Upgraders Archives - Page 2 of 26 - MO'R MORTGAGE OPTIONS

Who owns investment properties? (It might not be who you think it is)

You might think owning an investment property is only for the ultra-wealthy. You’d be wrong. Because many property investors are just everyday people in everyday professions. Here we look at the occupations with the highest number of property investors in Australia and outline practical ways you could potentially become one yourself. Home ownership is still the ‘great Australian dream.’ But once you're lucky enough to get that first home, building an investment property … [Read more...]

Are property prices expected to increase in 2026?

2025 was a challenging year for buyers but a good year for home owners, with the Home Value Index increasing by 8.6% and adding approximately $71.4k to the national median dwelling value. A recent report released by KPMG, suggests Australian house prices across could climb another 7.7% in 2026, despite uncertainty around interest rates. Of course, a lot can happen to impact property prices over the next 12 months. So, how might prices perform in your state? Below is a rundown of … [Read more...]

Buying at Auction with a High LVR Loan

Auctions can be an exhilarating way to secure your dream property, but they do carry additional risks you need to be aware of. Whilst you might try to avoid purchasing via auction altogether, often it’s unavoidable – especially if a property you love is being sold that way. Here we examine the inherent risks associated with purchasing via auction. We also provide some tips help to minimise these risks, so you can give yourself the best chance of securing the property you want without … [Read more...]

How to Buy Property in a Hot Market

You’re juggling work and family life, and yet the Canberra property market feels like you’re trying to buy a property in a race you never signed up for. Bidding wars, properties disappearing in a weekend, races to Exchange — these are just some of the experiences Canberra buyers are having this Spring. If you're house hunting, you may be starting to feel a little defeated or overwhelmed. The good news is that even in a fast-moving market, there are strategies you can adopt to give … [Read more...]

Interest Rates in 2025 and Beyond

Ah, interest rates - the topic that everyone seems to have an opinion on. Four weeks ago, a number of economists were predicting rate cuts in 2025, with more expected early 2026. Three weeks ago, the pundits changed their predictions, suggesting that any rate cut would be pushed back to mid 2026. And just this past week, the goal posts have changed again. Following release of the latest inflation data, commentators are now suggesting further rate cuts may be completely off the table … [Read more...]

How do I buy a property?

You've found a property that ticks all the boxes and seems to be within your budget... exciting times! So what happens next? How do you actually buy a property? Here we explain the steps involved in making an offer, so you can increase your chances of making this property yours! Most of us only buy property a few times in our lives, if we're lucky. So if you're a first time home buyer - or someone who purchased a property several years ago - chances are you might not know how to … [Read more...]

Has your borrowing capacity increased in 2025?

It’s been a busy year on the money front. We've seen tax cuts, rate cuts, and reductions in HECS debts which have all been positives for our financial wellbeing. (Also, there's changes on the way for the First Home Guarantee Scheme too!) But that's not all that’s improved. There’s a decent chance these factors have helped to boost your borrowing power, which makes now a good time to revisit your borrowing capacity. What shapes your borrowing power? Your borrowing power, or … [Read more...]

How could new BNPL regulations affect your ability to get a home loan?

How could new BNPL Regulations Affect Your ability to get a home loan? From 10 June 2025, significant changes have come into effect for Buy Now, Pay Later (BNPL) services in Australia. Previously BNPL services were able to operate outside the National Consumer Credit Protection (NCCP) Act, but are now subject to the same regulations as credit cards and personal loans. The changes are designed to enhance consumer protection and ensure responsible lending practices, which is a positive move. … [Read more...]

Interest rates may have fallen, but repayments seem to be on hold.

If you're a homeowner, 2025 is already looking a little friendlier year (maybe?!) than the rollercoaster that was 2024. We’ve already had two Reserve Bank rate cuts so far this year, and there's chatter from economists that more could be on the way. This is good news if you too have been feeling the pinch of increased living costs. Despite homeowners wanting more funds left in their pockets at the end of each month, plenty of Aussies have chosen (so far) to keep their repayments right … [Read more...]

What is Equity? Do you have any? And how could you use it?

If you own property, you may have encountered the term "equity." Here we explain what it is, how to calculate it, and what it can be used for. What is Equity? Equity is the difference between the current market value of your home and the outstanding balance of your mortgage. Essentially, it represents the portion of your property that you truly own. Over time, equity typically increases as your property appreciates in value and as you pay down your mortgage. How much Equity do you … [Read more...]

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