Your Essential Loan Guide Australia

🏡 Australian Home Loan & Mortgage Broking Market Update – June 2025 Brought to you by The Aussie Lending Lounge | Powered by Loans AU As we reach mid‑2025, Australia’s home loan market is evolving rapidly. Whether you're contemplating your first home purchase, refinancing, or expanding your property portfolio, it’s vital to stay across the latest developments. Here's everything you need to know. 🔍 1. Interest Rates & Refinancing: Borrower Insights Average variable rate : ~5.8% across owner-occupier home loans. Top deals : Rates as low as 5.24%, with refinancing offers around 5.3–5.5%. Refinancing potential : Borrowers may save $50,000+ on a $600,000 loan at lower rates—caution with extended terms. Stay alert for RBA rate cuts later in 2025. Always assess refinance costs and loan term impacts. 🏛 2. Federal Credit Policy & Regulation You Should Know HELP debt reform : From 30 Sept 2025, HELP debts will no longer aff...

  ✅ Top 15 Occupations Eligible for LMI Waiver in 2025 Here are the most commonly approved professions for LMI waivers, based on current lender policy: 1. Doctors & Medical Practitioners General Practitioners Surgeons Anaesthetists Specialists 💡 Up to 90–95% LVR accepted with no LMI 2. Dentists & Oral Surgeons 3. Veterinarians 4. Pharmacists 5. Physiotherapists & Allied Health Professionals 6. Accountants & Auditors Must be CA, CPA, or IPA members 7. Lawyers & Solicitors Admitted to practice in Australia 8. Barristers 9. Engineers Must be registered or members of Engineers Australia or equivalent bodies 10. Architects Must be AIA registered 11. Actuaries 12. Chiropractors & Osteopaths 13. Optometrists 14. Psychologists & Psychiatrists 15. Mining & Energy Sector Professionals Some lenders include geologists, project managers, and engineers in this category 📝 Note: Eligibility criteria vary by lender and profession...

  💥 Interest Rates Are Falling. Mortgage Brokers Are Rising. And Borrowers Are Winning. 💥 🏡 More Aussies Than Ever Are Choosing Smarter Lending Solutions. Are You? Written by The Aussie Lending Lounge – Powered by Loans AU Published: 4 June 2025 2025 has kicked off with powerful shifts in both interest rates and borrower behaviour. With two Reserve Bank of Australia (RBA) cash rate cuts already this year and mortgage brokers hitting an all-time high in market share, the signs are clear: 👉 Now is the time to act. At Loans AU , we’re seeing it firsthand – increased enquiries, stronger competition between lenders, and more Aussies turning to brokers for smarter, personalised advice. Let’s break down the trends you need to know right now. 🔻 Interest Rates: What’s Happening Now? The RBA has already implemented two 25 basis point (bp) cuts this year – one in February and another in May – lowering the cost of borrowing and offering a glimmer of relief to homeowners and propert...

  🏢 Smart Lending for Smarter Properties 💼 Maximise Your LVR. Minimise Your Interest. Grow Your Wealth. 📢 Want to purchase or refinance a commercial property in Australia? Here’s how savvy investors structure their loans to unlock maximum LVR and switch to lower rates — all while keeping cash flow strong and future options open. 💡 The Strategy: Max Out LVR First — Then Refinance to Lower Rates Later Many property buyers start with non-bank lenders . Why? Because they allow up to 80% LVR with flexible interest-only terms — often over 30 years with the first 5 years as interest only . But these come with higher interest rates . 🏦 If you want lower rates , major banks are the long-term solution. They typically offer: ✅ Lower interest rates ✅ Stronger servicing options ✅ Better long-term security However, they often limit LVR to 60–70% — unless you qualify for a hybrid structure. 🔍 The 10% Amortisation Model with Major Lenders : 🔹 10% of the total loan is rep...