# Origin Finance - Home Finance For Australians

> Mortgage Brokers Australia | Home & Investment Loans


## Posts

- [Renting or buying – which is best for you?](https://originfinance.com.au/renting-or-buying-which-is-best-for-you-2/): When it comes to property, the decision between renting and buying is often a difficult one.
- [Interest rate limbo - how low can you go](https://originfinance.com.au/interest-rate-limbo-how-low-can-you-go/)
- [Can You Be Sure You Got the Best Deal?](https://originfinance.com.au/occaecati-sit-maxime-deserunt/): Recent research by Digital Finance Analytics proved this point. They calculated that since January banks have been heavily discounting interest rates.
- [Origin Finance and Chan & Naylor unite to form national brokerage](https://originfinance.com.au/origin-finance-and-chan-naylor-unite-to-form-national-brokerage-2/): A new national mortgage group will use white label products as part of a strategy to offer clients a one-stop shop for finance.
- [Origin Finance and Chan & Naylor unite to form national brokerage](https://originfinance.com.au/origin-finance-and-chan-naylor-unite-to-form-national-brokerage/): A new national mortgage group will use white label products as part of a strategy to offer clients a one-stop shop for finance.
- [Steps to building a successful investment portfolio](https://originfinance.com.au/steps-to-building-a-successful-investment-portfolio/): Thanks to our strong property market and tax concessions for investors, property investment is a popular pastime in Australia, and can even provide a full-time income for some people.
- [Is spring the right time to buy?](https://originfinance.com.au/is-spring-the-right-time-to-buy/): Spring is widely known as the busiest time in the home buying calendar as the nicer weather draws more buyers out to property inspections, and drives more vendors to list their properties.
- [Henry Daniell – Director of First Impressions](https://originfinance.com.au/henry-daniell-director-of-first-impressions/): by Insurance Business | Sep 19, 2014 http://www.ibamag.com/news/far-out-friday-face-licking-tension-reliever-19573.aspx Licking your co-workers' faces would get you fired in most companies, but for a new hire at one North Sydney mortgage brokerage, it's in his job description.
- [My Wife's Bottom](https://originfinance.com.au/my-wifes-bottom/): Many of you will have heard me say this before – but my wife has a phenomenally attractive bottom.
- [Online home loans with bad credit](https://originfinance.com.au/online-home-loans-with-bad-credit/): Just because you have less than stellar credit doesn’t mean that you can’t find affordable online home loans.
- [Lenders Mortgage Insurance?](https://originfinance.com.au/lenders-mortgage-insurance/): Mortgage insurance sounds like such a great idea - until you learn it's there to protect the lender and not you.
- [Is an interest only mortgage right for you?](https://originfinance.com.au/is-an-interest-only-mortgage-right-for-you/): When considering whether or not to obtain an interest only mortgage you should have all of the facts.
- [Home loan comparison only benefits you](https://originfinance.com.au/home-loan-comparison-only-benefits-you/): Home loan comparison only benefits you!
- [Finding a Better Interest Rate](https://originfinance.com.au/finding-a-better-interest-rate/): At Origin Finance, you’ll find it so much easier to search, compare Interest Rates and apply for financial products.
- [Buying a Second Property](https://originfinance.com.au/buying-a-second-property/): Your current property may have appreciated in value, thus decreasing the percentage of the valuation of the property that you need to borrow.
- [Buying a Farm? ](https://originfinance.com.au/buying-a-farm/): Have you been dreaming of waking up in crisp clear country air?
- [Best mortgage advice from asking questions](https://originfinance.com.au/best-mortgage-advice-from-asking-questions/): When it comes to securing a home loan, it seems that everyone has an opinion.
- [Buying an Investment Property?](https://originfinance.com.au/buying-an-investment-property-2/): Home loans for investment properties are vitally important financial tools that have the power to either help or hinder your investment growth.
- [Buying an Investment Property](https://originfinance.com.au/buying-an-investment-property/): Buying an Investment Property?
- [How to get the best mortgage interest rate](https://originfinance.com.au/how-to-get-the-best-mortgage-interest-rate/): Securing the best mortgage interest rate can mean thousands of dollars of savings over the life of your home loan.
- [Your investment working for you!](https://originfinance.com.au/your-investment-working-for-you/): Home equity loans. Buying your own home is probably the biggest investment you’ll ever make. Your home is also likely to be your biggest asset.
- [Having a Baby?](https://originfinance.com.au/having-a-baby/): Having a baby can be a wonderful time - and it can also be a very busy time!
- [Growing Family](https://originfinance.com.au/growing-family/): A bigger family, due a new baby, or re-marriage with additional children, or having the grandparents moving in.
- [Getting Married?](https://originfinance.com.au/getting-married/): Getting married is one choice in life that leads to many others - and for most people a home comes into the picture.
- [Getting Divorced?](https://originfinance.com.au/getting-divorced/): Divorce is never easy, is often complicated and comes with a lot of decisions.
- [Fully Featured Home Loans - Variable Home Loans](https://originfinance.com.au/fully-featured-home-loans-variable-home-loans/): This is a common offer by banks and has been used by many people to buy their first homes.
- [Flexible Rate Mortgage](https://originfinance.com.au/flexible-rate-mortgage/): Variable rates move up and down in line with the Reserve Bank cash rate and the rates banks pay for funding, which means they are subject to change without notice.
- [Fixed Rate Home Loans](https://originfinance.com.au/fixed-rate-home-loans/): Fixed rate mortgages are a great way to combat rising interest rates.
- [Home Loan and Mortgage Guide](https://originfinance.com.au/home-loan-and-mortgage-guide-2/): Most home loans take around 48-72 hours to progress from the initial application to approval stage.
- [Business Loans for Commercial Investment](https://originfinance.com.au/business-loans-for-commercial-investment/): In addition to home loans our mortgage brokers also able to advise you on and provide a full range of business loans, including small business loans, and for property finance and investment property finance.
- [Home Loan and Mortgage Guide](https://originfinance.com.au/home-loan-and-mortgage-guide/): Most home loans take around 48-72 hours to progress from the initial application to approval stage.
