Vikrant Mathema - Midas Finance

05/12/2025

03/12/2025

Australian Prudential Regulation Authority (APRA) has imposed a new cap on Debt-to-Income (DTI) ratio for home loans from 1st February, 2026.

Only time will tell the effectiveness of this cap on the housing market.

If you want to discuss anything homeloan whether you are a first home buyer or looking to refinance or purchase an investment property, feel free to call me on:

📱 0421 785 784

The banking regulator will impose restrictions on home loans from early next year to limit the number of "high-risk" large loans being issued to customers, which could have flow on effects in the housing market.

03/12/2025

28/11/2025

Someone said "you can kiss rate cut a good bye" as the October month inflation figure has dented the slim chance of any rate cut.

I have to admit he is right. Even though RBA looks at quarterly inflation figure, rate cut is done for this year.

If you are looking to save some money on your mortgage and looking for better deals, feel free to contact me:

📱 0421 785 784
📧 [email protected]

Inflation jumps to 3.8pc in October, up from 3.6pc in September, according to new complete monthly data from the ABS.

24/11/2025

Are you a first home buyer?

Are you thinking of getting in the market and own your first home?

Feel free to contact me for free consultation:

📱 0421 785 784
📧 [email protected]

14/11/2025

It seems like the policies which are suppose to help the first home buyers are putting fuel in the fire and increasing the house price.

If you feel like you are ready to purchase your first house and need help with organising the home loan, please feel free to contact me on:

📱 0421 785 784
📧 [email protected]

Australia’s property market is continuing its seemingly never-ending upward trend following the introduction of the Albanese government’s five per cent deposit scheme.

11/11/2025

📌 It seems like RBA won't be reducing cash rate any time soon.

Pundits are forecasting rate cut some time next year, which is dependent on economic environment (unemployment, inflation etc).

If you think your mortgage interest rate is higher than it should be, talk to your mortgage broker or if you don't have a mortgage broker, feel free to contact me on:

📱 0421 785 784
📧 [email protected]

Will 3.6 per cent be as low as the Reserve Bank's cash rate gets? A majority of economists now believe so.

04/11/2025

I hope you have put your money on Half Yours today.

When it comes to mortgage and helping clients, I am All Yours.

Well! In not so fun news, RBA has held the cash rate unchanged at 3.60% sighting higher than anticipated inflation.

Whether you are looking to purchase your first home or looking to refinance, please feel free to contact me on:

📱 0421 785 784
📧 [email protected]

At its meeting today, the Board decided to leave the cash rate unchanged at 3.60 per cent.

01/11/2025

❓ Are you a first home buyer?

✅ You may be eligible to buy your first home with as less as 2% or 5% deposit depending on your situation.

For more details, please feel free to contact me on:

📱 0421 785 784
📧 [email protected]

29/10/2025

📌 Few days ago, I posted an article regarding the November RBA board meeting, pundits are now forecasting cash rate hold on Melbourne Cup Day due to latest hotter than expected inflation data.

👉 The best way to approach the situation is by focusing on things which can be controlled. If you have crunched the numbers and believe you are ready to purchase your first home or your first investment property or if you are shopping around for better deals, let's have a chat.

📱 0421 785 784
📧 [email protected]

A shock from the all-important consumer price index has left economists rewriting their rates outlooks, ahead of the Reserve Bank meeting next week.

28/10/2025

RBA Board is meeting next week to decide on cash rate on Melbourne Cup Day.

RBA is in an unenviable position whether to cut the cash rate, which might add more fuel to the already heated housing market or hold the cash rate which may cause more pain to the economy.

Wednesday's inflation data for September quarter will be key.

In my opinion, if you have dotted your i's and crossed your t's and you believe you are ready buy a property, then you are ready.

If you are ready to purchase your first home or investment property or looking to refinance, feel free to contact me on:

📱 0421 785 784
📧 [email protected]

Whether or not we're delivered a rate cut next Tuesday, there's a solid argument that the RBA should once again consider using its powers to curb runaway real estate prices.

20/10/2025

Wishing you and your family Happy Dipawali!