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Australian Loan House

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Australian Loan House

Australian Loan House is an independent Sydney based Mortgage Broking Company created to help everyd Find out more about our services
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Australian Loan House has established partnerships and relationships with over 30 of Australia’s largest banks, financial institutions and other lending providers. Derik Karamian is founder and director of Australian Loan House and has over 8 years experience in the legal and banking sector. Derik has worked in some of Australia’s largest banks, finding solutions for a range of clients, from your everyday Australians to ultra-high net worth individuals. Working in the majors, Derik knows what the banks don’t want you to know and how to get the most out of your banking and lending needs. Along with his extensive experience, Derik holds a double degree in Finance and Law, coupled with numerous, financial services and mortgage broking qualifications and accreditations. Whether you are a first home buyer or an experienced property investor, just looking to do some renovations, consolidate debt, buy a car or just looking to review your current loan, we will help you in every step of the way and go that extra mile to ensure you are truly delighted.

01/11/2026

Less competition for affordable properties

First home buyers may be finding themselves in a stronger negotiating position, following a shift in Australia's property market.

According to Ray White chief economist Nerida Conisbee, cheaper properties are now experiencing sharper price declines than more expensive homes, reversing the trend seen earlier this year.

In January, cheaper houses were outperforming more expensive houses by an average of 1.3 percentage points over three months.

By September, more expensive houses had taken the lead, outperforming cheaper houses by 0.18 percentage points. Higher-priced units were also outperforming more affordable units by 0.32 percentage points.

Conisbee attributed much of the reversal to changes to negative gearing and capital gains tax announced in the May federal Budget.

Those changes have reduced the appeal of established investment properties, encouraging some investors to withdraw from the market.

For first home buyers, this could be welcome news. With fewer investors competing for affordable homes, they may have more negotiating power and potentially be able to enter the market at a lower price.

28/10/2026

Inflation puts pressure on interest rates

The latest inflation figures suggest Australian mortgage holders could face another interest rate rise in November.

Annual inflation increased from 4.0% in August to 4.3% in September, according to the Australian Bureau of Statistics.

Underlying inflation, which removes unusually large price movements, also increased from a revised 3.5% to 3.6%.

Both measures are above the Reserve Bank of Australia's (RBA) target range of 2-3%.

The RBA uses interest rates to help control inflation. When rates rise, households and businesses generally spend less, which reduces demand and helps slow price growth.

Following the latest inflation figures, all four major banks are forecasting that the RBA will increase the cash rate by 0.25 percentage points to 4.85% at its next meeting on 3 November.

For mortgage holders, this is another reminder of the importance of having a competitive home loan. A broker can help you compare lenders and explore whether there's an opportunity to reduce your repayments.

27/10/2026

Units outperform houses during downturn

Units are holding their value better than houses in the current property downturn, according to Domain.

Across the combined capital cities, median house prices declined 4.7% during the September quarter, compared to a smaller 3.5% fall for units.

Domain said the relative resilience of units reflects their greater affordability, particularly at a time when higher interest rates are limiting how much buyers can borrow.

There was also one notable exception to the broader downturn: Darwin's median unit price actually increased 2.2% during the quarter.

Looking at annual growth, units in Brisbane (+10.5%), Perth (+9.4%) and Darwin (+12.5%) are still recording substantial gains.

For buyers working within tighter budgets, units may be worth considering. They generally offer a more affordable entry point into the market and, in some locations, have also delivered stronger price growth than houses.

25/10/2026

Property vs shares: which has performed better?

Property and shares are two of Australia's most popular investment options. But which has delivered stronger capital growth over the past decade?

According to PRD's latest Australian Economic & Property Report, residential property comes out ahead.

Over the ten-year period examined in the report, Australia's mean residential dwelling price increased 75.4%, compared with a 62.1% rise in the ASX All Ordinaries index.

The results were similar over the shorter five-year period, with property values increasing 30.4% compared with 19.2% for shares.

Importantly, these figures don't include rental income or share dividends, so they aren't a direct comparison of total investment returns.

Nevertheless, they demonstrate that Australian property has delivered strong capital growth over an extended period, despite fluctuations in interest rates, economic conditions and buyer demand.

It's another reminder of why taking a long-term view can be valuable when investing in property.

21/10/2026

Nearly 500,000 borrowers looking to switch lenders

Almost half a million Australian mortgage holders are planning to switch lenders over the next 12 months, according to new research from Finder.

The research found that:

* 14% of mortgage holders, equivalent to approximately 462,000 people, plan to refinance with another lender.
* 9% have already switched lenders in the past year.
* 20% have considered refinancing but haven't yet taken action.
* 10% are unsure whether they'll refinance.

