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Australian Home Loan Guide: Rates, LVR and Key Features
- April 4, 2026
- Posted by: Serres Property Finance
- Category: Guides
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Australian home loans offer a wide range of options, from fixed and variable rates to offset accounts and redraw facilities. The amount you can borrow depends on your income, the lender’s loan-to-value ratio rules, and your location. This guide covers everything you need to know, including what non-residents and expats need to consider.
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Why Your Borrowing Power Has Declined (And What to Do)
- March 20, 2024
- Posted by: Serres Property Finance
- Category: Property and Finance
Australian borrowing power has dropped over 32% since 2020, driven mainly by rising RBA interest rates. This guide explains the key factors behind the decline — the cash rate, your LVR, and lender buffer rates — and the practical steps you can take to improve your position.
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Refinancing When House Prices Are Falling: What to Know
- February 15, 2023
- Posted by: Serres Property Finance
- Category: Guides
Falling house prices affect your equity, LVR and refinancing options. Refinancing for a lower rate can still make sense, but accessing equity becomes harder. Negative equity can block a refinance entirely until values recover.