Rental vacancies remain tight across most capital cities. National rents have risen around 5% over the past year. Recent lending data shows investors now account for roughly four in ten new mortgages. Most commentary stops there. Investors are returning. Rents are rising. The market is heating up again. But the more important shift isn’t demand. […]

Right now, fixing your rate often means paying for two or three future rate rises that haven’t happened. That’s why so many borrowers are paying for peace of mind that doesn’t actually exist. We do not know what interest rates will do next. No one does. Rates may rise, they may stay flat, or they […]

A reality check for property investors in late 2025 A reality check for property investors in late 2025 For the better part of this year, investors have been hanging on for the same thing: enough rate drops to take the pressure off their investment loan. But the latest numbers have pulled the rug out from […]

Why so many borrowers are still stretched — and how to find your safe limit in 2025 If you’ve got a mortgage, you’ve probably felt the recent rate reductions — a little breathing room in your monthly budget, a sigh of relief as repayments dip slightly. But that sense of relief hasn’t lasted long. Across […]