Your Essential Loan Guide Australia

  Published by: The Aussie Lending Lounge by Loans AU Looking to secure a 🏢 commercial property in Australia? Whether you're investing in a retail space, warehouse, office, or mixed-use asset, commercial lending can feel complex — but it doesn’t have to be. At Loans AU , we make the process easy, strategic, and results-focused 💼✨ Here’s how we help you from day one to settlement — and beyond. 📊 What Loan-to-Value Ratios (LVR) Can You Expect? ✅ Major Banks : Up to 65–70% ✅ Non-Bank Lenders : Up to 75% ✅ Private Lenders : Up to 80% (higher flexibility, higher cost) 💡 Tip : If your valuation falls short , having extra funds available can be a deal-saver. 🏢 Ownership Structures That Lenders Accept You can purchase under: 👤 Your personal name 🏢 A company 🤝 A unit trust 👨‍👩‍👧‍👦 A discretionary (family) trust Each structure affects: 💰 Capital Gains Tax (CGT) 🏠 Land tax thresholds 💼 GST obligations 📌 Trust setup? Allow 5–10 business days. Talk to y...

Results That Matter: $20M+ in Client Loans Approved Last Month Alone Written by: The Aussie Lending Lounge – Powered by Loans AU At The Aussie Lending Lounge , we believe in one thing above all else — results . And last month, we delivered in a big way. In just 30 days, our expert mortgage brokers at Loans AU helped Australians secure over $20 million in approved loans . These weren’t just applications pushed through a system — they were hand-crafted loan strategies built for real people, with real financial goals, and real timelines. Whether you're buying your first home, refinancing for a better rate, accessing equity to invest, or growing your business — the team at Loans AU is here to get you funded faster and smarter. 💡 The Breakdown: $20M in Loans, Real Clients, Real Wins Here’s what made up that impressive $20 million figure: $11 million in owner-occupied home loans $5.5 million in investment property loans $2.2 million in business loans $1.3 million in refin...

  🏡 May 2025 Home Loan Market Update Brought to you by The Aussie Lending Lounge by Loans AU With interest rates shifting and the property market evolving, staying informed is more important than ever. Here's a quick update on current home loan rates, economic trends, and what it means for buyers and investors this month. 📉 RBA Cuts Cash Rate to 3.85% The Reserve Bank of Australia (RBA) reduced the official cash rate to 3.85% in May 2025 to support economic growth and ease cost-of-living pressures. This move opens new opportunities for borrowers looking to refinance, buy their first home, or invest in property. 🏦 Home Loan Rate Comparison (Big 4 Banks) Bank Variable Rate 1-Year Fixed 3-Year Fixed 5-Year Fixed Westpac 5.94% 5.99% 6.19% 6.39% Commonwealth Bank 5.59% 5.99% 6.19% 6.39% NAB 5.39% 5.84% 6.04% 6.24% ANZ 5.59% 5.99% 6.19% 6.39% 📈 ...

  🔻 RBA Cuts Rate to 3.85% – What This Means for Your Mortgage and Where to Invest in 2025 Published by The Aussie Lending Lounge at Loans AU 🗓️ 20 May 2025 | 📍 Sydney, Australia The Reserve Bank of Australia (RBA) has officially cut the cash rate to 3.85% , marking a significant shift in the lending landscape and economic outlook for 2025. For current mortgage holders, first home buyers, and commercial property investors, this move unlocks new financial opportunities — including better rates, improved borrowing power, and clearer signals on where to invest next. Let’s break it down. 🏠 Homeowners & Refinancers – This Is Your Window If you’re paying above 6% interest , you’re likely overpaying in 2025’s softer rate environment. Here’s what this rate cut means for you: 🔻 Variable rates are already trending lower across multiple banks 💰 Refinancing now could save thousands — even before fixed rate cliffs hit 📊 Lender serviceability buffers may ease slightly, impr...

  Free Loan Assessment: Take Advantage of 2025's Lower Interest Rates By The Aussie Lending Lounge – Loans AU 📉 RBA's recent decisions have paved the way for lower mortgage repayments – and Australians are already taking action. If you’re still paying over 6% interest on your home or investment loan, you’re likely overpaying. At Loans AU , we’re helping thousands of Australians take advantage of the 2025 interest rate cuts with a free loan assessment – no strings attached. 💡 Why You Should Refinance in 2025 ✅ Current RBA Cash Rate: 4.10% (as of May 2025) The Reserve Bank of Australia is holding the cash rate steady at 4.10%. But that may not last long… 📉 Anticipated RBA Rate Cut in May 2025 Economists are forecasting a 25 basis point cut in the upcoming May 20, 2025 RBA meeting – bringing the rate down to 3.85% . This comes on the back of slowing inflation and weakening consumer spending. Top banks including ANZ and Westpac are also predicting further cuts into July ...

