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Finance Australia Articles

Welcome to Finance Australia, where we've curated a selection of engaging articles just for you.

Feel free to explore by clicking on any title to dive deeper into the stories that pique your curiosity.

Finance Articles

An Insider's Guide to Enhancing Your Credit Profile for Any Loan
An Insider's Guide to Enhancing Your Credit Profile for Any Loan
Having a robust credit profile is one of the most critical factors for financial health, especially when seeking loans in Australia. Whether you're eyeing a new car, dreaming of a home or simply want to secure a personal loan for unexpected expenses, your credit score often dictates the outcome. Not only does it influence a lender's decision to offer you finance, but it also affects the interest rates you might be charged. - read more
How Your Credit Rating Impacts Your Loan Options: What You Need to Know
How Your Credit Rating Impacts Your Loan Options: What You Need to Know
A credit rating is essentially a numerical representation of your financial trustworthiness. It's like a report card for your creditworthiness, where higher scores indicate better financial habits. Lenders and financial institutions scrutinize this score when you apply for credit, serving as a primary factor in approving or denying loan applications. - read more
A Complete Guide to Caravan Financing: Securing Your Mobile Haven
A Complete Guide to Caravan Financing: Securing Your Mobile Haven
Caravans have surged in popularity across Australia, offering an unmatched fusion of comfort and mobility. This beloved mode of travel grants you the liberty to discover hidden gems off the beaten path while bringing along the comforts of home. With the rise of remote work and the enduring spirit of wanderlust, caravans provide a flexible lifestyle choice for adventurers, retirees, and families alike. - read more

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

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Finance News

APRA's New Cap on High Debt-to-Income Home Loans: What Borrowers Need to Know
APRA's New Cap on High Debt-to-Income Home Loans: What Borrowers Need to Know
18 Dec 2025: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at mitigating emerging risks in the housing market. Effective February 2026, APRA will impose a cap on high debt-to-income (DTI) home loans, limiting banks to issuing no more than 20% of new home loans with DTI ratios of six times or higher. This measure applies to both owner-occupier and investor loans, excluding new housing developments. - read more
Commonwealth Bank Raises Alarm on Unsustainable Home Loan Demand
Commonwealth Bank Raises Alarm on Unsustainable Home Loan Demand
18 Dec 2025: Paige Estritori
The Commonwealth Bank of Australia (CBA), the nation's largest lender, has recently voiced concerns regarding the escalating demand for home loans, suggesting that this surge may be contributing to unsustainable property price increases. CEO Matt Comyn highlighted that while the bank benefits from the current housing credit boom, a more moderate growth rate would better support long-term financial stability and housing affordability. - read more
Australian Home Prices Reach New Heights: Navigating the Affordability Challenge
Australian Home Prices Reach New Heights: Navigating the Affordability Challenge
18 Dec 2025: Paige Estritori
In November 2025, Australia's housing market experienced a 1% month-on-month increase in home prices, bringing the national median value to A$888,941. This follows a 1.1% rise in October, indicating a persistent upward trend in property values. The growth was particularly pronounced in mid-sized state capitals, with Perth leading at a 2.4% increase. Sydney and Melbourne saw more modest gains of 0.5% and 0.3%, respectively. - read more

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The expenses over and above the price of the property incurred by buyers and sellers when transferring ownership of a property.