Ourloan

Ourloan Located in Bondi Junction assisting you with your finance needs and goals. Are you sick of dealing with banks direct.?

Then please call me for all you refinancing or purchasing needs.

03/06/2026

What are the proposed changes for negative gearing and how will it affect your mortgage?

Australia’s Job Market and Its Impact on Property PurchasingAustralia’s unemployment rate remains relatively low by hist...
01/06/2026

Australia’s Job Market and Its Impact on Property Purchasing

Australia’s unemployment rate remains relatively low by historical standards, which is helping support the property market and consumer confidence. However, many Australians are still finding it difficult to enter the housing market due to high property prices, rising living costs, and stricter lending requirements.

While strong employment levels generally improve borrowing capacity and give lenders confidence, affordability remains a major challenge. Even with stable jobs and consistent income, many first-home buyers are struggling to save sufficient deposits while managing increasing household expenses.

For those looking to purchase a home, employment stability is one of the most important factors banks consider when assessing a loan application. A secure income can improve borrowing power and provide more options when selecting a lender. On the other hand, borrowers in casual employment, self-employment, or industries experiencing uncertainty may face additional hurdles during the approval process.

As a mortgage broker, I continue to see buyers who are financially responsible but need guidance navigating the lending landscape. Understanding your borrowing capacity early and having a clear strategy can make a significant difference when purchasing a property.

If you’re considering buying your first home, upgrading, or investing, now is a great time to understand your options and prepare for the opportunities ahead.

27/05/2026

How much is the monthly repayments for this 1 bedroom apartment in Mascot?

Budget Update: Negative Gearing & Property InvestorsWith the Federal Budget back in focus, one topic continuing to domin...
26/05/2026

Budget Update: Negative Gearing & Property Investors

With the Federal Budget back in focus, one topic continuing to dominate the property conversation is negative gearing.

For investors, negative gearing remains an important strategy that can help reduce taxable income while building long-term wealth through property. Despite ongoing debate around potential changes over the years, the current budget has not introduced any major reforms to negative gearing, providing some certainty for investors and the property market.

What does this mean for borrowers?

Investor confidence is likely to remain steady, especially with strong rental demand and limited housing supply across Australia. For many Australians, property continues to be a key wealth creation strategy, and maintaining existing tax settings may encourage further investment into the market.

However, rising interest rates and tighter living costs still mean it’s critical to structure your lending correctly. Whether you’re purchasing your first investment property, refinancing, or looking to grow your portfolio, having the right loan strategy can make a significant difference to your cash flow and long-term goals.

If you want to understand how the budget impacts your borrowing capacity or investment strategy, feel free to reach out.

Refinance InvestmentProperty HomeLoans Finance PropertyMarket

26/05/2026

How much is the mortgage a month for this 3 bedroom apartment in Mascot?

24/05/2026

How much is the mortgage for this 3 bedroom apartment in Surry Hills

22/05/2026

Did you know there has been an increase in first home buyers in Australia?

New Home Sales Rise Again: What It Means for Mortgage HoldersAustralia’s new home sales rose 4.9% in April, showing that...
19/05/2026

New Home Sales Rise Again: What It Means for Mortgage Holders

Australia’s new home sales rose 4.9% in April, showing that demand for housing remains strong despite higher interest rates. With population growth, low unemployment, and ongoing housing shortages continuing to drive the market, property prices are expected to remain under pressure in many areas.

For people with a mortgage, this can have both positive and challenging effects.

On the positive side, rising property values may increase equity in your home, which can create opportunities to refinance, renovate, invest, or consolidate debt. Strong demand can also support long-term property values and confidence in the market.

However, ongoing supply shortages and elevated construction costs may keep housing affordability tight, especially for first home buyers or those looking to upgrade. Higher interest rates also continue to impact borrowing capacity and monthly repayments, making it important for borrowers to review their loan structure regularly.

For investors, proposed changes to negative gearing and capital gains tax could influence future investment decisions and market activity.

In a changing market, having the right lending strategy is more important than ever. Reviewing your home loan regularly can ensure your mortgage still aligns with your goals and financial situation.

18/05/2026

How much is the mortgage for a 4 bedroom house in Paddington?

15/05/2026

What is the cost for the mortgage on this 1 bedroom apartment in Clovelly?

Address

Suite 402/35 Spring Street, Bondi Junction
Sydney, NSW
2022

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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+61466269313

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