- [What to Ask Your Broker](https://originfinance.com.au/what-to-ask-your-broker/): Navigating the home buying process can be mind boggling, which is where your mortgage broker’s help comes into play.
- [Qualifying for your first mortgage](https://originfinance.com.au/qualifying-for-your-first-mortgage/): Purchasing your first home can be a very rewarding experience.
- [Finance your first home](https://originfinance.com.au/finance-your-first-home/): Origin Finance makes it easier to buy your first home sooner, with our flexible home loan products. You can borrow up to 95% of the property value.
- [First Home Owners Grant](https://originfinance.com.au/first-home-owners-grant/): The First Home Owner Grant (FHOG) is a national scheme set up to encourage and assist home ownership.
- [Buying a First Home](https://originfinance.com.au/buying-a-first-home/): Buying a First Home? Buying your first home is exciting and a little scary at the same time.
- [First Home Buyers](https://originfinance.com.au/first-home-buyers/): Being a first time buyer, the staggering number of home loans available can be overwhelming. At Origin Finance, we put you first.
- [Family Equity Home Loans That Open Options](https://originfinance.com.au/family-equity-home-loans-that-open-options/): Have the kids left home? Then welcome to the empty nest club! After years of having children at home it’s quite a change to be without them.
- [Graeme's Investment Experience #1](https://originfinance.com.au/graemes-investment-experience-1/): This week sees the completion of the construction of a granny flat I am building on my investment property in Brisbane.
- [Are you a property winner or loser?](https://originfinance.com.au/6766-2/): For the rest of the year Australia will have a two-speed property market.
- [How buyers can capitalise on a changing property market](https://originfinance.com.au/how-buyers-can-capitalise-on-a-changing-property-market/): 9 October 2014| Sue Williams| Domain http://www.domain.com.au/news/how-buyers-can-capitalise-on-a-changing-spring-property-market-20151010-gk535e/ The property market is steadily turning into an excellent one for buyers, experts say, with the number of homes up for auction yesterday setting an October record and even more homes likely to go under the hammer in the next few weekends.
- [International News from Henry](https://originfinance.com.au/international-news-from-henry/): Welcome to the international edition of From the Dog House! I have given Doug a few days off in Las Vegas while I go on one of my health retreats at the kennel.
- [Home loans getting cheaper as lenders wage war](https://originfinance.com.au/home-loans-getting-cheaper-as-lenders-wage-war/): 22 September 2015| Clancy Yeates| Sydney Morning Herald http://www.smh.com.au/business/banking-and-finance/home-loans-getting-cheaper-as-lenders-wage-war-20150921-gjrelw.html Some smaller lenders have slashed advertised interest rates on new owner-occupier mortgages by twice as much as the Reserve Bank of Australia.
- [Housing market stands its ground](https://originfinance.com.au/housing-market-stands-its-ground/): House prices just keep on going up even though the percentage of homes sold after being put up for sale is falling.
- [Want to Buy a Car, Boat or Caravan?](https://originfinance.com.au/want-to-buy-a-car-boat-or-caravan/): Did you know that Origin Finance also offers asset finance? We can access over 20 lenders offering ultra-low car finance.
- [Amazing Grace](https://originfinance.com.au/amazing-grace/): News from the Dog House Everyone, I am delighted to announce the arrival of my newest pack member - Grace Yeung.
- [Lies, Damn Lies and Statistics in Property](https://originfinance.com.au/lies-damn-lies-and-statistics-in-property/): Sydney’s clearance rates are down to 73 per cent from an April high of 90 per cent, Does this mean that the sky is falling in that prices will soon drop?
- [Time for a Haircut?](https://originfinance.com.au/time-for-a-haircut/): First of all, many thanks for all the well-wishes from all my fans.
- [The Good and Bad of Buying Off-Plan (and how your mortgage broker can help)](https://originfinance.com.au/the-good-and-bad-of-buying-off-plan-and-how-your-mortgage-broker-can-help/): We have all seen the headlines of someone making a motza after buying a property off plan.
- [Happy New Year!](https://originfinance.com.au/roshhashanah/): Welcome to our Festive Edition of News from the Dog House - Shana Tova!
- [Your Interest Rates Could Be About to Go Up!](https://originfinance.com.au/your-interest-rates-could-be-about-to-go-up/): The regulator’s drive to calm down the (investor) property market may be having a negative impact on home owners.
- [Real estate agents: telling the rippers from the duds](https://originfinance.com.au/real-estate-agents-telling-the-rippers-from-the-duds/): Sept 7, 2015| Johanna Leggatt| The New Daily http://thenewdaily.com.au/money/2015/09/07/real-estate-agents-telling-rippers-duds/ To some, they are the snake oil salesmen of the property industry, presiding over open home inspections – clipboard in hand – like haughty gods.
- [Interest rates on hold but economists tip cut for Melbourne Cup Day](https://originfinance.com.au/interest-rates-on-hold-but-economists-tip-cut-for-melbourne-cup-day/): Sept 1, 2015| Kirsten Robb| Domain http://www.domain.com.au/news/interest-rates-on-hold-but-economists-tip-cut-for-melbourne-cup-day-20150901-gjca4k/ The official interest rate remained on hold at 2 per cent on Tuesday but economists say the Reserve Bank of Australia may be forced to cut rates by November, making Melbourne Cup day a winner for mortgagees and spring buyers.
- [Sydney house price growth up but Melbourne to overtake in spring](https://originfinance.com.au/sydney-house-price-growth-up-but-melbourne-to-overtake-in-spring/): Sept 1, 2015| Jennifer Duke| Domain http://www.domain.com.au/news/sydney-house-prices-up-over-august-but-melbourne-to-overtake-in-spring-20150901-gjc6rf/ Sydney property price growth outpaced all other capital cities in August, but Melbourne is about to knock it off its perch, according to new data.
- [Big banks could be stung by risky lending: regulator](https://originfinance.com.au/big-banks-could-be-stung-by-risky-lending-regulator/): Aug 26, 2015| George Lekakis| The New Daily http://thenewdaily.com.au/money/2015/08/26/big-banks-will-stung-risky-lending-warns-regulator/ Australia’s top banking regulator has signalled that it might impose more restrictions on home lenders to combat “heightened risk” in the residential property market.
