Insights & Resources
Articles, tips and guides on home loans, refinancing, first home buying and the Newcastle property market, from David at Rebus Finance.
Newcastle and Lake Macquarie Get a $1.5 Million Cap Most of Regional NSW Doesn’t
The Australian Government 5% Deposit Scheme sets a property price cap by location. Most of regional New South Wales gets $800,000. Newcastle and Lake Macquarie get $1,500,000 — and
The $800,000 Line: Why a Falling Market Just Became a First Home Buyer’s Best Friend
New South Wales gives first home buyers a full stamp duty exemption up to $800,000. Local values have fallen four months straight, which means properties are crossing back under th
Falling Values Are Quietly Fixing Rental Yields Around Lake Macquarie
For years the investor problem around the lake was simple: prices rose faster than rents, so yields kept shrinking. Four months of falling values has begun to reverse that, and mos
What Refinancing Actually Saves Hunter Borrowers (With Real Numbers)
Lenders quote their sharpest rates to new customers and leave existing borrowers on higher ones. After three rate rises this year that gap has widened. Here is what closing it is a
Four Months of Falling Values, Two More Rate Rises: What It Means Suburb by Suburb
Home values across Newcastle and Lake Macquarie have fallen for four consecutive months while the market prices in more rate rises. In ten local suburbs, the fall has already more
The RBA Has Warned of More Rate Rises. Here Is What It Actually Means for Your Mortgage
A month ago every major bank expected rates to stay on hold. After the RBA's deputy governor said inflation is “too high”, all four now expect a rise. Here is what it would cost yo
What Actually Increases Your Borrowing Power (It Is Not Skipping Dinner)
Every few months someone in the property industry tells first home buyers to stop going out for dinner. Here is why that advice is aimed at the smallest lever you have — and what a
What Inflation Actually Means for Newcastle Buyers, Owners and Investors
Australian wages rose 3.2 per cent last year while prices rose 3.5 per cent. Here is what that gap actually does to a deposit, a mortgage and an investment property in Newcastle an
Weekly, Fortnightly or Monthly Repayments: Which Actually Pays Your Mortgage Off Faster?
Paying fortnightly is widely said to shave years off a mortgage. It can — but only if you pay half your monthly repayment, not the fortnightly figure most calculators show you. Her
RBA Holds at 4.35%: What the September 2026 Decision Means for Newcastle Borrowers
The Reserve Bank left the cash rate at 4.35 per cent in August and meets again on 28-29 September. Here is what the data says, what the major bank economists are forecasting, and w
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