One reason so many borrowers are considering a change is the recent increase in interest rates, with the Reserve Bank of Australia lifting the cash rate to 4.60% in September.

But refinancing can potentially deliver significant savings. Finder calculated that a difference of just 0.50 percentage points on a $500,000 home loan could save borrowers more than $58,000 over 30 years.

If you haven't reviewed your mortgage recently, a broker can compare your current loan with other products to see whether there's a better deal available.

20/10/2026

What's stopping older Australians from downsizing?

Millions of Australians are living in homes with more bedrooms than they need, but encouraging them to downsize isn't necessarily straightforward.

New research from realestate.com.au and GemLife has identified several barriers that discourage older homeowners from moving:

* The hassle of moving = 29%
* Stamp duty costs = 26%
* Emotional attachment to the family home = 22%
* Reluctance to leave an established community = 20%

These barriers matter because downsizing could help Australia make better use of its existing housing supply.

Indeed, separate research from the e61 Institute and PropTrack found that a one percentage point increase in stamp duty rates reduces housing turnover by approximately 7%.

Reducing transaction costs and increasing the supply of attractive, low-maintenance homes could therefore encourage more older Australians to downsize.

That would benefit downsizers themselves while potentially making more larger homes available to growing families.

18/10/2026

Property buyers adapting to changing market

The recent property market downturn is creating opportunities for buyers, according to new research from Westpac.

The bank's latest Home Ownership Report found that Australians are adjusting their purchasing strategies in response to changing market conditions.

Among the opportunities identified by buyers:

* 19% see an opportunity to make lower offers on properties
* 17% see an opportunity to revise their deposit targets
* 16% see an opportunity to consider suburbs previously outside their budgets

These findings suggest that some buyers are using the downturn to their advantage.

For example, falling prices may allow buyers to enter a suburb they previously couldn't afford, or purchase a more suitable property within their existing budget.

Westpac's consumer chief executive, Carolyn McCann, said buyers who are financially prepared and have found a suitable property should focus on their long-term goals rather than trying to predict every market movement.

"People still want to buy and sell property, but many are seeking greater certainty before making a move. The challenge is that waiting for the perfect moment can mean missing opportunities that are right in front of you.”

14/10/2026

Investor lending for new homes jumps 24%

There's been a significant increase in property investors buying or building new homes, despite an overall slowdown in investor activity.

According to the 2026 PropTrack–Terri Scheer Investor Report, the number of investor loans declined 9% in the June quarter compared to the March quarter.

However, during that same period, investor loans for purchasing or constructing new homes jumped 24%.

One reason is the federal government's recent changes to negative gearing, which remove certain tax benefits for future purchases of established investment properties but preserve them for new homes.

PropTrack senior economist Angus Moore said the increase in investor demand for new properties was a deliberate outcome of the changes, which were designed to encourage additional housing supply.

That's potentially encouraging for Australia's housing market, because increased investment in new construction could help expand the supply of rental accommodation.

13/10/2026

What's next for interest rates?

The Reserve Bank of Australia (RBA) has left the door open to further interest rate increases, although another rise is far from guaranteed.

Minutes from its September meeting, when the cash rate was increased to 4.60%, reveal growing concerns about inflation.

The board noted that higher global energy prices, stronger-than-expected domestic inflation and widespread business cost pressures had made it harder to bring inflation back to its 2-3% target range.

However, there are also signs that higher interest rates are working.

Household spending has slowed, property prices have fallen and demand for new housing loans has weakened.

The question now is whether those changes will be enough to bring inflation under control without requiring further rate rises.

The RBA has made it clear that its future decisions will depend on incoming economic data, particularly inflation, employment and consumer demand.

11/10/2026

What does a square metre of property cost?

We normally compare property markets using median prices. But another way to look at value is how much buyers are paying per square metre.

A new PropTrack analysis found the median asking price for Australian houses in August was $1,535 per square metre – up 10.1% year-on-year.

But location makes an enormous difference.

At the top end, houses in Sydney’s Paddington have an asking price of $28,091 per square metre, while units in Barangaroo command an extraordinary $45,534.

Realestate.com.au economist Luc Redman said scarcity helps explain the premium in some expensive locations, with buyers prepared to sacrifice space to live in highly desirable areas.

At the other end of the spectrum, moving further from expensive inner-city locations can give buyers significantly more property for their money.

Address

Level 34, 100 Miller Street
North Sydney, NSW
2060

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm
Saturday	10am - 4pm

Website

http://www.australianloanhouse.com.au/

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