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Mortgage Exit Strategy: What Lenders Need to See
- April 4, 2026
- Posted by: Serres Property Finance
- Category: Guides
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If you plan to borrow a home loan close to retirement, lenders will ask for a mortgage exit strategy. This guide explains which strategies are accepted, which are not, and what documents you will need to support your application.
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Mortgage Broker Benefits: 8 Reasons to Use One
- April 4, 2026
- Posted by: Serres Property Finance
- Category: Guides
A mortgage broker compares dozens of lenders to find the right home loan for you. Their service is usually free, and they can often get your application through faster than going directly to a bank. Here are eight reasons why more Australians are turning to brokers.
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Home Equity Loans: How to Unlock Your Property’s Value
- April 3, 2026
- Posted by: Serres Property Finance
- Category: Guides
A home equity loan lets you borrow against the value you have built up in your property. Whether you want to buy an investment property, fund a renovation, or consolidate debt, understanding how equity works puts you in a stronger position to act.
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RBA Rate Cut: How It Affects Your Borrowing Power
- March 4, 2025
- Posted by: Serres Property Finance
- Category: RBA Updates
The RBA’s February 2025 rate cut was the first cash rate reduction since November 2020. We explain what it means for your borrowing power, how much extra you could borrow, and what shifts to expect in lending conditions as rates move lower.
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RBA Rate Cut February 2025: All Four Banks Pass It On
- February 28, 2025
- Posted by: Serres Property Finance
- Category: RBA Updates
The RBA cut the cash rate from 4.35% to 4.10% in February 2025, the first reduction in four years. All four major banks have confirmed they will pass on the full 0.25% cut, reducing variable home loan rates for millions of Australian borrowers.
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RBA Cash Rate Prediction August 2024: Hold Likely
- August 5, 2024
- Posted by: Serres Property Finance
- Category: RBA Updates
With annual CPI at 3.8% heading into August 2024, most economists expect the RBA to hold the cash rate at 4.35%. Here is what the inflation data shows, what a hold means for your home loan repayments, and what to watch in the months ahead.
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Rate Cut Hopes Fade 2024: Strategies for Home Loan Holders
- June 25, 2024
- Posted by: Serres Property Finance
- Category: RBA Updates
Rate cut hopes in 2024 have faded as the RBA signals it is unlikely to ease until 2025. Government spending, rising rents and strong migration are keeping inflation above target. Here is what homeowners, buyers and investors can do right now to manage the prolonged high-rate environment.
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APRA Serviceability Buffer: What the 3% Rule Means
- December 18, 2023
- Posted by: Serres Property Finance
- Category: News
APRA confirmed its serviceability buffer stays at 3% following its 2023 annual review. This means lenders must test your ability to repay at 3% above your actual rate. Here’s what it means for borrowers and how to work within it.
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APRA Serviceability Buffer: What the 3% Rule Means
- December 18, 2023
- Posted by: Serres Property Finance
- Category: News
APRA confirmed its serviceability buffer stays at 3% following its 2023 annual review. This means lenders must test your ability to repay at 3% above your actual rate. Here’s what it means for borrowers and how to work within it.
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RBA Cash Rate Prediction October 2023: Hold Expected
- October 2, 2023
- Posted by: Serres Property Finance
- Category: RBA Updates
Most experts are predicting the RBA will hold the cash rate in October 2023, following global central bank trends and signs of improving inflation. Here is what a hold means for your home loan repayments, buying power, and what you should be doing right now regardless of the outcome.