National Mortgage Solutions

14/11/2025

🏡 Looking for the right home loan?
NMS – National Mortgage Solutions is here to help.

Whether you’re buying your first home, refinancing for a better rate, or investing, our team will guide you every step of the way with expert, personalised support.

✔ First-home buyers
✔ Refinance & lower repayments
✔ Investment loans
✔ Self-employed solutions
✔ Fast pre-approvals
✔ Access to multiple lenders for better rates

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📍 188 Keilor Rd, Essendon North VIC 3041
📞 +61 432 207 805
📧 [email protected]

Your goals. Your home. Your future.
Choose NMS – National Mortgage Solutions.

30/09/2025

RBA UPDATE | Effective October 1, 2025

At its September meeting, the Reserve Bank of Australia (RBA) held the official cash rate at 3.60%, following cuts in February, May, and August. Major banks remain divided: CBA, Westpac and ANZ expect one more cut this year, while NAB forecasts no change until mid-2026.

21/05/2025

RBA UPDATE | Effective May 21, 2025

The Reserve Bank of Australia (RBA) has lowered the official cash rate by 25 basis points, marking the second rate cut of 2025. Now sitting at 3.85%, this decision was driven by falling inflation and easing economic growth.

Since the last cut in February, property prices have surged, according to data from PropTrack. Inner Melbourne leads with 3.6% growth in house prices and 5.9% in unit prices, the fastest in Australia. Melbourne’s affordability has subsequently drawn buyers, with 40% of Victorians believing it's a good time to buy.

Darwin is attracting investors with high rental yields and has rebounded with a 3.3% house price increase, while the Gold Coast saw nearly 3% growth. Queensland, particularly Townsville, leads annual growth, with house prices up 22%.

If you’d like to reevaluate your mortgage, why not reach out to a us for a complimentary home loan health check? The RBA's next meeting will be announced on Tuesday, July 8.

12/02/2025

The Australian commercial property market is set for a rebound in 2025, amid changing market conditions and renewed investor interest, with core assets expected to lead the recovery.

According to Knight Frank's Australian Horizon 2025 report, time is of the essence, and investors who acquire assets following the market adjustment, but before the recovery begins, are positioned for strong growth.

Chief economist Ben Burston highlighted the opportunities currently available in the market.

"Our central thesis is that core assets in the Australian market now represent good value for investors, with strong prospects for cyclical recovery starting in 2025 and long-term growth," Mr Burston said.

The retail sector is experiencing its strongest investor demand since 2015, driven by improving asset performance and rising real incomes. This surge in interest is expected to contribute to a recovery in capital values due to limited available stock.

Industrial markets are showing signs of divergence, with rental performance varying significantly between regions. Sydney's Outer West and West Melbourne face pressure from high supply levels, while South Sydney and East Melbourne demonstrate more resilient market conditions.

The office sector continues to contend with high vacancy rates, however new development slowdowns, particularly in Sydney and Brisbane, are expected to drive face rents higher on new projects.

Build-to-rent (BTR) development is gaining momentum, though its success depends heavily on policy changes and market acceptance.

"The perceived success of schemes targeting the middle of the rental range will be important in widening awareness and understanding of BTR." Mr Burston said.

Interest rates remain a significant factor in shaping market recovery, he said.

"Investors will need to be tuned into the evolving debate on neutral rates and ensure their strategy is resilient to multiple scenarios for the level of long-term interest rates," he said.

"Now is the time to buy, and this optimal window will extend into 2025.”

27/05/2023

KNOW WHY: Victorian Land Tax Changes.

New land tax laws are being rolled out. Here's what you need to know:

1️⃣ A progressive tax rate will be applied on the 'total taxable value' of all your property holdings. The more property you own, the higher the tax rate.

2️⃣ The tax-free threshold for land tax is being revised from a land tax free threshold of $300,000 down to $50,000 which the government expects 860,000 taxpayers will be affected, of which 380,000 will be first-time taxpayers.

3️⃣ Absentee owner surcharge is increasing – this will impact overseas-based owners.

4️⃣ Vacant residential land tax applies in 32 council areas.

26/04/2023

If you’d like to pay down your mortgage faster there are some things you can do:

• Borrow less than you can afford – purchase a property that doesn’t use all your borrowing capacity.

• Save a large deposit – a larger deposit means a smaller mortgage and less interest.

• Increase repayment frequency – switch to fortnightly or weekly repayments which will help pay down your loan faster.

• Make higher repayments – boost your repayment amount and pay off your loan sooner.

• Use an offset account – reduce the interest on your loan with improved products.

• Refinance – compare loan products and find better options that might be able to save you money.

26/04/2023

How to get finance when you’re self-employed

Obtaining finance from a bank is often more difficult for the self-employed, than for borrowers who get a paycheque each week. Lenders typically require a significant amount of documentation and proof of income for self-employed borrowers, and their lack of a steady income can make it difficult. However, there are several ways for self-employed individuals to improve their chances of securing financing.

Low doc loans:

Self-employed borrowers can consider working with a mortgage broker who specialises in providing financing to self-employed people and business owners. There are certain lenders that are more accustomed to working with business owners and are able to better assess the needs of this type of borrower.

They also provide different home loan products – like low doc loans – that don’t require full tax returns. Some might be able to provide finance based on BAS statements, bank statements or an accountant’s declaration. These lenders may be more familiar with the challenges faced by self-employed individuals and have more flexible lending requirements.

There are a lot of benefits to being self-employed and running a business. While finance for a home might be harder than for a typical employee, there are still options out there.

25/07/2022

09/06/2022

Overseas buyers hunting commercial property

Commercial property continues to be a hot commodity with new data showing 56 per cent of sales this year have been to foreign buyers.

During the first quarter of 2022, there were $8.69 billion commercial sales across 593 transactions (more than $2 million) according to Ray White Commercial.

The bulk of activity came from NSW followed by Victoria. Together, these states accounted for 74 per cent of all volume.

The largest foreign investors include the United States and Canadian groups, along with Asian nations Hong Kong, China, Singapore and South Korea

05/06/2022

Reserve Bank set to lift cash rate in another hike | 9 News Australia - 9 News Australia

ANZ economists have made a grim prediction that the Reserve Bank of Australia will lift the nation’s case rate target by a larger-than-expected 40 basis poin...

30/05/2022

Join us to celebrate Mesopotamian Culture and History
Purchase your ticket through the link below (free ticket)

https://www.eventbrite.com.au/e/celebrate-mesopotamian-culture-and-history-through-tickets-341847052737

Thanks to our sponsors as this event is sponsored by
Victorian Multicultural Commission
Care You Deserve - NDIS Provider
National mortgage solutions