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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.

08/09/2026

Australia’s housing market is changing direction

Some of the strongest and weakest parts of Australia’s property market are starting to swap places.

Premium markets recorded some of the largest price falls earlier in the downturn, while many more affordable markets proved relatively resilient. But new analysis from Ray White chief economist Nerida Conisbee suggests that dynamic may be starting to shift.

That’s after open-home attendance has increased over the past eight weeks by an average of 0.31 people per inspection in Sydney and 0.17 in Melbourne.

Some of the strongest rebounds have occurred in premium areas – and there are early signs of improvement in prices too.

After falling in July, house prices rose 1.1% in Sydney’s Eastern Suburbs during August and 1.0% in North Sydney and Hornsby, while Ryde, the Inner West and Northern Beaches all recorded growth of around 0.8%.

At the same time, buyer engagement has weakened in several more affordable markets, particularly in Adelaide, Perth and Cairns. Conisbee said the shift reflected strengthening owner-occupier demand in premium markets following substantial price adjustments, alongside weaker investor demand in some affordable areas.

It’s another reminder that there’s no single Australian property market – different locations can be at very different stages of the property cycle.

06/09/2026

Cooler spring selling season expected

Australia could be heading into a quieter-than-usual spring property market.

New property listings were 8.2% below the five-year average in the four weeks to 23 August, according to Cotality.

That’s significant because spring normally brings a substantial increase in properties coming onto the market. Over the past five years, new listings have typically increased by almost 25% between late August and mid-November.

Cotality believes some vendors may hold off this year because property values are falling and buyer demand has weakened.

At the same time, total listings have risen to more than 137,000 properties, which is 1.7% above the five-year average.

So buyers may find themselves in a relatively favourable position this spring – with more properties to choose from, less competition and greater scope to negotiate.

02/09/2026

Australian economy grows 2.1%

Australia’s economy continued to expand in the June quarter, despite households remaining relatively cautious.

Gross domestic product (GDP) rose 0.4% during the quarter and 2.1% over the year, according to the Australian Bureau of Statistics.

There were also some encouraging signs for household finances.

Compensation of employees – which includes wages and salaries – increased 1.5% during the quarter, helping lift household disposable income. At the same time, households saved 6.5% of their income, up slightly from 6.4% in March.

The economy also performed better over the full financial year, with GDP growing 2.4% in 2025-26 compared with 1.5% the year before.

The Reserve Bank of Australia will be watching the data closely as it considers the future path of interest rates.

01/09/2026

Property market shifts in favour of buyers

Property buyers are gaining more negotiating power as the national housing downturn becomes increasingly widespread.

Australia’s median property value fell 0.9% in August from July, according to Cotality, with 93% of capital city suburbs recording a decline over winter.

At the same time, buyer demand has weakened. Estimated home sales during the past quarter were 15.5% lower than a year earlier and 11.5% below the five-year average.

That means properties are taking longer to sell and available stock is accumulating. Capital city listings at the end of August were 24% higher than a year earlier and 8% above the five-year average.

Cotality said longer selling times, larger vendor discounts and persistently low auction clearance rates were all pointing towards a buyer’s market.

30/08/2026

First home buyer lending holds steady year-on-year

First home buyer activity has cooled in recent months, but the longer-term picture is more resilient.

The number of new owner-occupier first home buyer loans fell 2.9% in the June quarter, according to the Australian Bureau of Statistics (ABS), following a 3.6% decline in the March quarter.

Despite those two consecutive quarterly falls, first home buyer lending was unchanged compared with the June quarter of 2025.

That compares favourably with the broader owner-occupier market, where the number of new loans was 1.6% lower than a year earlier – the first annual decline since the September quarter of 2023.

So while fewer first home buyers are entering the market than at the start of the year, their overall presence has held up relatively well during a period of softer lending activity.

26/08/2026

Inflation slows to 3.5%

Australia’s inflation rate has fallen, but the latest figures suggest the Reserve Bank of Australia (RBA) won’t be declaring victory just yet.

