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We Settle Finance

At We Settle Finance we can help with all your loan needs. Whether it's a home loan, car, bike, truck etc. we can do it!

We aim to get you the most suitable product to suit your needs.

13/11/2025

Home loan? Car loan? Business loan? WE CAN DO IT ALL 😃 Give us a call!

04/11/2025

📢 RESERVE BANK HOLDS CASH RATE AT 3.60% TODAY! What does that mean for you? Give us a call and we can talk to you about your current home loan or your new one 🏠

27/10/2025

Trying to decide where to invest? Or where to buy? Check out our October newsletter for some tips!

01/10/2025

📢 NEW FIRST HOME BUYER SCHEME STARTS TODAY 📢 with a small 5% deposit you can now purchase your first home! Please give us a call and ask us about the new scheme changes 📞

30/09/2025

The Reserve Bank of Australia (RBA) has kept the cash rate on hold at 3.60 per cent, after the latest inflation figures came in higher than expected. If you’re looking to make a spring property purchase, talk to us about getting pre-approval today. It will give you certainty around what you can borrow and put you in a stronger position to negotiate or bid at auction when the right property comes along.

24/07/2025

Prices rise in every capital city

Every capital city in Australia posted house price growth in the June quarter, something we haven’t seen in four years, according to Domain’s latest House Price Report.

Sydney led the charge with a 2.6% jump to $1.7 million, its strongest quarterly rise on record. Melbourne wasn’t far behind, climbing 2.3% to $1.064 million, its highest in three years. House prices in Brisbane, Perth and Adelaide are also at record highs, while Hobart, Canberra and Darwin continued their recovery (see image).

Apartments are following suit, with national unit prices up 2.3% to $689,588, the strongest quarterly growth in two years. Record apartment prices were hit in Sydney, Brisbane, Perth and Adelaide, while Darwin (up 5.6%) and Canberra (up 4.6%) led the quarterly growth figures.

Domain chief of research and economics Dr Nicola Powell attributed the broad-based gains to two interest rate cuts and rising demand, despite continued affordability pressures and economic uncertainty.

“Supply remains the key wildcard. We’re still not building fast enough to meet population growth. Without a substantial boost in new housing, price pressures will remain, regardless of further rate cuts,” she said.

21/07/2025

Building costs climb again

Australia’s residential construction costs rose 0.5% over the June quarter, according to Cotality’s latest Cordell Construction Cost Index.

While that’s up slightly from the March quarter’s 0.4% rise (the smallest increase in 14 years), it remains well below the decade average of 1.0% pre-COVID.

Western Australia recorded the largest quarterly jump in costs (0.7%), followed by Victoria (0.6%). NSW and SA both rose 0.5%, while Queensland lagged at 0.4%.

Cotality research director Tim Lawless warned that persistently high building costs were “a key blocker for getting more desperately needed housing supply into the market”, with builder margins being squeezed and feasibility harder to achieve.

Moreover, the increase could impact the Reserve Bank of Australia’s next decision in August, with construction costs up 2.9% over the year to June, compared to 2.6% the year before.

“The reacceleration is likely to weigh on inflation outcomes with the cost of new dwellings comprising the largest weight in the CPI calculation,” he said.

17/07/2025

Unemployment climbs to 4.3%

Australia’s unemployment rate has hit its highest level in more than three years, rising from 4.1% in May to 4.3% in June, according to the Australian Bureau of Statistics.

The increase came despite a slight rise in employment (+2,000), as the number of unemployed people surged by 33,600. While part-time work grew (+40,000), full-time employment shrank (–38,000), dragging down total hours worked. Youth unemployment also spiked, rising nearly a full percentage point to 10.4%.

This is a big shift after months of relatively stable job figures, and puts the unemployment rate exactly where the Reserve Bank of Australia had forecast it to be at the end of the year … only we’ve arrived six months early.

This will naturally add to expectations of a rate cut in August, especially if the quarterly inflation figures come in within the target band when the new data is released later this month.

14/07/2025

Major banks dominate high-LVR lending

A new PEXA report shows major and mutual banks are more likely to take on higher-risk loans, and that’s helping more first home buyers get into the market.

PEXA analysed lending activity from January 2020 to June 2025 and found that in NSW, 59.4% of loans from the big banks required lender’s mortgage insurance (LMI), compared to just 23.5% of loans from non-banks. Similar trends were seen in Victoria (65.1% v 20.2%) and Queensland (60.9% v 22.9%).

Loans generally require LMI when the loan-to-value ratio (LVR) exceeds 80% – a common scenario for first home buyers with smaller deposits. However, many can access government schemes that waive LMI, making them attractive borrowers for banks with higher risk tolerance.

By contrast, non-banks dominated the lower-risk category, with 36.1% of loans sitting at exactly 80% LVR, the traditional threshold for avoiding LMI.

10/07/2025

Rental market hits affordability ceiling

New data from Domain suggests Australia’s rental market is finally slowing, after years of relentless growth.

According to the June quarter rental report, house rents across the combined capitals were unchanged for the fourth straight quarter, the first time this has happened since 2019.

Domain chief of research and economics Dr Nicola Powell said renters are reaching their limits.

“Renters are maxed out and landlords are being forced to hold steady. We’re also seeing a shift in demand – renters are downsizing or choosing units to stretch their budgets,” she said.

This shift is pushing unit rents higher. They’ve now hit record highs across all capitals and are rising faster than house rents in every city except Melbourne.

Still, rental markets remain tight. National vacancy rates sit below 2%, with Darwin the most competitive market in the country, at just 0.3%.

Growth in house rents is also diverging by city. Sydney, Melbourne and Brisbane posted their slowest June quarter growth in years, while Perth’s $5 rise means it’s now tied with Canberra as the second most expensive capital for house rentals.

07/07/2025

Where it’s cheaper to buy than rent

New data from Domain shows that while it’s still cheaper to rent in most parts of Australia, that may not be the case for long, especially for unit buyers and those eyeing regional areas..

Right now, only 6.0% of suburbs across the country offer cheaper mortgage repayments than rent for houses. But the picture is far more favourable for units: 22.8% of suburbs nationally, and a huge 31.3% in regional areas, make more financial sense to buy in than rent.

Perth leads the way in affordability. A remarkable 82.9% of its unit suburbs favour buyers, far ahead of Brisbane (7.9%) and Sydney (9.5%).

The report assumes a 20% deposit and an interest rate of 5.68%. But with two rate cuts already delivered in 2025 and further expected, Domain says more suburbs could soon tip in favour of buying.

Domain expects the biggest gains to be in unit-heavy capital city areas and regional towns, where mortgage costs are already close to rent.

However, this growing affordability may also bring a wave of buyer demand and renewed price growth.

Address

32 Finlayson Street
South Wentworthville, NSW
2145

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm
Saturday	8am - 5pm

Telephone

+61422029737

Website

http://www.wesettle.com.au/

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