- [Contact Me on the Dog & Bone](https://originfinance.com.au/contact-me-on-the-dog-bone/): News from the Dog House ♣ First of all, thank you from all my well-wishers.
- [Good News in the Property Market?](https://originfinance.com.au/property-good-news/): For those who find themselves continually losing out on a property, good news could be at hand.
- [Why You May Not Be Able Get An Ultra-Low Loan and Why It's No Disaster](https://originfinance.com.au/why-you-may-not-get-an-ultra-low-loan/): We all like to believe we have got a good deal. And, sometimes, we see home loan rates that are really cheap and we all want a piece of the action.
- [Squillions of Dollars!](https://originfinance.com.au/squillions-of-dollars/): News from the Dog House ♣ My team of brokers at Origin Finance settled SQUILLIONS in loans this month!
- [Have you noticed your loan interest rate going up?](https://originfinance.com.au/have-you-noticed-your-loan-interest-rate-going-up/): You have probably seen in the media that most banks are increasing their interest rates on investment loans.
- [Whatever Happened to “Keeping The Bastards Honest”?](https://originfinance.com.au/whatever-happened-to-keeping-the-bastards-honest/): Some important statistics were released today which show how Australians could benefit from using brokers.
- [Who Enjoyed that Storm?](https://originfinance.com.au/who-enjoyed-that-storm/): News from the Dog House How was that storm? I have to say that Monday night was one of the most stressful that I have experienced for quite some time!
- [Five Tips to Prepare for this Year's Property Market](https://originfinance.com.au/five-tips-to-prepare-for-this-years-property-market/): It was 27º at today's Swans versus Giants match.
- [Would I Suit a Black Coat?](https://originfinance.com.au/would-i-suit-a-black-coat/): News from the Dog House Last week was as action-packed as ever. Midweek we had a presentation from non-bank lender Mortgage Mart.
- [Is Your Loan Out-of-Date?](https://originfinance.com.au/is-your-loan-out-of-date/): Everyday, prompted by pressure from the government, banks are changing their lending policies.
- [We are off to the pub!](https://originfinance.com.au/we-are-off-to-the-pub/): News from the Dog House In my capacity as Chief Morale Booster of the Origin team, I like to keep the troops happy. So, today, I sent everyone to the pub!
- [Industry heavyweights weigh up impacts of lending change](https://originfinance.com.au/industry-heavyweights-weigh-up-impacts-of-lending-change/): The recent changes to investor lending and bank capitalisation requirements have sparked intense debate among industry leaders, particularly regarding their implications for brokers, consumers and the wider economy.
- ['Abnormal' property listings rise a sign of possible investor exit](https://originfinance.com.au/abnormal-property-listings-rise-a-sign-of-possible-investor-exit/): http://www.msn.com/en-au/money/personalfinance/abnormal-property-listings-rise-a-sign-of-possible-investor-exit/ar-BBlmZMQ An unseasonal, sharp rise in property listings in July may be an early sign that real estate boom centred on Sydney and Melbourne is nearing its peak.
- [Australian dwellings valued at $6 trillion after capital city home values surge 2.8% higher in July](https://originfinance.com.au/australian-dwellings-valued-at-6-trillion-after-capital-city-home-values-surge-2-8-higher-in-july-2/): CoreLogic RP Data Hedonic Home Value Index, July 2015 results Released: Monday, August 3, 2015 Melbourne and Sydney continued to set a rapid pace for capital gains in July, pushing the CoreLogic RP Data Home Value Index 2.8% higher over the month and 11.1% higher over the past year.
- [Interest rate gap between investors and owner-occupiers to widen](https://originfinance.com.au/interest-rate-gap-between-investors-and-owner-occupiers-to-widen/): Interest rate gap between investors and owner-occupiers to widen Clancy Yeates Sydney Morning Herald 4 August 2015 http://www.smh.com.au/business/banking-and-finance/interest-rate-gap-between-investors-and-owneroccupiers-to-widen-20150803-giqfet.html Property investors should get used to paying increasingly higher interest rates compared to people paying off a loan on a house they live in, mortgage brokers and experts say.
- [Refinancing Will Be The Next Big Thing](https://originfinance.com.au/refinancing-will-be-the-next-big-thing/): Refinancing Will Be The Next Big Thing By Martin North | August 4, 2015 | Digital Finance Analytics http://www.digitalfinanceanalytics.com/blog/refinancing-will-be-the-next-big-thing/ As the banks dial back investor lending to meet the speed limit set by APRA, owner occupied loans are becoming the focus.
- [$2,000 Cash AND Your New Home!](https://originfinance.com.au/2000-cash-and-your-new-home/): Owner-occupiers are due to come to the fore in the current property market.
- [Australian dwellings valued at $6 trillion after capital city home values surge 2.8% higher in July](https://originfinance.com.au/australian-dwellings-valued-at-6-trillion-after-capital-city-home-values-surge-2-8-higher-in-july/): Melbourne and Sydney continued to set a rapid pace for capital gains in July, pushing the CoreLogic RP Data Home Value Index 2.8% higher over the month and 11.1% higher over the past year.
- [Successful Mortgage Broking Careers Seminar](https://originfinance.com.au/successful-mortgage-broking-careers-seminar/): Origin Finance held another successful careers seminar last night - this time in Melbourne. Again there was not a spare seat in the room.
- [Australian Dollar Update](https://originfinance.com.au/australian-dollar-update/): The Australian dollar is experiencing significant seller pressure today in response to a soft reading on the closely watched ‘flash’ manufacturing output index out of China.
- [Who Doesn't Like a Happy Ending?](https://originfinance.com.au/who-doesnt-like-a-happy-ending/): Latest News From the Dog House. Well that week shot past me in the blink of an eye.
- [Property Investors Can Get a Loan If They Know Where to Go](https://originfinance.com.au/property-investors-can-still-get-a-loan-if-they-know-where-to-go/): Some property investors may have been spooked by recent decisions by the Australian Prudential Regulatory Authority (APRA) which seeks to curb lending to property investors.
