by Peter Ristevski | Dec 10, 2025 | APRA, Home loans, Mortgages, Property Investment
The Australian Prudential Regulation Authority (APRA) has announced a significant shift in the way banks assess mortgage risk, introducing debt-to-income (DTI) lending limits for the first time in Australia’s history. These new rules, effective 1 February 2026, place...
by Investment Plus Accounting Group | Nov 1, 2024 | First Home Buyers, Home loans, Mortgages, Property Investment
Pre-approval is often the first step for those embarking on the journey to homeownership. While it’s not strictly necessary, securing pre-approval can alleviate stress and provide a clear understanding of your borrowing power. This confidence can be invaluable...
by Peter Ristevski | Jan 22, 2024 | Finance and Loans, How To, Mortgages, Refinancing
Why pay down your home loan faster You might wish to boost your repayments now, so that you can enjoy the freedom of being mortgage-free. This could help bring forward the overseas holiday you’ve been promising yourself, or help your children complete their education....
by Investment Plus Accounting Group | Jul 21, 2023 | Finance, Finance and Loans, Housing Prices, Money Saving Tips, Refinancing
We understand that loans can be a valuable financial tool. You can’t live with them or without them. They provide individuals and businesses with the necessary funds to achieve their goals. However, there can be several problems associated with loans. Avoiding common...
by Investment Plus Accounting Group | Jul 11, 2023 | Finance, Finance and Loans, Money Saving Tips, Mortgages, Refinancing
The Reserve Bank of Australia (RBA) has been steadily increasing the cash rate since May 2022, causing a ripple effect that has left many investors with variable-interest loans on their investment properties wrestling with the consequences. As interest rates continue...
