The Aussie Lending Lounge

New Lending Trends in the Market

New Lending Trends in the Market
 
In this episode of "The Aussie Lending Lounge," join David F. Chae, CFO and Co-Founder of Loans AU, as he explores the latest lending trends shaping the Australian market in 2025. Discover current mortgage rates, the rise of fixed-rate loans, government incentives, and exciting technology advancements like NextGen ID and Open Banking. David discusses the role of non-bank lenders and private second mortgages to help borrowers navigate financial challenges. Tune in for valuable tips on managing your mortgage during tough times and insights into the future of mortgage brokers in the evolving lending landscape.
#LendingTrends #LoansAU #MortgageRates #HomeLoans #OpenBanking #NextGenID #FinancialAdvice #Australia #MortgageBrokers #SustainableLending #AustralianFinance

The Importance of Credit Scores in Lending

The Importance of Credit Scores in Lending
 
In this episode of "The Aussie Lending Lounge," join David F. Chae, CFO and Co-Founder of Loans AU, as he explores the critical role that credit scores play in the lending process. Understand what constitutes a credit score, why it's important for securing loans, and what factors influence it. Learn how your credit history can affect your borrowing terms and discover practical tips for improving your score. Whether you’re applying for a home loan, car loan, or any credit facility, this episode is packed with insights that will help you enhance your financial well-being. Plus, find out how Loans AU can assist you in analyzing your credit situation and accessing tailored lending solutions.
For more assistance, visit us at www.loansau.com, contact us at 0413360888, or email us at theteam@loansau.com.
 
#CreditScores #Lending #LoansAU #FinancialLiteracy #HomeLoans #CarLoans #MortgageAdvice #Australia #FinanceTips #AussieLendingLounge #PersonalFinance #CreditReport #LoanApproval
 

Variable vs Fixed Rates: Making the Right Choice for Your Loans

Variable vs Fixed Rates: Making the Right Choice for Your Loans
 
In this episode of "The Aussie Lending Lounge," join David F. Chae, CFO and Co-Founder of Loans AU, as he unpacks the critical differences between variable and fixed interest rates for home and commercial loans.
 
Discover the advantages and disadvantages of each rate type, and learn how to assess your financial stability, long-term plans, and market trends to make an informed decision. Whether you're a first-time buyer or a seasoned investor, this episode is packed with insights to help you navigate your lending choices with confidence.
Don't miss our next episode on "The Importance of Credit Scores in Lending" to further empower your financial journey!
#AussieLendingLounge #LoansAU #VariableRates #FixedRates #HomeLoans #CommercialLoans #FinancialPlanning #InterestRates #LendingAdvice #CreditScores #FinanceTips #Australia #MortgageAdvice #Podcast

Episode 2: What Every First Home Buyer Needs to Know in 2025

Episode 2: What Every First Home Buyer Needs to Know in 2025The Aussie Lending Lounge | Hosted by David Chae
Welcome back to The Aussie Lending Lounge. I’m David Chae, CFO at Loans AU, and today we’re diving into a topic that’s top of mind for many Australians — buying your very first home in 2025.
If you're a first home buyer, you’ve probably been reading headlines, scrolling through listings, and maybe even checking your borrowing power online. But with rising property prices, interest rate shifts, and changing government schemes — where do you even begin?
In this episode, we’ll cover the key things you need to know before you buy, how to prepare, and the common mistakes to avoid so you can feel confident about stepping into the property market this year.
Let’s start with what’s changed in 2025.
The government has expanded support for first home buyers through several schemes. These include the First Home Guarantee, Regional First Home Buyer Guarantee, and shared equity schemes where the government contributes up to 40% of the property price. These programs are game-changers — especially if you don’t have a 20% deposit saved.
That leads us to the first thing every first home buyer should know in 2025 — you don’t always need a big deposit.
Many buyers still believe they need 20% or more saved to get a loan. But with schemes like the First Home Guarantee, you may be able to buy with as little as 5%, and avoid Lenders Mortgage Insurance completely. Some buyers with single income or regional locations may qualify for even lower deposits.
The second thing to understand is your borrowing power — and how it’s calculated.
In 2025, most lenders are applying slightly tighter assessment rates. That means your maximum borrowing amount may be lower than it was in previous years. Lenders are not just looking at your income, but also your living expenses, liabilities, and even spending habits.
So before you start house hunting, it’s important to sit down with a broker and get a clear picture of what you can actually afford — not just what online calculators tell you.
Number three: Credit health matters.
A lot of first home buyers don’t realise that a missed bill, Buy Now Pay Later account, or short credit history can impact your approval. In today’s lending environment, your credit report plays a big role.
If you're thinking about buying in the next 6–12 months, start tidying up your finances now. Pay off smaller debts, avoid late payments, and don’t apply for multiple credit cards or personal loans. A good broker will help you position your application in the best possible light.
Next — let’s talk grants and incentives.
In addition to federal schemes, many states and territories are still offering first home owner grants, stamp duty discounts, and rebates. These can save you thousands. But the rules are different in each state and change regularly, so it’s crucial to check the latest info — or work with someone who already knows it.
At Loans AU, we make sure our first home buyer clients are across every possible support available before they make an offer.
The fifth thing to know: Get pre-approval before you start shopping.
In 2025, properties are still moving fast in certain markets. Without pre-approval, you risk falling in love with a property that’s outside your borrowing limit — or worse, making an offer you can’t follow through on.
Pre-approval gives you a clear budget, helps with negotiations, and shows sellers and agents that you’re serious.
And finally — have a team around you.
Buying a home isn’t just a financial move, it’s an emotional one. Having a good broker, a buyer’s agent or conveyancer, and someone you trust to bounce questions off can make all the difference. Don’t do it alone.
To quickly recap, here’s what every first home buyer should know in 2025:
You may be able to buy with as little as 5% deposit
Borrowing power depends on more than income — expenses matter too
Clean up your credit early
Take advantage of grants and government schemes
Get pre-approved before you go house hunting
Build your support team
At Loans AU, we help first home buyers every day. We explain the process, match you with the right lender, and support you from pre-approval to settlement.
If you’re thinking about buying your first home this year, reach out to our team. We’re here to make lending simple — and your first home purchase a smooth, exciting experience.
Visit us at www.loansau.com or email theteam@loansau.com to get started.
Thanks for tuning in to The Aussie Lending Lounge. In the next episode, we’ll be breaking down fixed vs variable rates — and how to choose what’s right for you.
Until then, stay confident, stay curious — and remember, at Loans AU, we’ve got your back.

Episode 1: Welcome to Loans AU – Who We Are and What We Do

In this first episode, Loans AU CFO David Chae shares who we are, what we do, and how we help Aussies with home loans, private lending, SMSF finance, and more. Simple, smart lending made for you.
Visit: www.loansau.com | Email: theteam@loansau.com