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.

Do we now lock in our fixed interest rates to protect ourselves from future increases, or proceed with variable rates? This week, the Reserve Bank of Australia (RBA) did confirm that the official cash rate was holding steady, but they were forced to formally dump its future 0.1 percent three-year bond yield target. Markets reacted instantly with bond yields rising sharply and big banks raising their fixed mortgage interest rates.

The Australian Prudential Regulation Authority (APRA) has made its move to tighten lending standards and cool our housing market, more specifically, to slow down the rate at which our banks are lending money. Here is what you need to know.

Spring is here, typically the busiest time of the year for our real estate and finance world. As vaccination rates rise, lockdown restrictions ease, and the Reserve Bank of Australia (RBA) continues its stimulus support, what will happen to house price growth? We explore this and more in this month’s Black & White Finance September 2021 update.

It was only in June were we talking about rising interest rates & tougher borrowing measures in response to a rapidly moving property market & the economy’s healthy state. Now, we’re in a messy lockdown situation with the horizon looking potentially different. Will the property market slow down? What are bank lending policies likely to do in response? We explore this and more in this month’s Black & White Finance July 2021 update.

It is now official: Interest rates are going up and borrowing money is going to get a little tougher. The jobless rate is heading below 5 percent, and the economy is in a much better shape than anticipated. We look at which specific banks are doing what in response to these economic changes and more in this month’s Black & White Finance June 2021 update.

The 2021 Federal Budget has been delivered to really springboard the economy. “Our housing measures go even further” our federal treasurer Josh Frydenberg stated in parliament yesterday to help more Australians in the housing market. Here is our quick summary of this budget, through a property and finance lens. Enjoy.

This month's snack-sized update is in video format looking at the sustainability of the current housing boom. We also look at what the Regulator or the RBA may do as a result, and how this could impact your next home loan approval.

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.

“Your camera is turned off”, “Let’s zoom”, “You’re on mute”. I think we’ve all been saying these phrases a few too many times this year. From all of us here at Black & White Finance, thank you for your support during 2020. It’s been a huge one that’s for sure. We wish you and your loved ones a happy, safe, and healthy holiday season – regardless of our circumstances, let’s try and make the most of it!

What about that for news to digest! Our Federal Treasurer, Hon. Josh Frydenberg MP, delivered the 2020 Federal Budget and as expected, there’s a significant amount being spent to try and springboard the economy. On the same day, Governer Philip Lowe signalled that lower interest rates could be on the way. See here our quick summary of what this all means, from a property and finance perspective. Enjoy.

Hey all you Black & White Finance followers! It’s been truly humbling to have had a busy past 2 months and we’ve definitely had our hands full. So much so that we’ve even hired 2 amazing new team members. This month, we’ll introduce you to these quality newbies we’re blessed to have on board & cover property price predictions for the near future. Enjoy!

June has been a massive month in the world of property and finance.
With many uncertain about where the property market is actually heading, the Australian government has stepped in to try and boost the residential construction sector, and we’ve broken down this HomeBuilder Grant below for you. See who qualifies and who doesn't for this scheme.
Also in this month’s blog, we delve into Australian clearance rates and which states are ahead of the curve with auction results.
Enjoy!

The Australian public has done well to adapt to social distancing laws relative to the rest of the world, but what does this mean for the property market? Will there be an adverse effect on the market as a whole? What is happening to our interest rates and bank offerings? What does this all mean for potential first home buyers in this trying time? All this and more in this month’s blog!

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're here to help through this uncertain time! If you, or anyone you know, has been impacted by the consequences of COVID-19, here's a summary of what the banks are offering in terms of supportive measures for home loan and small business customers.

As the coronavirus spreads, and we distance ourselves from one another, including plugging in from home, we focus this month on the inevitable impacts this pandemic may have on real estate, our banks and the broader economy.

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!