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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.

09/06/2026

NAB tips rate cuts from 2027

Good news for borrowers: NAB thinks the Reserve Bank of Australia (RBA) is done raising rates.

The major lender has dropped its forecast for an August hike, and is now expecting the cash rate to hold at its current level of 4.35% before cuts begin in the second quarter of 2027.

The reason? Economic momentum is clearly fading. Both GDP growth and NAB's own business survey point to a slowdown, with growth likely having already peaked for this cycle.

That said, don't expect rate relief anytime soon. Underlying inflation is still forecast to stay above the RBA's 2–3% target until mid-2027, which means the central bank is unlikely to move quickly.

"We have greater conviction that the next move in rates is down, but less conviction on the timing," NAB chief economist Sally Auld said.

If NAB's forecasts prove correct, the cash rate would fall to 3.6% by the end of 2027.

07/06/2026

Listings surge as the market hits a turning point

Something notable happened in May. For the first time in over a year, the number of homes listed for sale nationally is higher than it was 12 months ago.

According to SQM Research, total property listings rose 10.4% in May from April to 258,803 dwellings. New listings are now 12.0% above May 2025 levels, suggesting vendors are returning to the market in meaningful numbers.

But here is the telling part. Five of the eight capital cities – Sydney, Melbourne, Brisbane, Perth and Adelaide – recorded monthly falls in asking prices.

SQM Research managing director Louis Christopher said the combination of rising supply and stalling prices is "usually an early sign that the market is at a turning point."

For buyers, that means more choice and less urgency. For sellers, pricing realistically matters more than ever.

03/06/2026

Economy slows as rate rises bite

Australia's economy is losing steam, and the latest data makes that clear.

According to the Australian Bureau of Statistics, the economy grew at an annual rate of 2.5% in the March quarter, but the quarterly result told a different story. Growth came in at just 0.3% for the quarter, a sharp drop from the 0.9% recorded in the previous three months.

ABS head of national accounts Grace Kim said rising interest rates and significantly higher fuel costs likely created an environment for more cautious consumer behaviour, resulting in reduced spending across a range of household expenditure categories.

The Reserve Bank of Australia (RBA) expects further softening ahead. Governor Michele Bullock has noted that monetary policy works with a lag, meaning the full impact of this year's rate rises is still to be felt. In its most recent statement on monetary policy, the RBA is forecasting annual economic growth to ease to 1.3% by the end of 2026.

02/06/2026

Budget housing modelling: a tale of two forecasts

How much will the federal budget's housing tax changes actually affect supply and rents? The answer depends on whose modelling you read.

Treasury projects a net increase of around 12,000 new homes over the next four years and a modest rent rise of about $2 per week. Independent modelling commissioned by Master Builders Australia, the Property Council of Australia and the Real Estate Institute of Australia tells a different story.

Qaive and Tulipwood Economics found the combined package – negative gearing changes, CGT reforms and the $2 billion Local Infrastructure Fund – would reduce new dwelling starts by more than 8,700 over four years, lower GDP by $864 million and push rents up by $9 per week by 2029/30.

The negative gearing changes are identified as the primary driver of the supply reduction. While the $2 billion Local Infrastructure Fund is expected to add homes, the modellers estimate it will deliver around 5,300 new dwellings over four years – well below the government's projection of 26,000.

31/05/2026

Older investors now make up a larger share of the market

Australia’s property investor market is gradually getting older, according to new research from the Reserve Bank of Australia (RBA).

The median age of investors increased from 45 in 2000 to 51 in 2023, while the share aged over 60 rose from 12% to 28%. Over the same period, the share of investors aged under 30 roughly halved, based on the RBA’s data.

Part of that reflects Australia’s ageing population more broadly, but it also highlights how long-term property ownership can build wealth over time.

Many older investors purchased property decades ago when prices were significantly lower and have had more time to pay down debt. That has likely helped many remain active in the market later in life.

At the same time, rising property prices, larger deposits and borrowing constraints mean younger Australians are generally entering the market later than previous generations.

27/05/2026

Headline inflation falls, but deeper pressures are building

First, the good news: the latest inflation figures have probably reduced the chances of another interest rate hike in June.

According to the Australian Bureau of Statistics, annual inflation slowed from 4.6% in March to 4.2% in April. That was broadly in line with market expectations and will likely, at least, provide some breathing room for borrowers after the February, March and May rate hikes already delivered this year.

