Osinski Finance

Updates/news

By Dave Barbeler • October 14, 2026
What does Australia have in common with the United Kingdom and the Netherlands? In all three countries brokers facilitate more than 80% of new mortgages. We explain why.
By Dave Barbeler • October 7, 2026
A fourth rate rise for 2026 has just made checking your home loan rate a priority. But what does a ‘good’ rate look like right now? We reveal what’s currently a competitive rate, and how you may be able to land one.
By Dave Barbeler • October 7, 2026
Here we go again … The Reserve Bank of Australia (RBA) has raised the cash rate for a fourth time this year to 4.60%. Check out this week’s article to find out why they felt the need to pass on more borrowing pain to mortgage holders.
By Dave Barbeler • September 29, 2026
The federal budget introduced major tax reforms for property investors, but it may still be possible to enjoy the potential tax benefits of negative gearing. Here’s how it could be done.
By Dave Barbeler • September 23, 2026
In today’s easing market, it may be tempting to wait for property prices to fall further. But it’s a strategy that could see first home buyers left disappointed. We explain why.
By Dave Barbeler • September 17, 2026
Australia’s peak property season is underway, and spring 2026 is shaping up as a buyers’ market. Here’s what the experts say we can expect in the weeks ahead.
By Dave Barbeler • September 9, 2026
Several of the big banks have pivoted on their rate outlook, and are now predicting rate hikes (rather than no change or a fall) this side of Christmas. It could be a cue for homeowners to plan rather than panic.
By Dave Barbeler • September 2, 2026
Property transactions involve big bucks – and that makes them a big target for scammers. With large sums of money at stake, we reveal what to look out for, and how to protect yourself from property settlement scams.
By Dave Barbeler • August 26, 2026
While rising prices were the talk of the town not so long ago, the tide has started to turn, with property values beginning to soften – but it’s not all bad news for home owners.
By Dave Barbeler • August 19, 2026
Great news! Homeowners can breathe a sigh of relief, with the Reserve Bank of Australia (RBA) keeping the cash rate on hold in August. But just because the cash rate is sitting tight, doesn’t mean you have to.
By Dave Barbeler • August 12, 2026
So it turns out some mortgage offset accounts haven’t been working as intended, according to a recent investigation. Here’s how to check if your home loan offset account has actually been helping you save.
By Dave Barbeler • August 5, 2026
Waiting for home prices to ‘bottom out’ before buying may seem like a smart strategy but it could work against you. Here are the risks of holding out and hoping for lower prices.
By Dave Barbeler • July 29, 2026
Things are looking up for homebuyers. New listings are on the rise, and that can mean more choice and less FOMO pressure for buyers. Here’s how the shift in today’s market could benefit your homebuying plans.
By Dave Barbeler • July 22, 2026
The Reserve Bank may have kept rates on hold in June, but a growing number of lenders have cut their home loan interest rates. This could be your sign to review your current loan.
By Dave Barbeler • July 15, 2026
With more first home buyers relying on family support to get into the market, we explain why it may be beneficial to put the details in writing if Mum and Dad offer a financial helping hand.
By Dave Barbeler • July 8, 2026
As the calendar flips over to July, now’s a good time to give your home loan a once-over. We look at five strategies that could help you save on interest and pay off your mortgage sooner.
By Dave Barbeler • July 1, 2026
It’s just over a month since the Federal Government unveiled its tax reforms on budget night. Here’s how property values are responding across the major cities.
By Dave Barbeler • June 24, 2026
The mortgage broking industry has notched up an exciting record with the news that brokers now account for 81% of Australia’s residential lending market. Here’s why.
By Dave Barbeler • June 16, 2026
Worried you’ll still be paying off your mortgage in retirement? New research shows you’re not alone. Here are five tips to help clear the slate before you hang up your work boots.
By Dave Barbeler • June 10, 2026
House price growth is slowing but experts say not to expect a crash. We look at what’s changed, and why today’s market may offer good opportunities for homebuyers.
By Dave Barbeler • June 3, 2026
A few tweaks to a popular first home buyer scheme has driven a “surge” in Gen Zs buying their first home. And it’s not the only upside giving first home buyers a boost now.
By Dave Barbeler • May 27, 2026
It was great while it lasted, but the rate cut party is well and truly over. Today we look at how you could potentially reduce your home loan interest rate without relying on the Reserve Bank.
