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Latest news: Mortgages

Hot or not? Strong spending complicates rate picture

Hot or not? Strong spending complicates rate picture

Upcoming data will give the Reserve Bank a better sense of whether higher interest rates are required to take the heat out of Australia's economy.

RBA official's advice to borrowers over inflation data

RBA official's advice to borrowers over inflation data

RBA official's advice to borrowers over inflation data

RBA official's advice to borrowers over inflation data

Mortgage holders have been warned not to expect relief anytime soon with the latest inflation figures unlikely to significantly influence the RBA's thinking.

Dishing the public dosh to force RBA's hand on rates

Dishing the public dosh to force RBA's hand on rates

Dishing the public dosh to force RBA's hand on rates

Dishing the public dosh to force RBA's hand on rates

With the government unlikely to restrain public spending, the Reserve Bank will have to lift rates in 2026 to keep inflation under control, economists say.

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Mixed employment report won't make RBA's job any easier

Mixed employment report won't make RBA's job any easier

Unemployment and jobs growth figures for November tell differing stories about the strength of the labour market, providing little clarity for the Reserve Bank.

Rate rise flagged as RBA does a Grinch with no Xmas cut

Rate rise flagged as RBA does a Grinch with no Xmas cut

More rate relief for borrowers has essentially been ruled out by the Reserve Bank governor as the central bank mulls over when to lift rates again.

Christmas rate relief off the table at last RBA meeting

Christmas rate relief off the table at last RBA meeting

The official cash rate is expected to remain on hold when the Reserve Bank decides on interest rates for the last time in 2025.

Splurging shoppers push economy over speed limit

Splurging shoppers push economy over speed limit

The sharpest rise in household spending in 21 months suggests the economy is continuing to grow in strength, heightening Reserve Bank fears about inflation.

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Australian economy builds as investment roars back

Australian economy builds as investment roars back

Australian economy builds as investment roars back

Australian economy builds as investment roars back

Australia's economic growth rate came in below market expectations, but a strong domestic pulse shows the economy is in good shape.

Risky home loans capped amid 'runaway' investor growth

Risky home loans capped amid 'runaway' investor growth

Risky home loans capped amid 'runaway' investor growth

Risky home loans capped amid 'runaway' investor growth

A pick-up in riskier forms of home lending has prompted a regulator to set limits on high debt-to-income loans, but it is not expected to impact house prices.

Loan defaults bad for business as NAB profit takes hit

Loan defaults bad for business as NAB profit takes hit

Loan defaults bad for business as NAB profit takes hit

Loan defaults bad for business as NAB profit takes hit

Business lending is growing for NAB but so is the level of bad debt from that customer segment, pumping the brakes on profits at the big four bank.

Sticky inflation cruels chances of interest rate relief

Sticky inflation cruels chances of interest rate relief

Sticky inflation cruels chances of interest rate relief

Sticky inflation cruels chances of interest rate relief

Borrowers face the possibility of interest rates going up rather than down again after the Reserve Bank held steady following a spike in inflation.

Pre-Christmas rate relief dashed after inflation spike

Pre-Christmas rate relief dashed after inflation spike

Pre-Christmas rate relief dashed after inflation spike

Pre-Christmas rate relief dashed after inflation spike

All four major banks predict mortgage holders will have to wait until 2026 for rate relief after a larger-than expected inflation rise.

Jobs figures 'settling back' into pre-COVID levels

Jobs figures 'settling back' into pre-COVID levels

Jobs figures 'settling back' into pre-COVID levels

Jobs figures 'settling back' into pre-COVID levels

A shock increase in unemployment rates has been put down to the jobs market coming back to regular rates after pandemic-induced fluctuations.

Rates cut back in the works as jobless figure spikes

Rates cut back in the works as jobless figure spikes

Rates cut back in the works as jobless figure spikes

Rates cut back in the works as jobless figure spikes

An interest rate cut is back in the running on Melbourne Cup day as surprising unemployment figures offer borrowers hope of a home-loan victory.

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Blow for borrowers as Reserve Bank curbs rate-cut hopes

Crucial economic data in coming weeks could determine when mortgage holders can expect more interest rate relief, the Reserve Bank board says.

Renters surprise winners from cheaper mortgage deposits

Despite predictions a five per cent deposit scheme will drive up house prices, analysts say the government policy could be good news for the nation's renters.

Cup Day rate cut in doubt as RBA nears final straight

The odds are lengthening on an interest rate cut on Melbourne Cup Day, as the Reserve Bank adopts a hawkish tone and inflation steps up the pace.

Rates on hold amid Reserve Bank inflation worries

Borrowers have been denied surprise mortgage relief by the Reserve Bank, which left rates on hold after hotter-than-expected inflation figures.

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Budget bottom line in better shape before rates call

Strong jobs and wages numbers have more than halved the budget deficit projected last financial year as the Reserve Bank meets to decide if rates should be cut.

Housing bubble warning as deposit scheme fast-tracked

House prices could surge and mortgage defaults rise when a government scheme to help first home buyers begins ahead of schedule, experts warn.

Rates cut but borrowers told not to bank on more relief

The cash rate has been cut to its lowest level in more than two years, as the Reserve Bank resisted the temptation to wrong-foot analysts twice in two months.

Hopes RBA won't repeat shock rates hold as board meets

The "Trumpification" of the US Federal Reserve provides an unsettling backdrop to the Reserve Bank's August meeting, where it is expected to cut interest rates.

The 'critical' data that could greenlight next rate cut

Economists await key quarterly data that could put the odds firmly in favour of an August interest rate cut, as the Reserve Bank sheds light on its shock hold.

The debt burden stalking Aussies in retirement

More Australians are retiring with hefty mortgages as spiralling home prices delay their entry into the housing market and the trend shows no sign of easing.

Rates hold call cuts deep but bank governor offers hope

The central bank has defied expectations of an interest rate cut as it keeps its sights on inflation and jobs figures, but relief might not be far away.

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