- [Investor doom and gloom leads to $1,500 cash incentives for home owners!](https://originfinance.com.au/investor-doom-and-gloom-leads-to-1500-cash-incentives-for-home-owners/): Despite recent changes in the property investor market, with banks restricting giving investors loans, it is not all doom and gloom for people looking to buy a home or even refinance their existing loan.
- [Want an Interest Rate Cut?  Don't Hold Your Breath](https://originfinance.com.au/want-an-interest-rate-cut-dont-hold-your-breath/): The Reserve Bank meets in a few days, already we are getting speculation on the future for interest rates.
- [7 Tips to Making a Profit from Cool Markets](https://originfinance.com.au/7-tips-to-making-a-profit-from-cool-markets/): I am in Perth. It is 3.00am and I cannot sleep. So, what do all good mortgage brokers do in such instances?
- [Snow in the Office!](https://originfinance.com.au/snow-in-the-office/): Simone had her first encounter with snow this week! It’s funny the impact the white stuff had on the office.
- [Mortgage Broking Careers Seminar Melbourne 29 July](https://originfinance.com.au/mortgage-broking-careers-seminar-melbourne-29-july/): Are you looking to own your own business with a great income?
- [Arthur Bouronikos](https://originfinance.com.au/arthur-bouronikos/): Ring me for an appointment! 0413 393 146/1300 306 767 About Arthur
- [Rayeleen Blatch](https://originfinance.com.au/rayeleen-blatch/): Ring me for an appointment! 0414 979 995 / 1300 30 67 67 About Rayeleen
- [Yes, The Screw Has Turned](https://originfinance.com.au/yes-the-screw-has-turned/): You heard it here first. In May I said that the screws were being turned to cool down lending on investor properties. You can read this by clicking here.
- [They're Leaving on Jet Planes](https://originfinance.com.au/theyre-leaving-on-jet-planes/): Crikey these school holidays really play havoc with my schedule. A couple of us and Graeme have been juggling careers and family this week.
- [Successful Mortgage Broking Careers Seminar in Brisbane](https://originfinance.com.au/successful-mortgage-broking-careers-seminar-in-brisbane/): Origin Finance held an excellent mortgage broking careers information session this evening.
- [Rates on Hold](https://originfinance.com.au/rates-on-hold/): As capital city house prices continue to heat up, The Reserve Bank of Australia has announced the result of its monthly board meeting.
- [Winter's A Good Time To Buy Property](https://originfinance.com.au/winters-a-good-time-to-buy-property/): Its winter, there are fewer properties on the market and prices are at record highs, can you still buy property? The answer is yes - if you are organised.
- [Case Study – Steve and Colleen Pocknall](https://originfinance.com.au/case-study-steve-and-colleen-pocknall/): Steve and Colleen contacted me in February 2014, wanting to buy their first home together. They had a strong saving’s history.
- [Booms, Balls and Bones](https://originfinance.com.au/booms-balls-and-bones/): I had a couple of days in the office this week – making sure that the pack was happy.
- [How RBA rate changes affect your interest rate](https://originfinance.com.au/how-rba-rate-changes-affect-your-interest-rate/): With the RBA setting the official cash rate at all-time lows, it’s a good time to work out how this impacts the interest rate on your home loan and whether you are getting a good deal or not.
- [The Money Is Still Flowing](https://originfinance.com.au/the-money-is-still-flowing/): Despite recent changes to investor lending introduced by the banks, many borrowers can still get a loan - and at great rates.
- [Happy Birthday to Me!!!!!](https://originfinance.com.au/happy-birthday-to-me/): Well another year has passed and I am already seven years wiser! You humans will never be able to keep up.
- [EOFY: how small businesses can minimise tax liability](https://originfinance.com.au/eofy-how-small-businesses-can-minimise-tax-liability/): End of financial year is a great time to take advantage of business equipment deals, particularly with the threshold for accelerated deductions for small business being raised from $1000 to $20,000.
- [Welcome to Henry's World!](https://originfinance.com.au/welcome-to-henrys-world-2/): Welcome to my first blog and the team's new website. I am very happy to have such a professional team around me.
- [Henry Daniell-Vinton](https://originfinance.com.au/henry-daniell-vinton/): Contact Henry's team on 1300 30 67 67 Click for more!
- [Time to Fix?](https://originfinance.com.au/time-to-fix/): A recent surge in the cost of funding term loans has triggered a wave of repricing in the fixed rate mortgage market in the past week.
- [Your Bank May Not Allow You To Invest Where You Want To Invest](https://originfinance.com.au/graemes-blog-here/): Due to government pressure, banks are making it tougher to buy investment properties. Now, one bank has decided to restrict lending in one particular state.
- [I love being a Mortgage Broker!](https://originfinance.com.au/i-love-being-a-mortgage-broker-2/): Helping people achieve their dreams whether it's buying their first home or adding to their retirement investment portfolio is immensely satisfying.
- [Danny Tay](https://originfinance.com.au/danny-tay-2/): Ring me for an appointment! 0434 258 268 / 1300 30 67 67 Contact Danny
- [Your Loan Approval May Not Be Worth The Paper It Is Written On](https://originfinance.com.au/your-loan-approval-may-not-be-worth-the-paper-it-is-written-on/): Over the past few days the banks, prompted by regulators, have made it more difficult to get an investment loan.
- [We May Have Had a Rate Cut, But the Screws Are Being Turned](https://originfinance.com.au/we-may-have-had-a-rate-cut-but-the-screws-are-being-turned/): Whenever the Reserve Bank reduces interest rates, it is always a case of good news/bad news. Sure it is good news that mortgage repayments become lower.
- [Looking for your first home in this crazy Sydney market?](https://originfinance.com.au/looking-for-your-first-home-in-this-crazy-sydney-market/): Did you know we can organised pre-approved finance BEFORE you find your new home.
- [We May Have Had a Rate Cut, But the Screws Are Being Turned](https://originfinance.com.au/may-rate-cut-screws-turned/): Guest post by Graeme Salt, 14 May 2015 Whenever the Reserve Bank reduces interest rates, it is always a case of good news/bad news.
- [Gary Ablett, Batman, The Economist and The Property Market](https://originfinance.com.au/quia-ad-et-necessitatibus-in-voluptas-atque/): Australian property is 25 per cent over valued, The Economist recently concluded.
