Go Loans Blog

Keep informed on the issues that could impact you now and into the future.

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Financial Confidence Improves for Mortgage Holders in Latest Consumer Survey
Australian mortgage holders are entering 2026 feeling more confident about their financial position, according to the latest Consumer Pulse survey by Agile Market Intelligence. While financial anxiety is growing among debt-free Australians and those with consumer debt, home loan borrowers are showing improving sentiment and stronger cash flow.
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Help to Buy Launches 5 December: What Aussie Home Buyers Need to Know
The Albanese Government’s long-awaited Help to Buy scheme officially launches on 5 December, giving thousands of Australians a new pathway into home ownership. Designed for low- and middle-income earners, the scheme helps buyers enter the market sooner by reducing the size of the loan they need and the deposit required.
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Bank Rate Moves vs RBA Policy: Why Rates Can Rise Even When the RBA Doesn’t Hike
If you’ve noticed your mortgage rate going up even though the Reserve Bank of Australia (RBA) hasn’t changed the cash rate, you’re not alone. Many borrowers are surprised when banks adjust their rates independently of RBA policy. Understanding why this happens can help you make smarter borrowing decisions.
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Are Interest Rates Stuck? What the RBA’s Latest Decision Means for Homeowners
If you’ve been waiting for interest rates to finally start dropping, the latest update from the Reserve Bank of Australia (RBA) might feel a bit like déjà vu. Despite growing hopes that relief was on the horizon, the RBA has once again held the cash rate steady and hinted that rate cuts may still be some way off.
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4 Things Homeowners Should Know Before Refinancing in Australia
Navigating a home loan isn’t just about locking in the lowest rate — it’s about making the right move at the right time. As we move through a phase of uncertainty in the market, it’s a good moment for Australians to check whether their home loan still fits their goals.
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Are Fixed Rates Making a Comeback? Should Borrowers Consider Fixing Now That RBA Cuts Have Stalled?
For much of 2024, the expectation among borrowers was clear, the Reserve Bank of Australia (RBA) would begin easing the cash rate, and home loan rates would gradually come down. Fast forward to late 2025, and that optimism has faded. The RBA has held firm, lenders are adjusting their forecasts and talk of rate cuts has been replaced with uncertainty about whether we’ll see any meaningful movement at all.
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First Home Buyer Tips: Essential Tips for a Smooth Start
Buying your first home is one of life’s biggest milestones, exciting, but also a little daunting. With property prices, deposit requirements and lending rules to navigate, it’s easy to feel overwhelmed.
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Rentvesting vs Buying in 2025: Which Strategy Wins?
s Australia's property market continues to evolve in 2025, more and more Aussies are asking the big question: Should I buy a home to live in, or rent where I want and invest elsewhere? This comparison – known as rentvesting vs buying – has become a popular consideration for first home buyers, investors, and families wanting to balance lifestyle and financial growth.
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How to Boost Your Credit Score Fast: What Lenders Really Look for in 2025
In today’s lending environment, a strong credit score is more important than ever. Whether you're applying for a home loan, personal loan, or car finance, your credit score plays a critical role in determining your approval chances and the interest rate you receive.
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Is 2025 the Right Time to Refinance? A Closer Look at Recent RBA Policy Changes
As 2025 unfolds, many Australian homeowners are reconsidering their mortgage strategies in response to recent policy decisions by the Reserve Bank of Australia (RBA). With the RBA adjusting the cash rate to reflect changing inflationary pressures and economic conditions, refinancing has re-emerged as a strategic financial tool for both homebuyers and investors.
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Where Are Interest Rates Heading? A 2025 Look—and Why Go Loans Has Your Back
Australia’s cash rate sits at 3.85% following the RBA’s July pause finder.com.auaudtoday.com. But with global tremors from the Middle East, especially U.S.–Iran hostilities, oil prices have spiked—pushing petrol toward higher levels and reigniting inflation concerns theguardian.comnews.com.au.
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Personal Loans vs. Home Loans: Which Is Right for Your Renovation Project?
Renovating your home can be a great way to increase its value and improve your lifestyle. But how should you finance it? In Australia, two common options are personal loans and home loans — each with distinct benefits.
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Understanding your retirement income in Australia
As retirement approaches, many Australians ask themselves two key questions: Will I be debt-free when I retire? and What income will I have to live on in retirement?
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So what’s going on with fixed rates in the home loan space?
Have you taken a look at your home loan recently? Now might be the right time to make a change – and no, we’re not just saying that to make you feel productive! There’s a real opportunity to lock in a lower fixed rate right now, let’s dive in.
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Let's Talk About Buy Now, Pay Later in Australia – Is It Worth It?
Explore the growing popularity of Buy Now, Pay Later (BNPL) services in Australia, look at the benefits, risks, and tips for consumers to use them responsibly.
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Will You Be Retiring with Debt?
Retirement is a milestone that many look forward to, envisioning it as a time of relaxation and freedom. However, entering retirement with debt can significantly impact the quality and financial security of your golden years.
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Navigating Borrowing in Your Self-Managed Super Fund (SMSF)
For Australians looking for more control over their retirement investments, Self-Managed Super Funds (SMSFs) may offer a flexible alternative to traditional superannuation funds.
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Is It Time to Refinance?
As the clock ticks towards the expiry of your home loan's fixed-rate period, a common concern for many homeowners is the potential increase in interest rates. In some cases, rates could even triple, significantly affecting monthly repayments.
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Building Wealth Gradually with Property Investment
In the bustling world of financial strategies, the allure of quick gains often overshadows the enduring power of patient investing. However, at GoLoans, we've been championing a different mantra for over 30 years: "Get rich slowly."
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Maximising Your Equity
Equity in your property is not just a financial metric—it's a powerful tool that can be leveraged for further investments, renovations, or securing loans.
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Savings Tips for Mortgage Owners
Signing up for a 30-year home loan is just the tip of the home ownership iceberg – the bills and basic household costs can stretch even the most money savvy’s budget.
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How will Grants impact property prices?
The Federal Government will give eligible Australians $25,000 to build or substantially renovate their homes to boost demand in the construction sector and keep builders employed.
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COVID and your property’s value
So, it’s not just job stability that impacts borrowing in these uncertain times, it’s the impact Covid is having on property valuations.
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Car prices soar
Instant asset write off and COVID-19 push car prices higher! For those currently looking to purchase a car... ouch!
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