First-Home Buyer Loan Demand Is Down 22%. Is the Real Problem Deposit, Debt, or Borrowing Capacity?
by: Mohit GuptaPublished on: 13/10/2026First-home buyer loan demand fell 22.1% year-on-year in September 2026. High interest rates, record loan sizes, serviceability requirements and living costs may be keeping buyers on the sidelines.
AI Isn’t Just Changing Banking. The RBA Says It Could Become a Financial-Stability Risk.
by: Mohit GuptaPublished on: 12/10/2026The RBA says rapid advances in AI are increasing cyber and operational risks while the global AI investment boom is creating new financial-market exposures. Here’s what it could mean for Australian banks, markets and borrowers.
What If the RBA Stops Hiking, But Mortgage Rates Still Don’t Fall?
by: Mohit GuptaPublished on: 12/10/2026Global bond yields and bank funding costs are rising even as borrowers watch for the end of the RBA hiking cycle. Learn why Australian mortgage rates do not depend on the cash rate alone.
Could Your Home Be Affordable to Buy, But Too Expensive to Insure?
by: Mohit GuptaPublished on: 09/10/2026The RBA and APRA are warning that home insurance affordability could deteriorate significantly over coming decades. Here’s why insurance costs increasingly matter when assessing the real affordability and risk of buying property.