- [Six Tips to Mortgage Approval](https://originfinance.com.au/ad-suscipit-nulla-quia-provident-sed/): While interest rates are low, the property market in parts of the country is red-hot, which means that would-be home buyers need to maximise their borrowing capacity if they want to buy their dream home.
- [Would You Like $1,000 and a Better Home Loan?](https://originfinance.com.au/sample-post-for-broker-1/): There is intense competition between the banks at the moment – and they are competing for your business.
- [Is spring the right time to buy?](https://originfinance.com.au/is-spring-the-right-time-to-buy-2/): Spring is widely known as the busiest time in the home buying calendar as the nicer weather draws more buyers out to property inspections, and drives more vendors to list their properties.
- [Limited Chance of Negative Equity](https://originfinance.com.au/limited-chance-of-negative-equity/): For most people who buy a home, a mortgage represents the single largest debt they will take on in their lives.
- [What to expect this Spring selling season](https://originfinance.com.au/what-to-expect-this-spring-selling-season/): There are divided opinions about this year's property market
- [A crash won’t happen and it won't make new housing cheap](https://originfinance.com.au/a-crash-wont-happen-and-it-wont-make-new-housing-cheap/): House prices have fallen for five straight months and right now the mood is starkly divided.
- [Budget: Only half of investors face tax hike](https://originfinance.com.au/budget-only-half-of-investors-face-tax-hike/): Taxes rise for only about half of property investments under the latest budget – and in many cases they fall.
- [It's hard for the kids](https://originfinance.com.au/its-hard-for-the-kids/): Young Australians are resorting to complex methods to buy their own homes.
- [Is your offset really saving you money?](https://originfinance.com.au/is-your-offset-really-saving-you-money/): Offset Accounts
- [Your next mortgage may not be with a bank.](https://originfinance.com.au/your-next-mortgage-may-not-be-with-a-bank/): You want to buy a house; your first call is often to your bank.
- [Current First Home Benefits in Australia: 2026 Guide](https://originfinance.com.au/current-first-home-benefits-in-australia-2026-guide/): Buying your first home in Australia in 2026 has never been more achievable.
- [Property in 2026](https://originfinance.com.au/property-in-2026/): Home prices will finish 2026 largely flat across the combined capitals, as higher interest rates and strained affordability see soft to falling prices through the back half of 2026, before a turning point and return to growth late in the year and into 2027.
- [Can’t save a 20pc deposit? Four ways to buy property sooner](https://originfinance.com.au/cant-save-a-20pc-deposit-four-ways-to-buy-property-sooner/): Amassing a down payment remains a huge hurdle for aspiring buyers, despite easing house prices.
- [8 out of 10 Australians Can't Be Wrong](https://originfinance.com.au/8-out-of-10-australians-cant-be-wrong/): More than eight out 10 Australians now use mortgage brokers to arrange their home loans new figures have revealed. But why would you use a mortgage broker?
- [How Much Does a Sydney Renovation Cost?](https://originfinance.com.au/how-much-does-a-sydney-renovation-cost/): The Federal Budget has shifted the focus of the property market.
- [Rents vs wages - how do they compare by city?](https://originfinance.com.au/rents-vs-wages-how-do-they-compare-by-city/): In all of Australia’s capital cities, rents have outgrown wages.
- [New loans for tech workers](https://originfinance.com.au/new-loans-for-tech-workers/): Work is changing – and so are the people who can get special deals from the banks.
- [When it comes to property, we need a Bex and a lie down.](https://originfinance.com.au/when-it-comes-to-property-we-need-a-bex-and-a-lie-down/): This week saw a number of separate pieces of research which showed the future for the housing market.
- [Record-low auction clearance rates are good news.](https://originfinance.com.au/record-low-auction-clearance-rates-are-good-news/): Well they are good news for buyers at least – but that’s the whole point of this budget.
- [Do trees make cities more liveable?](https://originfinance.com.au/do-trees-make-cities-more-liveable/): Cities around the world are planting more trees to cope with rising urban heat.
- [The easiest way to save your home deposit](https://originfinance.com.au/the-easiest-way-to-save-your-home-deposit/): Saving for a first home is already hard enough.
- [Mortgage for gig workers, casuals](https://originfinance.com.au/mortgage-for-gig-workers-casuals/): Gig economy and casual employees can still get a mortgage – if they know where to go.
- [Interest Rates and Property Prices in Australia: What Drives Long-Term Growth?](https://originfinance.com.au/interest-rates-and-property-prices-in-australia-what-drives-long-term-growth/): Today when people discuss property prices Australia, the debate often jumps straight to tax settings such as negative gearing or the CGT discount.
- [A Dickens of a property market](https://originfinance.com.au/a-dickens-of-a-property-market/): The budget is already having a huge impact on the property market, with investors now focussing on new-builds thus giving owner occupiers less competition.
- [Are you a winner in this budget?](https://originfinance.com.au/are-you-a-winner-in-this-budget/): This budget really created winners and loser.
- [Super Budget Wins](https://originfinance.com.au/super-budget-wins/): Self-managed super funds (SMSF) may become the surprise winner in the budget, with investors emerging with relatively superior tax treatment.
- [Is now a good time to buy?](https://originfinance.com.au/has-your-borrowing-capacity-been-reduced-by-the-budget/): This week I spoke to a client whose borrowing capacity has been reduced from $480k to $300k.
- [$250,000 less – that could be this budget’s impact on your borrowing capacity.](https://originfinance.com.au/250-000-less-that-could-be-this-budgets-impact-on-your-borrowing-capacity/): This week’s budget made a number of key announcements, one of which was to remove negative gearing benefits for newly purchased properties except for brand new properties.
- [Beyond the headlines, there’s still growth.  But where?](https://originfinance.com.au/beyond-the-headlines-theres-still-growth-but-where/): Forecast rate rises and the Iran War has added pessimism to the property market. But is it well-founded?
- [Middle East Conflict and Australian Property Prices: What Buyers, Investors and Homeowners Need to Know](https://originfinance.com.au/middle-east-conflict-and-australian-property-prices/): Global conflict rarely stays contained within its borders.
