Raj Mortgage Broker

09/06/2026

NAB: Rate Cuts Could Start in 2027

Good news for borrowers.

NAB believes the RBA has finished raising interest rates. The bank has removed its forecast for another rate hike and now expects the cash rate to stay at 4.35% before cuts begin in 2027.

Why? Australia’s economy is slowing down. Economic growth is weakening, and business activity is easing, suggesting growth may have already peaked.

However, don’t expect rate cuts anytime soon could be HOLD. Inflation is still expected to stay above the RBA’s target range of 2–3% until mid-2027, meaning the RBA is likely to remain cautious.

NAB Chief Economist Sally Auld said:

“We are more confident that the next move in rates will be down, but less certain about when it will happen.”

If NAB’s forecast is correct, the cash rate could fall to around 3.6% by the end of 2027.

09/06/2026

09/06/2026

08/06/2026

Many Australians don’t fully understand key home loan terms.

✅ LVR = Your loan amount compared to your property’s value.

✅ LMI = Insurance that protects the BANK if you borrow more than 80% of the property value.

✅ Offset Account = A savings account linked to your loan that helps reduce interest.

✅ Redraw Facility = Lets you access extra repayments you’ve already made on your loan.

Understanding these terms can help you make better property and finance decisions.

05/06/2026

https://s.blinq.me/cmq0vxsgy0h7d0bs69i75sreq?bs=icl

04/06/2026

House or a Home.
Income or an expenses.

01/06/2026

Australia’s housing market has paused.

Australia’s home values were flat in May, with no national growth recorded.

However, the market is split:

* Sydney (-0.9%) and Melbourne (-0.8%) continued to decline.
* Perth (+1.5%), Darwin (+1.5%), and Brisbane (+0.9%) continued to grow.

Higher interest rates, affordability pressures, and recent tax policy changes are reducing buyer demand.

Home sales nationally are down 2.2% compared to last year, with the biggest falls in Sydney (-17%) and Melbourne (-14.2%).

More properties are now available for sale, giving buyers greater choice and stronger negotiating power.

31/05/2026

Older Australians are now a bigger part of the property investor market.

The RBA research shows:

* The average investor is getting older.
* Median investor age rose from 45 in 2000 to 51 in 2023.
* Investors aged over 60 increased from 12% to 28%.
* Investors aged under 30 have roughly halved.

This is partly because Australia’s population is ageing. But it also shows that property can build wealth over time.

Many older investors bought properties years ago when prices were much lower. They have also had more time to reduce their loans, so they can stay active in the market.

Younger buyers are entering the market later because property prices are higher, deposits are bigger, and borrowing rules are tighter.