2060

Opening Hours

Monday	9:30am - 6pm
Tuesday	9:30am - 6pm
Wednesday	9:30am - 6pm
Thursday	9:30am - 6pm
Friday	9:30am - 6pm

Website

http://www.speedlending.com.au/

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