However, the fall in headline inflation was heavily influenced by lower petrol prices after the federal government temporarily halved the fuel excise. As a result, the headline figure may look healthier than the underlying reality.

This explains why the Reserve Bank of Australia (RBA) will probably be more concerned about the trimmed mean inflation figure, which actually increased from 3.3% to 3.4% during the month.

That’s significant because trimmed mean inflation strips out volatile items like fuel and gives a better indication of whether higher costs are spreading through the broader economy. And right now, they are.

Higher energy, freight and construction costs are increasingly flowing into other goods and services, suggesting inflation pressures are becoming more embedded rather than fading away.

26/05/2026

Buyers gain more negotiating power as listings rise

Home buyers are starting to regain some bargaining power, with Cotality data showing vendor discounting rates edged higher in April 2026 as listings continue building across many markets.

The median vendor discount across the combined capitals increased to 3.1% over the three months to April, up from 2.9% in recent months. Regional markets also saw discounting rise slightly to 3.3%.

The figures suggest sellers are becoming more flexible on price as buyers gain more choice and competition between listings increases.

Sydney recorded a median discounting rate of 3.2%, while Melbourne sat at 3.1%. Brisbane remained relatively tight at 2.6%, highlighting how conditions still vary significantly between cities.

The rise in discounting also aligns with softer market conditions emerging after the Reserve Bank of Australia’s rate hikes earlier this year, which have weighed on borrowing capacity and buyer confidence.

20/05/2026

Are parking rules making the housing crisis worse?

Australia’s housing crisis has many causes, but a new report by respected think tank the Grattan Institute says one surprisingly big issue is hiding beneath apartment buildings.

Mandatory parking rules are forcing developers to build thousands of car spaces that residents do not actually want or use.

The report found off-street parking takes up 13% of apartment floor space in Sydney and Melbourne, while up to 40% of spaces sit vacant each night.

Those requirements come with a major price tag. A typical two-bedroom apartment costs an extra $70,000 to build in Sydney because of parking rules, while the figure rises above $100,000 in Brisbane and Perth (see image).

Grattan says Australia is on track to waste $5.2 billion building 86,000 unwanted car spaces over the next five years. Those same resources could instead help deliver more than 9,000 extra homes.

The report argues that if governments are serious about tackling the housing crisis, they need to focus not just on building more homes, but also on removing the rules that make housing slower and more expensive to deliver.

19/05/2026

Why regional Australia is outperforming the capitals

Australia’s regional property markets are once again outperforming the capitals.
New Cotality data shows regional dwelling values rose 3.3% in the three months to April, compared to just 1.1% across the combined capitals.

Western Australia remains the standout, with Busselton leading the nation at 7.5% quarterly growth, followed by Albany (7.2%), Geraldton (6.8%) and Bunbury (5.8%).

Queensland also recorded strong conditions, particularly in Townsville, Maryborough and Toowoomba, while Tasmania saw renewed momentum in Burnie-Somerset and Launceston.

The common theme? Affordability.

As prices in many capitals remain high, more buyers are looking to regional markets where they can get more value for money and often a better lifestyle.

Importantly, demand is still outpacing supply in many areas. For instance, in Albany, properties are taking just 10 days to sell, while Busselton homes are selling in 12 days.

“Internal migration patterns continue to favour regional areas where buyers can find greater value and a different pace of life,” said Cotality’s Head of Research for Australia, Gerard Burg.

17/05/2026

Buyer competition easing in some markets

The property market is still favouring sellers in many parts of Australia, but conditions are no longer as intense as they were last year.

According to Cotality, homes took a median 27 days to sell nationally in the three months to April 2026.

That was faster than the 29-day median recorded a year earlier, although the trend through recent months shows selling times are gradually increasing again.

Regional markets remained slower than the capitals, with a median 33 days on market compared to 25 days in the combined capitals.

Perth continues to lead the country for buyer competition, with homes selling in just nine days. Brisbane was next at 18 days, followed by Hobart and Adelaide at 26 and 27 days, respectively.

Meanwhile, Canberra (42 days) and Darwin (36 days) remain softer markets.

When days on market start rising, it’s often an early sign that demand is cooling and buyers are becoming more cautious.

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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