Interest rates will definitely rise again in the coming months, but there’s more of a case building for this downward cycle in property prices to only last until the middle of next year as rates then go the other way, down. Even though borrowing is already tight and will become more expensive, rising rents and a longer term property focus, just might be providing for some good buying conditions.

On another note, as you may know, we tacked the City2Surf, dedicating our challenge to the Royal Flying Doctor Service. Feel free to help us, help those, who live a little further away, we would love you to support our cause. A huge thanks to those who have contributed to our charitable cause already – we appreciate you.

Exorbitant fuel, grocery, construction costs and now wage pressures, are providing the Reserve Bank of Australia (RBA) with many problems and interest rates will as a result continue to go up. Two big Australian banks say the RBA will raise it’s interest rate significantly higher than previously estimated. It’s likely then that house prices will inevitably continue to come down, but for how long will this cycle last before it reverses again? Will the RBA go too hard in the next 12 months? Will rates come down next year?

Inflation, higher fixed and variable rates, tighter lending conditions and worsening affordability are all contributing factors causing many experts to believe that residential property prices will fall significantly. But will it all be as bad as what some think? Or will it be an orderly downturn, with somewhat normal conditions, that present short-term opportunities for some including investors and first home buyers?

Is the property market going to crash? When will my interest rate rise? Should I fix the repayments on my home loan? After listening and speaking to Corelogic’s Tim Lawless at the most recent industry conference, and with having our ears close to all things property and finance related, we’re able to answer these common questions for you. Today we also celebrate and thank you, for being in business for 5 years, now with more people, more experience, and more hands-on-deck to help you with your next home loan approval.

Here’s what to expect from the banks and our residential property market which will impact your loan and property value in 2022. Experts are predicting only gradual property price rises and more interest rate hikes. This is our last snack-sized update for the year before we leave you to enjoy a much-earned break.

In this month's update, our RBA pulls strings in the market, house price growth, loan approvals, clearance rates all soar, and low-interest rates here to stay.

With a heavier focus on #StayAtHome and Social distancing, living online has completely changed the way we do life. In this months update, we’ll be covering how lending has changed, the domino effect COVID-19 is having on housing prices, and look at the consequences to clearance rates.

We have property predictions, data on how the first home buyers scheme is tracking, and who has the best home loan interest rates in February’s Black & White Finance update. Let’s get started!

Welcome back, we hope your holiday period was full of love and cheer with friends and family. In 2020, some will purchase their first property, add to their growing portfolio, or refinance their home loan to a cheaper rate and Black & White Finance is here to help every step of the way - here's what to look out for this year.