Australian Property Market Powers Ahead: RBA Cuts Loom, Investor Hotspots Emerge By Loans AU Finance Desk | May 2025 Australia's property market is heating up, and the numbers don’t lie. With the Reserve Bank of Australia holding the cash rate at 4.10% and all eyes on a possible rate cut on May 20 , homeowners and investors are taking action. This could be the golden quarter to refinance or reinvest—before the next rate drop. Rate Cuts on the Horizon? Banks Bet Yes Economists at the big four banks predict a 25–50 basis point rate cut this month. NAB sees rates falling as low as 2.6% by early 2026. Many lenders are already lowering fixed rates in anticipation. Variable Rate Snapshot – May 2025 CBA Digital Loan: 5.84% ANZ / Westpac: 5.84% NAB: 6.19% Unloan (CBA): 5.74% Second-Tier & Non-Bank: Reduce Home Loans: 5.74% NRMA: 5.78% IMB Bank: 5.89% Queensland Country Bank: 5.74% Auction Markets Holding Firm Latest clearance rates:...

  🏠 How Much Can You Borrow in Australia with a $70k, $100k, or $150k Income? If you’re planning to buy a home in Australia, one of your first questions is likely: “How much can I borrow?” Whether you're earning $70,000, $100,000, $150,000—or even more—understanding your borrowing capacity is key to setting your property goals. In this article, we break down borrowing power by income bracket and explain how Loans AU can help you navigate the process smoothly. 📊 Income vs Borrowing Capacity: Key Examples When lenders assess how much you can borrow , they consider your income, expenses, liabilities, credit score, and the type of loan you’re applying for. Let’s look at estimated borrowing capacities for different income levels (based on a single applicant with average living expenses, minimal debts, and a 30-year loan term at approx. 6% p.a. variable rate): 1️⃣ $70,000 Income: Estimated borrowing capacity: around $350,000 to $420,000 Suitable for entry-level...

  🏠 Fixed vs Variable Home Loans: Which One is Better in 2025? When it comes to securing a mortgage in Australia, the big question many buyers ask is: “Should I go with a fixed or variable rate?” In this article, we break down everything you need to know about Fixed vs Variable Home Loan 2025 — helping you make a confident decision whether you're buying a home 🏡 or investing in a commercial property 🏢. 🔢 Latest Home Loan Interest Rates (May 2025) Understanding current interest rates is crucial in the Fixed vs Variable Home Loan 2025 debate. Here's a snapshot of the latest rates offered by major banks and non-bank lenders: 🏦 Major Banks ANZ Variable Rate: 6.19% p.a. (for LVR <70%) Fixed Rates: 1-year: 5.74% p.a. 2-year: 5.64% p.a. 3-year: 5.84% p.a. 4-year: 6.04% p.a. 5-year: 6.04% p.a. NAB Variable Rate: 6.54% p.a. (LVR ≤60%) Fixed Rates: 1-year: 5.79% p.a. 2-year: 5.74%...

  Top 5 Mistakes First Home Buyers Make (and How to Avoid Them) Buying your first home is one of life’s biggest milestones—but it’s also one of the trickiest financial steps you’ll ever take. At Loans AU, we know just how exciting (and overwhelming) the process can feel, especially for younger buyers stepping onto the property ladder. Unfortunately, First Home Buyer Mistakes Australia are more common than you think—and they can cost you time, money, and missed opportunities. We’ve put together the top 5 mistakes first home buyers make —and how to avoid them—with the right advice and a solid game plan. 1️⃣ Not Getting Pre-Approved Early One of the most common First Home Buyer Mistakes Australia is starting the house hunt without a pre-approval. Without it, you risk falling in love with a property only to find out later that it’s out of your budget. Loans AU Tip: We help you secure fast pre-approvals so you know exactly where you stand from day one. Our team streamlines...

  How Much Deposit Do You Really Need to Buy a Home in Australia? One of the biggest questions home buyers ask is: “How much deposit do I really need?” Whether you're in Sydney, Melbourne, Brisbane, Perth, or Adelaide , understanding how home loan deposits in Australia work is crucial to getting your foot on the property ladder. In this article, we break down the minimum deposit requirements, explain the pros and cons of different deposit sizes (5%, 10%, 20%), discuss the impact of Lenders Mortgage Insurance (LMI), and explore how government schemes can help you buy sooner. What Is a Home Loan Deposit? A home loan deposit in Australia is the upfront cash contribution you make towards purchasing your property. Lenders typically require a percentage of the property’s price as a deposit to secure your mortgage. For example, if you're buying a property in Sydney for $700,000, a 20% deposit would be $140,000. Buying With a 5% Deposit It’s possible to buy a home i...