Headline annual inflation eased from 3.8% in June to 3.5% in July, according to the Australian Bureau of Statistics (ABS).

However, the result was higher than economists had expected, while trimmed mean inflation – which strips out some volatile price movements to provide a better indication of underlying inflation – remained unchanged at 3.6%.

Housing was the largest contributor to annual inflation, rising 5.0%, including a 5.7% increase in new dwelling prices. Food and non-alcoholic beverages also continued to put upward pressure on household budgets.

The RBA held the cash rate at 4.35% earlier this month, but made clear that another increase remains possible if inflation doesn’t continue to ease.

So while headline inflation is falling, borrowers may need to wait a little longer for greater certainty on interest rates.

25/08/2026

Property scam confidence falls

Australians are becoming less confident in their ability to spot property scams, as scammers use increasingly sophisticated tactics.

New PEXA research found that 41% of recent and prospective property buyers were confident they could detect a property scam, down from 51% a year earlier.

The research also tested how well people could identify warning signs in a simulated scam email:

* 42% couldn’t identify any of the scam markers
* 99% failed to spot the fraudulent email address, even after being told the email was a scam

That matters because property transactions involve large sums of money and can already be stressful – 87% of respondents ranked them among their most stressful life experiences.

One important precaution is to independently verify any unexpected request to change payment details. Rather than replying to the message or using the contact details it provides, contact your conveyancer, lawyer or other property professional using a number you already know to be genuine.

23/08/2026

Don't assume you can't refinance

If you've thought about refinancing but assumed you wouldn't qualify, it may be worth getting a second opinion.

Finder's 2026 Home Loan Report found only 45% of mortgage holders believe they could switch to a better loan today.

Income and expenses were the most common obstacle, cited by 22% of borrowers, followed by being on a fixed rate (13%) and not having enough equity (11%).

But Finder home loans expert Richard Whitten said one of the most expensive assumptions borrowers can make is believing they can't refinance without investigating their options.

That's because every lender assesses borrowers differently.

So even if refinancing hasn't looked possible in the past, it may be worth asking a mortgage broker to check whether another lender would view your situation differently.

19/08/2026

Property markets moving at different speeds

How long does it take to sell a property in Australia? The answer depends heavily on where it is located.

Cotality reports that the national median was 35 days in the three months to July, up from 29 days a year earlier.

But there was a significant difference between individual capitals.

Perth remained by far the fastest-moving market, with properties selling in a median of just 17 days. Brisbane followed at 28 days, while Hobart and Adelaide were at 30 and 31 days respectively.

Meanwhile, properties took 39 days to sell in Melbourne, 41 days in Sydney and 49 days in Canberra.

Regional markets were slower overall, with a median of 39 days, although regional Western Australia stood out at just 19 days.

So while selling conditions have generally softened over the past year, buyers in some markets still need to move considerably faster than those in others.

18/08/2026

Rental properties remain in short supply

Australia remains firmly a landlord’s market, judging by the latest rental vacancy data from SQM Research.

The national vacancy rate held at 1.3% in July, with rental properties particularly hard to find in several capital cities.

Darwin had the tightest market, with a vacancy rate of just 0.3%, followed by Perth, Adelaide and Hobart at 0.6% and Brisbane at 0.9%.

Conditions were less constrained in Sydney and Melbourne, where vacancy rates were 1.7%, and Canberra, at 1.8%.

There has been some improvement nationally, with 40,771 properties vacant compared with 37,863 a year earlier.

However, rental supply remains tight enough to support strong rental growth. National advertised rents have increased 7.2% over the past year, including rises of 14.1% in Darwin, 12.2% in Hobart and 8.3% in Brisbane.

SQM Research managing director Louis Christopher said that while there were signs of moderation in rental conditions in some capitals, overall, the market remains undersupplied.

“Until we see a more sustained increase in available rental stock, we expect affordability pressures to remain elevated,” he said.

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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