Interest-Only vs Principal & Interest — 2026 Lender Attitudes In 2017, APRA imposed a 30% cap on new interest-only (IO) lending, partly to cool investor demand and reduce systemic risk. The cap relaxed in 2018. In 2026, IO lending is…
How to Negotiate a Lower Rate With Your Current Bank — The single most underused mortgage hack: calling your bank and asking for a lower rate. Australians who do this succeed about 70% of the time. Here’s the exact playbook.…
Cash-Out Refinancing in Australia: When It Makes Sense — Your home has equity. The bank will let you borrow against it. Should you? What Cash-Out Refinancing Means You refinance your existing mortgage for more than what you owe, with the…
When Should You Refinance Your Mortgage in Australia? 7 Signs It’s Time — Refinancing isn’t free, but on a $500k loan even a 0.3% lower rate saves around $1,500 per year. So when does it actually make sense to switch?…