- [You have agreed to buy your new home - now what happens?](https://originfinance.com.au/you-have-agreed-to-buy-your-new-home-now-what-happens/): Settling on a property can be one of the most stressful exercises you will have to go through.
- [There are markets within markets.](https://originfinance.com.au/there-are-markets-within-markets/): If someone tells you the Australian property market is dead, they could be both right and wrong at the same time.
- [Are we heading for a property bloodbath?](https://originfinance.com.au/are-we-heading-for-a-property-bloodbath/): This weekend auction clearance rate fell to 60.9 per cent, according to research house Cotality.
- [Changes Help Buyers](https://originfinance.com.au/changes-help-buyers/): New legal changes in our largest states aim to make things easier for would-be home buyers.
- [Mortgage Brokers Still Have a Place with AI](https://originfinance.com.au/mortgage-brokers-is-your-job-safe-from-ai/): In future, will people arrange their loans via AI – making brokers redundant?
- [Can anybody see property stop growing?](https://originfinance.com.au/can-anybody-see-property-stop-growing-2/): The total value of residential dwellings in Australia is now $12,307.2 billion according to the Australian Bureau of Statistics (ABS).
- [33,000 deaths this year will impact the property market.](https://originfinance.com.au/33000-deaths-this-year-will-impact-the-property-market/): My Mum’s death will help reshape where and what we purchase, who buys and how much they pay.
- [Can anybody see property stop growing?](https://originfinance.com.au/can-anybody-see-property-stop-growing/): The total value of residential dwellings in Australia is now $12,307.2 billion according to the Australian Bureau of Statistics (ABS).
- [Trees' Impact on Property Value (Good and Bad)](https://originfinance.com.au/trees-impact-on-property-value-good-and-bad/): $100, 000 – that is the difference in house prices between a well-positioned and poorly-positioned tree.
- [First-time Buyers.  Is rentvesting for you?](https://originfinance.com.au/first-time-buyer/): Graeme chooses to rentvest
- [First Home Benefits 2026](https://originfinance.com.au/first-home-benefits-australia/): First Home Buyer Benefits 2026
- [Why first timers may be wise buying a place – even as prices rise](https://originfinance.com.au/why-first-timers-may-be-wise-buying-a-place-even-as-prices-rise/): Would-be first-time buyers are caught between a rock and hard place – either they buy at exalted prices, or they remain as tenants and pay exorbitant rents.
- [What does it Take to Become a Successful Mortgage Broker](https://originfinance.com.au/become-a-successful-mortgage-broker/): become a successful mortgage broker with Origin Finance
- [We all hear about paying fortnightly, but few people understand how it actually works.](https://originfinance.com.au/we-all-hear-about-paying-fortnightly-but-few-people-understand-how-it-actually-works/): Here's a simple mortgage strategy that could save you years and tens of thousands of dollars.
- [Can Older Australians Get a Mortgage?](https://originfinance.com.au/can-older-australians-get-a-mortgage/): Many banks are realistic about lending to older Australians.
- [Fixed vs. Variable: A Strategic Decision for Your Financial Future](https://originfinance.com.au/fixed-vs-variable-a-strategic-decision-for-your-financial-future/): Fixed vs. Variable: A Strategic Decision for Your Financial Future
- [How Offset Accounts Can Save You Thousands on Your Home Loan](https://originfinance.com.au/how-offset-accounts-can-save-you-thousands-on-your-home-loan/): If you're paying off a mortgage, you need to understand offset accounts.
- [Origin Finance qualified again for LMG's Top 100 Business Owners Summit](https://originfinance.com.au/9879-2/): We're thrilled to announce that Origin Finance has qualified again for LMG's Top 100 Business Owners Summit!
- [If rates go up next week, what will it do to property?](https://originfinance.com.au/if-rates-go-up-next-week-what-will-it-do-to-property/): Inflation figures released today, indicate that we are up for an interest rate rise.
- [Getting Mortgage-Ready: 5 Steps to Strengthen Your Financial Position](https://originfinance.com.au/getting-mortgage-ready-5-steps-to-strengthen-your-financial-position/): Are you ready to take the first step towards homeownership? Strengthening your financial position is crucial for a successful mortgage application. Discover the five essential steps to improve your chances of approval, from checking your credit score to organizing your financial documents. Learn how to reduce debt, build savings, and stabilize your income to become a more attractive borrower. At Origin Finance, we’re dedicated to guiding you through the mortgage process with tailored solutions. Don’t miss out on your dream home—read on to find out how to get mortgage-ready today!
- [Big Australia’s impact on the property market](https://originfinance.com.au/big-australias-impact-on-the-property-market/): There’s set to be 40 million Australians by the 2050s. Where will we house them?
- [Connor Jackson](https://originfinance.com.au/connor-jackson/): Connor Jackson is a client driven commercial finance broker with a solid background in business banking and asset finance
- [Looking to buy a property but waiting for prices to drop?](https://originfinance.com.au/looking-to-buy-a-property-but-waiting-for-prices-to-drop/): Want to buy but nervous of a collapse in property prices?
- [Too late for first-time buyers?](https://originfinance.com.au/too-late-for-first-time-buyers/): In news that surprises nobody, prices on properties suitable to the government’s First Home Guarantee Scheme have risen sharper than the rest of the property market.
- [Where do you want to live?](https://originfinance.com.au/where-do-you-want-to-live/): I thought about buying an apartment yesterday, but got cold feet as it made me wonder what do we want from a home?
- [Unsure where to go?](https://originfinance.com.au/unsure-where-to-go/): The property market enters 2026 in a state of confusion, with many would-be buyers unsure where prices are heading.
- [Next Year's Growth Spots](https://originfinance.com.au/next-years-growth-spots/): Perth and Brisbane will be where it’s at in 2026. Two research houses (SQM and PropTrack) have concluded that these two cities will see most price growth.
- [A $42 billion value gap driven by flood risk](https://originfinance.com.au/a-42-billion-value-gap-driven-by-flood-risk/): According to new research by PropTrack at least 70 per cent of homes in flood zones have experienced a reduction in property value as a result of flood risk.
