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Author name: QMP Financial

Close-up of two hands exchanging house keys, symbolizing a successful property transaction in a buyer's market.

Why Now is the Right Time to Buy in Australia’s Changing Property Market

Uncategorized

Australia’s property market is undergoing a notable transformation. After years where sellers had the upper hand, the tide is now turning, offering buyers a rare opportunity to take control. But this window of favorable conditions won’t last forever, making it crucial to act with purpose and preparation. A Changing Landscape for Buyers For those waiting […]

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Man pulling a rope on a credit score scale, trying to improve his score from poor to good, symbolizing the effort to raise credit scores for better loan approval chances.

Have Bad Credit? Here’s How to Get Approved for a Loan!

Featured, Finance Help

Having bad credit can make getting approved for a loan feel like an uphill battle. Lenders often view applicants with low credit scores as higher risks, leading to increased interest rates or, in some cases, outright rejections. However, if you’re facing a financial need — like consolidating debt, covering an emergency expense, or funding a

Have Bad Credit? Here’s How to Get Approved for a Loan! Read More »

A line graph illustrating an upward trend in loan volumes, with part of the line creatively shaped like a house, symbolizing growth in the housing market.

Australian Loan Market Sees Growth: Insights from September 2024 Quarter

Buying My First Home, Featured, Finance Help, Investing In Property, News

The Australian property and mortgage market saw a significant lift in new loan volumes over the September 2024 quarter, reflecting a strong trend toward home ownership and investment, even amid economic uncertainties. This quarter’s numbers indicate a total of 137,186 new loans, marking a 16.2% increase compared to the previous year. Here’s a closer look

Australian Loan Market Sees Growth: Insights from September 2024 Quarter Read More »

The number 2025 positioned atop stacks of coins, symbolizing financial growth and planning for the future.

Essential Year-End Financial Moves for Homeowners and Buyers

Buying My First Home, Featured, Finance Help, Refinancing My Home Loan

As we approach the final months of 2024, now is the perfect time for homeowners and potential buyers to assess their financial situation. The Australian property market has seen some key shifts this year, including interest rate stabilization, a slowdown in refinancing, and investor activity still on the rise. Whether you’re looking to refinance or

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A couple examines a potential new home, contemplating their future. The decision to buy hinges not only on the property itself but also on the current cash rate, which can significantly impact their mortgage options and financial readiness.

Why Waiting for the Perfect RBA Cash Rate Could Backfire

Buying My First Home, Featured, Finance Help, Investing In Property, RBA Updates

Buying your first home is a huge milestone, and it’s natural to want the best deal possible. But when it comes to snagging the lowest interest rate, chasing ‘perfect timing’ could end up doing more harm than good—especially in today’s dynamic environment, where the Reserve Bank of Australia (RBA) has recently updated its cash rate.

Why Waiting for the Perfect RBA Cash Rate Could Backfire Read More »

A cluttered table filled with various bills and invoices, symbolizing the financial challenges home buyers face in managing rising living costs while trying to achieve homeownership.

Can Rising Living Costs Keep Home Buyers from Owning a Home? Here’s How to Make It Happen

Buying My First Home, Featured, Finance Help

The cost of living has overtaken housing affordability as the primary obstacle to home ownership, according to Helia’s 2024 Home Buyer Sentiment Report. Based on a survey of 3,002 prospective buyers, the research highlighted that the financial hurdles faced by home buyers are shifting, with the “cost of living” now seen as the leading barrier

Can Rising Living Costs Keep Home Buyers from Owning a Home? Here’s How to Make It Happen Read More »

Image of a paper document with 'Debt to Income Ratio (DTI)' written on it, symbolizing financial understanding and empowerment.

Is Your DTI Limiting Your Financial Freedom? Learn How to Master It!

Featured, Finance Help

In the ever-evolving landscape of personal finance, certain metrics hold more sway than others. One such metric, the Debt to Income ratio (DTI), is gaining increasing prominence in the world of lending and financial decision-making. As we step into an era where regulatory changes are amplifying the importance of DTI, it’s crucial to grasp its

Is Your DTI Limiting Your Financial Freedom? Learn How to Master It! Read More »