Last updated: September 2026. This guide covers Australian home loans. It is general information only, not financial advice. Choosing between a fixed and a variable rate is one of the biggest decisions you will make on your home loan. In 2026 the choice is especially tricky. The Reserve Bank of Australia has already raised the
Last updated: September 2026. This guide covers how Australian lenders calculate borrowing capacity. It is general information only, not financial advice. “How much can I borrow?” is usually the first question Australians ask when they start thinking about buying a home. The answer depends on much more than your salary. Lenders look at your income,
Last updated: September 2026. This guide covers home loans and government support for first home buyers in Australia. It is general information only, not financial advice. Buying your first home in Australia is a big step, and the loan you choose can make a huge difference to how quickly you get there and how much
Rates last updated: 24 September 2026. This guide covers Australian home loans. It is general information only, Australian Home Loan Rates at a Glance Rate Latest figure RBA cash rate 4.35% (after rises in February, March and May 2026) Lowest advertised variable rates (owner occupier, P&I) around 5.4% to 5.9%, mostly from non bank and