- [No cuts for 'foreseeable future'](https://originfinance.com.au/no-cuts-for-foreseeable-future/): Today, the Reserve Bank Governor said, “it does look like additional cuts are not needed”.
- [Will your home’s environmental performance impact its value?](https://originfinance.com.au/will-your-homes-environmental-performance-impact-its-value/): Recent analysis by Cotality shows that investing in a home’s sustainability makes financial sense.
- [Graeme's 2026 Predictions](https://originfinance.com.au/graemes-2026-predictions/): This year, property prices have grown by around 8.5 per cent. Growth is still predicted in 2026 – though at the more moderate rate of five to seven per cent.
- [How AI can help you buy a place](https://originfinance.com.au/how-ai-can-help-you-buy-a-place/): Artificial Intelligence (AI) is supposed to revolutionise many things – but will it help you buy a place?
- [Do you need bridging finance?](https://originfinance.com.au/do-you-need-bridging-finance/): Bridging finance is almost a dirty word in Australia.
- [What if this is as good as it gets?](https://originfinance.com.au/what-if-this-is-as-good-as-it-gets/): What if there are no more mortgage interest rates to come?
- [Home values rise in October - the fastest in two years](https://originfinance.com.au/home-values-rise-in-october-the-fastest-in-two-years/): Housing prices rose 1.1 per cent nationally in October, led by strong gains in Perth, Brisbane, and Adelaide, though prices rose everywhere as the first homebuyer deposit guarantee scheme kicked into gear.
- [How to make a squeaky-clean mortgage application](https://originfinance.com.au/how-to-make-a-squeaky-clean-mortgage-application/): There’s heaps you can do to strengthen your mortgage application, long before you actually apply for a loan.
- [Why You Can Still Get a Rate Cut—Even if the Reserve Bank Holds Steady](https://originfinance.com.au/get-a-rate-cut-even-if-the-reserve-bank-doesnt/): Are you assuming your mortgage rate is set in stone just because the Reserve Bank of Australia is holding rates steady? Think again! In today’s competitive lending landscape, banks are vying for your business with enticing offers and discounts. You could save thousands simply by shopping around or negotiating with your current lender. For instance, a homeowner with a $500,000 mortgage could save over $1,800 annually by switching from a 6.20% to a 5.69% (Comparison rate). Don’t miss out on potential savings—discover how a quick call to your mortgage broker could unlock a better deal for you!
- [Why the new first-home buyer scheme is worth a crack (even though I am not a fan)](https://originfinance.com.au/why-the-new-first-home-buyer-scheme-is-worth-a-crack-even-though-i-am-not-a-fan/): Consistent with its election pledge, this week, the federal government has expanded its first-home buyer scheme.
- [Investors back in market](https://originfinance.com.au/investors-back-in-market/): Investors are showing increased confidence in the property market and are increasingly looking to buy property.
- [Prepare for take-off](https://originfinance.com.au/prepare-for-take-off/): Prices for first home-buyer properties are about to take off due to recent announcements from the federal government.
- [Home Guarantee Scheme Changes For First Home Buyers](https://originfinance.com.au/first-home-guarantee-scheme-2025/): Starting from 1 October 2025, the Australian Government will expand the Home Guarantee Scheme with significant changes to help more Australians buy their first home sooner.
- [Is Covid still driving the property market?](https://originfinance.com.au/is-covid-still-driving-the-property-market/): Australians have coped with 4.25 per cent rate rises between 2022 and 2024 – which may indicate resilience of the household budget, the economy and the property market.
- [Rate cuts may not have immediate impact on the market](https://originfinance.com.au/rate-cuts-may-not-have-immediate-impact-on-the-market/): While this month’s rate cut has arguably stirred the property market, it may not create a property market frenzy of old.
- [What is the price of your kid’s education?](https://originfinance.com.au/what-price-your-kids-education/): New analysis from Cotality reveals that families are paying up to $1.3 million more for houses inside sought-after public school catchments in Sydney and Melbourne – but that does not always equate to stronger capital growth.
- [Not all banks will lend to you](https://originfinance.com.au/not-all-banks-will-lend-to-you/): You’d be surprised at how Australians can come to banks with very different situations and how not all banks will look at every scenario.
- [How to get ahead with the mortgage](https://originfinance.com.au/rates-are-coming-down-for-many-its-a-chance-to-eat-into-the-mortgage/): The next move for rates is down and home-owners could shave over two years off a 25-year-mortgage if they keep their repayments the same as before the February and May interest rate cuts.
- [With rate cuts, it’s a question of when, not if](https://originfinance.com.au/when-can-we-expect-a-rate-cut/): This month the Reserve Bank of Australia (RBA) surprisingly kept interest rates on hold, when economists were predicting a rate cut.
- [How to Prepare Your Home for the Spring Selling Season in Australia](https://originfinance.com.au/spring-selling-season/): First impressions matter, and the exterior of your home is the first thing buyers will see.
- [Aaron Hickey](https://originfinance.com.au/aaron-hickey/)
- [Jim Simos](https://originfinance.com.au/jim-simos/): With over 25 years experience in the finance industry, there isn’t a scenario that I have not seen.
- [Lambrina Karagaslis](https://originfinance.com.au/lambrina-karagaslis/): Lambrina brings a wealth of experience in the Commercial Property Space having spent years working for a major Real Estate Agent.
- [Jordan Soo](https://originfinance.com.au/jordan-soo/): My mission is simple: to assist as many people as I can in reaching their property goals, whether it's financial freedom or building a business.
- [Arthur Bouronikos](https://originfinance.com.au/arthur-bouronikos-2/): An experience broker who goes the extra mile to find the best possible solution for all my clients.
- [Dawn Kilkelly](https://originfinance.com.au/dawn-kilkelly/): Dawn Kilkelly plays a key role in client management and broker support across the Futurus Group, including Origin Finance and Chan & Naylor Finance.
- [Les Watkins](https://originfinance.com.au/les-watkins/): Les Watkins is a highly experienced Mortgage Broker with over 25 years in the industry operating under his own Australian Credit License including a Diploma of Finance & Mortgage Broking Management, Certificate IV in Business & Financial Services, known for simplifying loan options for clients.
- [George Botsioulis](https://originfinance.com.au/george-botsioulis/): I’m here to make the home loan process as smooth and stress-free as possible.
