Tag: property finance
All the articles with the tag "property finance".
refinance trap 
The $50,000 Trap Facing Borrowers as Rate Hikes Sweeten the Lure of Cheaper Home Loans
Rate hikes are making cheap home loans more attractive, but Sydney borrowers who refinance purely on rate risk a hidden $50,000 trap. We break down the costs, show how 'savings' evaporate with wrong terms, and explain what to compare instead—with 2026 data from RBA, APRA, and CoreLogic.
borrowing capacity 
How Much Can You Actually Borrow for a Sydney Property — and Why Is It Harder Here?
Sydney’s sky-high property prices stretch borrowing capacity further than almost anywhere else in Australia. This guide unpacks the income-to-price gap, APRA’s serviceability rules, and practical ways to sharpen your position — without promising approvals or specific loan amounts.