By Dave Barbeler • May 20, 2026
Reforms to negative gearing and capital gains tax have been unveiled in the latest national budget. Here’s what they could mean for investors, first home buyers and home owners.
By Dave Barbeler • May 13, 2026
The hits just keep coming for mortgage holders, with the Reserve Bank of Australia (RBA) today raising the cash rate for a third time this year to 4.35%. If you’re starting to struggle with your mortgage repayments, here’s how you can potentially take action.
Construction worker bending on a wooden roof frame against a blue sky
By Dave Barbeler • May 5, 2026
There’s no better feeling than living in a brand new home – it’s fresh, clean and it’s all yours. But financing a new-build works very differently from buying an established home. Here’s what you need to know.
By Dave Barbeler • April 29, 2026
Having loan pre-approval can be a smart move for home buyers. But the recent Reserve Bank cash rate hikes could leave your pre-approval in need of an update.
By Dave Barbeler • April 22, 2026
Rate hikes and soaring fuel prices aren’t dampening home buyer enthusiasm, with a strong majority of Aussies still believing the time to buy is now. We look at why home-buying sentiment remains so high.
By Dave Barbeler • April 15, 2026
Is the grass really greener on the other side? Maybe. Australia has seen a surge of investor activity in recent years, with investment loans reaching record highs. But as home prices rise, plenty of investors are looking beyond their own backyard and making interstate purchases.
By Dave Barbeler • April 8, 2026
Buying a first home doesn’t have to mean years of eating beans on toast while you scrape together a 20% deposit. Here’s how you could break into the property market with just a 5% deposit.
By Dave Barbeler • April 1, 2026
If you’re in the market for a home, you may have noticed there hasn’t always been a whole lot of choice in recent months. Fortunately, it looks like property listings are really starting to pick back up. Here’s how to make the most of the increase in choice.
By Dave Barbeler • March 25, 2026
More bad news for mortgage holders around the country: the Reserve Bank of Australia (RBA) today raised the cash rate for the second time this year to 4.10% in a 5-4 split decision vote. How might this impact your monthly mortgage repayments?
By Dave Barbeler • March 18, 2026
Who wouldn’t want to save on home loan interest and pay off their mortgage faster? Homeowners are increasingly turning to offset accounts to do just that. So today we’ll look into whether an offset account could benefit you.
By Dave Barbeler • March 11, 2026
As home prices climb higher, first home buyers can feel like the goal posts are continually shifting further out of reach. But there is a way to potentially cut years off the time taken to buy a home.
By Dave Barbeler • March 4, 2026
Sure, saving a deposit is important, but your income can hold the real key to getting into the market. That’s because it shapes your borrowing power.
By Dave Barbeler • February 25, 2026
Growing numbers of younger Australians are opting for regional living, and part of the lure of a ‘seachange’ or ‘treechange’ can be the chance to get more bang for your buck.
By Dave Barbeler • February 18, 2026
Myth busted! Baby Boomers no longer own the bulk of housing wealth in Australia. We reveal who does, and how you could get started in the property market.
By Dave Barbeler • February 11, 2026
Bad news for mortgage holders around the country: the Reserve Bank of Australia (RBA) today raised the cash rate by 25 basis points to 3.85%. Today we’ll look at why it did so, and how this rate hike could impact your monthly mortgage repayments.
By Dave Barbeler • February 4, 2026
After a lengthy run of rising prices in 2025, some pundits are tipping property prices could keep climbing in 2026. Today we’ll take a sneak peek inside the experts’ crystal ball – and what it could mean for your home buying plans.
By Dave Barbeler • January 28, 2026
A renovation boom may loom, with plenty of home owners choosing to renovate rather than relocate this year. So if you have plans for home improvements, it’s worth knowing how to fund your project.
By Dave Barbeler • January 21, 2026
Owning an investment property isn’t limited to the uber-rich. In fact, investors are usually people you interact with daily. Today, we’ll reveal which occupations are the nation’s most prolific property investors, and how you could potentially join them.
By Dave Barbeler • January 14, 2026
What a way to start the new year! After a strong 12 months in the property market, plenty of homeowners around the nation are now a whole lot wealthier. And their newfound increase in home equity has opened up some exciting possibilities for 2026.
By Dave Barbeler • January 7, 2026
There’s nothing quite like a New Year’s resolution to fire you up for another lap around the sun. Whether you’re looking to buy your first home, save on your mortgage, or leverage the equity in your current position, here are three resolutions to consider for 2026.
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