Last week the Reserve Bank decided to keep the cash rate steady at 3.60%, taking a careful stance as inflation and housing pressures continue. For many borrowers, this pause offers a valuable window to take stock of their current loans.

Key Finding from the Home Price Index - October 2025

Spring has brought renewed energy to the property market, with home price growth evident across Australia. Buyer confidence is returning, and more sellers are testing the market with fresh listings.

Melbourne’s rental market remains tight, with strong demand and rising yields. For investors, this is an ideal time to review loan structures and ensure they’re working efficiently.

News reports on changes to one of the First Home Buyer Schemes have been in the headlines, but just in case you have missed it: The Federal Government Home Guarantee Scheme which effectively replaces the need for a parent guarantee has been extended to include more people, and more property.

Read our October newsletter here, and as always please get in touch if we can assist in any way.

Congratulations on owning your own home! Paying it off will be hard work, but everyone has a mortgage, so it will be OK – won’t it? Unfortunately, many do not fully think that through. Debt is a reality for millions of Australians – from mortgages and car loans to credit cards and personal finance agreements. While debt itself isn’t inherently bad, it becomes a serious risk when life throws the unexpected your way.

Home affordability continues to be a major talking point. Recent Government benefit changes to first home buyers have helped those buyers. But really that is treating the symptom not the problem.

The Federal Government is expanding the Home Guarantee Scheme starting 1 October, and this change is set to make home ownership a more attainable goal for many. Here’s what it means, and how Integrity Finance can help you take advantage.

Take a look at our Focus on Melbourne, read about EOFY matters and the Great Housing Debate in our June newsletter here.

Housing debates often revolve around either the affordability crisis, or property as an investment. With the two often interlinked. We have spoken about Melbourne home price underperformance but the housing debate is a national issue.

If you have a HECS or HELP debt and you're thinking about buying your first home, there’s some good news. Recent changes to how HECS-HELP is treated by lenders could make it easier to qualify for a home loan—and potentially boost your borrowing power.

As the end of the financial year (EOFY) creeps up quickly, now is the time to take a good look at your finances - especially if you own an investment property or are thinking about buying one. Whether it’s about tax savings, getting ahead on your home loan, or planning your next move, there are a few smart things you can do before the clock runs out.