INSIGHTS

Homeowners in Sydney, have you noticed this feeling lately? Your property is still the same, but something in the air has changed. Interest rates remain high, and your monthly repayments are significantly higher than last year. Banks are quietly tightening their borrowing capacity assessments—your income hasn't changed, but you can borrow less. Inflation has eased slightly, but the cost of groceries, petrol, and insurance is still elevated. Every trip to the supermarket or th

Everyone is focused on the tax reform, but your borrowing power is already changing quietly. The headlines are hitting you every day. Rate hikes. High inflation. And Labour's biggest tax change in a generation. Everyone is arguing about negative gearing and capital gains tax. But here is what no one is telling you: Your borrowing power has already changed. Not in 2027. Now. Banks are already adjusting their assessment models. If you wait for the legislation to pass before che

Did you know Australia is home to over 100 banks? Yet most Sydney homeowners only ever speak to one of the "Big Four." At MoreMore Finance, we are accredited with almost 100 lenders—because we know the best deal rarely comes from the biggest billboard. In this article, we pull back the curtain on Australia's "forgotten" lenders: customer-owned banks, mutual banks, credit unions, and non-bank lenders. Here is why they deserve your attention. The Numbers: It's Not a Two-Horse R

If you're a Sydney property owner or investor, you've probably noticed the local market has hit a soft patch. Meanwhile, other parts of the country are running hot. This "two-speed" market is the defining feature of Australian property in early 2026. And for Sydney investors sitting on equity, it presents a genuine opportunity—provided you have the right strategy and the right team on the ground. Here's what's happening across the country right now and why partnering with a b

To be honest, are you feeling a bit overwhelmed lately? We hear the same news every day: banks are raising fixed rates, regulators are auditing, and experts are talking about a cooling market. For Sydney homeowners and buyers, the real question behind these headlines is: Is your household budget actually secure? Today, let's skip the speculation and talk facts. A simple five-minute test can show you exactly where you stand. First, look at what your actual monthly mortgage pay

As 2025 draws to a close, it marks not just the passage of time but the end of a structural era for Australia's credit market. We are witnessing a profound migration of power—from a centralized banking system towards specialized, decentralized advisory networks. This is not a cyclical fluctuation but a fundamental restructuring of the financial intermediation model. The combined weight of regulation, economic gravity, and the vector of client trust is pushing mortgage brokers

The Market Feels Like It's Cooling, But Data Shows Soaring Prices! The Complete Truth About Australia's Real Estate Market Walking into an auction, the competition no longer seems as fierce as it was at the start of the year, yet the latest data from Domain shows clearance rates in Sydney and Melbourne still holding firm at high levels around 65%. Your Feelings Are Deceiving You: Over the past 12 months, national housing prices actually rose by 6.1%, hitting a new two-year hi

Breaking: 5% Deposit Scheme Applications Have Skyrocketed. Here’s Your Insider Guide. The floodgates have opened. Since the Australian Government supercharged the 5% Deposit Scheme in October 2025, we've seen a 200% surge in mortgage applications. For hopeful homebuyers, this means one thing: the race is on, and the rules have changed. The expansion of the 5% Deposit Scheme was the news Sydney first-home buyers were waiting for. But this unprecedented opportunity has triggere

The single biggest change to first home buyer assistance in Australia is coming. On 1 October 2025, the government's Home Guarantee...

If you’ve been watching Australia’s apartment market over the past half-decade, you’ve seen it all—plunging rents, skyrocketing prices,...

At MoreMore Finance, we specialise in helping Australians secure affordable and flexible car loans — whether you're buying a personal...

For many young Australians and new migrants, purchasing their first home is both a major milestone and a significant challenge. The good...

Purchasing your first home is a major life achievement—but in today’s competitive market, it can seem daunting. With the Labor Party’s...

Here’s your clean, step-by-step pathway to becoming a mortgage broker in Australia, focused on action steps and insider tips to...

Australia's mortgage broking industry has experienced remarkable market share growth over the past decade. According to March 2025 data...

The complete replacement of mortgage brokers by AI in Australia is unlikely to happen in the near future, and it may never happen...

When purchasing residential property in Australia, deciding whether to buy under a company, trust, or personal name depends on factors...

A Low Doc Home Loan in Australia is a type of mortgage designed for borrowers who may not have the standard documentation required for...

A mortgage refinancing (refinancing) refers to transferring an existing mortgage to another financial institution or changing the terms...

The "Bank of Mum and Dad" (financial assistance from parents or family) plays a significant role in helping Australians buy property,...