- [Aleksandar Hrkalovic](https://originfinance.com.au/aleksandar-hrkalovic/): As your trusted mortgage broker, I’m committed to finding the right loan to suit your needs.
- [Heath Thompson](https://originfinance.com.au/heath-thompson-2/): Heath has been a broker with Origin Finance since 2011 after a decorated career as a NSW Police Officer.
- [Graeme Salt](https://originfinance.com.au/graeme-salt/): Graeme Salt is a mortgage consultant, living in inner Sydney.
- [Breakthrough in property prices](https://originfinance.com.au/breakthrough-in-property-prices/): For the first time ever the average dwelling price nationally eclipsed $1 million and these prices are likely to go much higher.
- [Doug Daniell](https://originfinance.com.au/doug-daniell/): Purchasing your first home, upgrading, or adding to your investment portfolio shouldn't be complicated.
- [CITI: Where Australia's apartment boom could unwind](https://originfinance.com.au/citi-where-australias-apartment-boom-could-unwind/)
- [First Home Guarantee (FHBG) Benefits and Procedures - Supporting Eligible Home Buyers to Buy a Home Sooner](https://originfinance.com.au/first-home-loan-deposit-scheme-offered-through-25-new-lenders/): The First Home Guarantee (FHBG) is an Australian government initiative designed to support eligible first home buyers in purchasing a home sooner.
- [Ten real estate words only rich people will know](https://originfinance.com.au/ten-real-estate-words-only-rich-people-will-know/): Sept 3, 2015| Emily Power| Domain http://www.domain.com.au/news/ten-real-estate-words-only-rich-people-will-know-20150902-gj7jeg/ For the everyday property hunter, browsing through the luxury listings requires an Italian or French interpreter – or at least, a dictionary.
- [The Herberts Become Property Moguls](https://originfinance.com.au/the-herberts-become-property-moguls/): Graeme went to a ‘Wealth Retreat’ recently, courtesy of our joint venture with Chan & Naylor.
- [Generation Rent: Aussies who fear they’ll rent forever](https://originfinance.com.au/generation-rent-aussies-who-fear-theyll-rent-forever/): A growing number of Australians are becoming part of ‘Generation Rent’.
- [Why you should try selling a home in a festively-named street at Christmas](https://originfinance.com.au/why-you-should-try-selling-a-home-in-a-festively-named-street-at-christmas/): People selling a house in a uniquely-named street name could add thousands of dollars to the sale price, new research shows.
- [Mortgage Companies](https://originfinance.com.au/mortgage-companies/): Excellent reputations aren’t built over night, and here at Origin Finance we pride ourselves on being one of the best mortgage companies in Australia for nearly a decade.
- [Home Loan Application Process](https://originfinance.com.au/home-loan-application-process/): During the interview(s), we will discuss and help you to select the most appropriate products and home loan lenders that best suits your needs.
- [Home Improvement Loans](https://originfinance.com.au/home-improvement-loans/): Home improvements have once again increased in popularity as people figure out that improving their existing home is a far more economical option to selling the old one and buying another one.
- [Compare home loans and Mortgages](https://originfinance.com.au/compare-home-loans-and-mortgages/): Do you know how to compare home loans and mortgages online to find the best interest rates in Australia?
- [Secure the Lowest Home Loan Interest Rate](https://originfinance.com.au/secure-the-lowest-home-loan-interest-rate/): If you want to get the lowest home loan rates in Australia, you’ll need to be a comparison shopper extraordinaire!
- [Reasons for a Home Loan Refinance](https://originfinance.com.au/reasons-for-a-home-loan-refinance/): Your current home loan might have been a great deal when you first got it, but banks are competitive, rates change and lending products evolve.

## Pages

- [Services](https://originfinance.com.au/services/): A mortgage or home loan quote can save you hours of your time and can potentially even save you thousands of dollars.
- [Home Loans](https://originfinance.com.au/services/home-loans/): Being a first time buyer, the staggering number of home loans available can be overwhelming. At Origin Finance, we put you first.
- [Investing in Property](https://originfinance.com.au/services/investing-in-property/): Home loans for investment properties are vitally important financial tools that have the power to either help or hinder your investment growth.
- [Commercial Finance](https://originfinance.com.au/services/commercial-finance/): Commercial Finance and mortgages offer business owners and investors a range of options that extend far beyond what a traditional residential mortgage can offer.
- [About](https://originfinance.com.au/about/): Every day, Origin Finance helps Australians secure the right finance for their home or investment property.
- [Careers](https://originfinance.com.au/about/careers/): Do you know what it takes to be successful in this industry? We do! And we can assist you to achieve your Mortgage Broking goals.
- [Calculators](https://originfinance.com.au/calculators/): Mortgage calculators can remove much of the guess-work of applying for a mortgage.
- [Mortgage Brokers](https://originfinance.com.au/mortgage-brokers/): Once you’re ready to move forward, your dedicated mortgage broker will guide you through the entire process — from application to approval to settlement.
- [Resources](https://originfinance.com.au/resources/): Explore our latest articles, guides, and calculators — everything you need to make informed decisions and take control of your home loan journey.
- [Apply](https://originfinance.com.au/apply/): Ready to take the next step?
- [Contact](https://originfinance.com.au/contact/): At Origin Finance we make finding the right loan as simple as possible.
- [Thank You](https://originfinance.com.au/thank-you/): If you would like to provide a little extra detail please Apply Now so that one of our Professional Mortgage Consultants can contact you with a mortgage quote for your particular situation or you can call us on 1300 30 67 67.
- [Feedback and Complaints](https://originfinance.com.au/complaints/): At Origin Finance we aim to provide the very best service for our customers, therefore in the event that you are unhappy regarding any part of our service, we have an Internal Dispute Resolution process in place to assist in satisfying any complaint.
- [Privacy](https://originfinance.com.au/privacy/): We respect your personal information, and this Privacy Policy explains how we handle it. The policy covers Origin Finance Pty Ltd.
- [Home](https://originfinance.com.au/): At Origin Finance, we believe the right loan can open doors — to your first home, your next investment, or simply more peace of mind.

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