Read practical guides, market updates, finance tips and case studies from the hfinance team to help you borrow smarter, invest with confidence and stay ahead of the Australian property market.
Read practical guides, market updates, finance tips and case studies from the hfinance team to help you borrow smarter, invest with confidence and stay ahead of the Australian property market.
The Reserve Bank lifted the cash rate to 4.60% on 29 September 2026, its fourth increase this year.
Sydney's median dwelling value was $1,198,596 as at 30 September 2026, down 1.4% over the month.
The Gold Coast's median house price sits around $1.35 million, though asking prices have fallen 8.6% since March as the market cools.
Government housing policies rarely make for exciting dinner conversation. They’re often wrapped in budget papers, policy announcements and enough acronyms to make anyone’s eyes glaze
Living overseas doesn’t necessarily prevent you from buying property in Australia. Thousands of Australian expats successfully secure home loans every year while working across Europe,
One of the biggest questions Australian expats ask before applying for a home loan is surprisingly straightforward. “Will an Australian lender accept my overseas income?”
For many Australians living overseas, buying property back home is about more than owning real estate. It’s about maintaining a connection to Australia, building long-term
Living overseas doesn’t necessarily mean putting your Australian property goals on hold. Whether you’ve relocated to London for work, accepted a long-term role in Singapore,
One of the first questions almost every home buyer asks is remarkably simple. “How much can I borrow?” The answer, however, is anything but. Many
For many Australians, the biggest hurdle to buying a home isn’t earning enough income. It’s saving a large enough deposit. While wages have grown steadily
For generations of Australians, owning a home in Victoria has represented more than just having a place to live. It’s been a milestone, an investment,
Queensland has become one of Australia’s fastest-growing destinations for first-home buyers. From Brisbane’s expanding suburbs to the lifestyle appeal of the Sunshine Coast and Gold
A new year has a way of forcing the big questions to the surface. Should you finally buy? Keep renting? Or simply continue scrolling through
With the RBA’s Monetary Policy Board meeting coming up on 3–4 November 2025, here’s what we’re watching and how it might shape your mortgage, refinancing
For decades, the “Great Australian Dream” followed a familiar script. Work hard, save diligently, buy a modest first home in your 20s, and watch it
Few policies spark more debate than first-home buyer grants. To some, they’re a lifeline — a financial boost that turns the dream of homeownership into
The 40 year mortgage has arrived in Australia, sparking interest among buyers looking to ease financial pressure. But with every financial solution comes a trade-off.
In a major shift, lenders are now offering interest-only (IO) loans of up to 10 years for owner-occupiers. This is a significant extension from the
The Reserve Bank of Australia (RBA) has taken another step into the rate-cutting cycle, lowering the cash rate to 3.60% this month. This move, down
On 8 July 2025, the Reserve Bank of Australia (RBA) caught markets off guard by holding the official cash rate steady at 3.85%, despite strong
Thinking you need a 20% deposit to buy your first home? Not anymore. Thanks to several updated government initiatives, eligible first-home buyers in 2025 can
Saving a deposit for an investment property can be a major hurdle, especially in Sydney’s property market. But what if there were a way to
Buying property through a trust is a strategy that’s gained traction among investors and families alike — often for reasons like tax planning, asset protection,
Have you ever considered using your superannuation to invest in property? It might sound unconventional, but it’s a legitimate — and potentially effective — strategy
The Reserve Bank of Australia (RBA) has delivered a widely anticipated move, cutting the official cash rate by 25 basis points to 3.85% in its
Planning a new build or renovation? Before you commit a single dollar, it’s crucial to understand how your bank will actually value the finished product.
Building a granny flat isn’t just a smart property move — it’s an opportunity to create space, generate income, or support loved ones. But before
If you’re an Australian expat living abroad and dreaming of investing back home, you’re not alone. Many expats want to take advantage of Australia’s robust
Debt recycling is a powerful financial strategy that helps homeowners maximize the value of their mortgage in a tax-efficient way. By converting home loan debt
Rentvesting is a strategy that allows people to live where they want while still investing in property. Instead of purchasing a home in an expensive
When it comes to home loans in Australia, there are two main types: fixed and variable. Understanding the difference between them can help you make
The Reserve Bank of Australia (RBA) has decided to cut the cash rate to 4.10% and the interest rate on exchange settlement balances to 4.0%.
If you’re wondering how to reduce mortgage interest and save money on your home loan, you’ve likely heard of two popular options: Offset and Redraw
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