Results Home Loans
April 2025 Update
What’s been going on this month?
Stay current with Results Home Loans and any updates in the market
Rate Movements
As of 19 February 2025, RBA has decided to cut rates by 0.25 points, changing the Cash Rate to 4.10%.
RBA Cash Rate in April 2015 was 2.25%.
Westpac
Predicts a cut each quarter, cash rate falling to to 3.35% by December 2025.
NAB
Predicts a cut each quarter, cash rate falling to to 3.35% by December 2025.
CBA
Predicts a cut each quarter, cash rate falling to to 3.35% by December 2025.
ANZ
Predicts three more cuts, cash rate falling to 3.35% by August 2025.
CURRENT INTEREST RATES FOR HOME OWNERS
Based on a $500,000 loan over a 30 year term at 80% LVR with Principal and Interest repayments.
CURRENT INTEREST RATES FOR INVESTORS
Based on a $500,000 loan over a 30 year term at 80% LVR with Interest Only repayments.
Lender Turnaround Times
As at 22/04/2025
1 Day
2 Days
3 + Days
Industry News
Loan Approvals Jump 15% in March Quarter
Home loan approvals rose 15% year-on-year in the March quarter, driven by strong demand in NSW, Queensland, South Australia, and WA, according to Loan Market Group.
Investor activity was a key driver, with lending up 32% in NSW and 50% in SA. Queensland also saw strong owner-occupier growth in areas like Brisbane and the Sunshine Coast.
Victoria lagged behind, with just 3% growth and a 43% drop in investor lending in Melbourne’s west. Median loan sizes have surged in most states but remained flat in Victoria.
Loan Market CEO David McQueen noted rising investor interest outside capital cities and predicted owner-occupiers would return as rates fall. Executive chairman Sam White highlighted uneven growth, with affordability and value driving momentum in regional markets.
Banking analyst Jon Mott expects further rate cuts to lift borrowing capacity and housing credit.
These latest figures highlight shifting demand and opportunity, especially in regional and investor-led markets.
Housing Accord Forecast ‘Cautiously Optimistic’
Master Builders Australia is cautiously optimistic about the construction sector, with signs of recovery after two tough years. However, the country still falls short of its National Housing Accord goal by 160,000 homes, calling for stronger government action.
Projections estimate 1.04 million homes will be built over five years—well below the 1.2 million needed. CEO Denita Wawn urged all levels of government to boost investment and reform planning to increase supply.
Both major parties have introduced housing policies ahead of the May 2025 election. Labor plans to build 100,000 homes for first home buyers and expand deposit and LMI support. The Coalition proposed tax deductions on mortgage interest for first home buyers purchasing new builds.
Industry groups welcomed both plans, noting they could significantly boost supply and support young Australians struggling to enter the housing market.
Major Parties Announce New Home Buyer Policies Ahead of Election
On 13 April, both major political parties unveiled new policies to help first home buyers.
Labor’s Plan:
Expanded First Home Guarantee: Removes income and placement caps, allowing all first home buyers to purchase with a 5% deposit and no LMI.
$10 Billion for New Homes: Funds the construction of 100,000 new homes exclusively for first home buyers.
Foreign Investment Clampdown: Temporary ban on foreign purchases of existing homes (April 2025–March 2027) and measures to curb land banking.
Coalition’s Plan:
Mortgage Interest Deduction: First home buyers can deduct interest on up to $650,000 of their loan for new homes (up to 5 years). Income caps: $175K (individuals), $250K (couples).
Expanded Home Guarantee Scheme: Higher income and property price caps, and no limit on the number of scheme places.
Additional Measures: $5B for housing infrastructure, Super Home Buyer Scheme (access up to $50K super for deposit), migration cuts, and proposed changes to lending rules.
Both parties aim to improve affordability and stimulate construction, but differ in their focus—Labor targets supply and buyer access, while the Coalition emphasizes tax relief and regulatory reform.
New Free Resources Available for our Clients!
At Results Home Loans, we’ve launched a Free Resources section on our website to help clients navigate the complexities of home loans and financial planning. These resources are designed to educate, empower, and support them throughout their journey.
Client Success Storys:
Patrice & Michael
What the Clients Needed:
- The clients were first home buyers looking to purchase their first property.
- They wanted to structure the loan under a parental guarantee.
- Initially, their plan was to buy land and build a home.
- However, they later decided to purchase an established property instead.
What We Did:
- We referred them to a builder early on to explore their options for buying land.
- We researched lenders offering competitive interest rates and parental guarantee policies.
- We initially looked into ANZ as an option as it had the most competitive rate and supported parental guarantees. However they were unable to accept Michael’s Credit report due to the low scoring and multiple credit enquires.
- We assessed the client’s situation with other lenders, ensuring their key requirements—a low interest rate and parental guarantee—were considered throughout the process.
- We then submitted the application to Bank of Melbourne, who were able to accept his credit history.
Client Feedback:
“If you are looking at getting your first home, and the whole ‘buying a house’ thing seems intimidating, you NEED to call Results Home Loans.
Where do I start?!
Nadia helped us from the get-go, from helping us identify the amount we can borrow, to providing goals to achieve, to now owning our first home!
She made the impossible, possible, and helped make the transition through it all so effortless.
We would not have managed to get approved, especially by a subsidiary of one of the big 4 banks, yet here we are!
There is no better place to go for help. Truly the team, especially Nadia, are the best people you could have to jump on board with you and get you there even if you think it’s impossible.
On behalf of our family, we would like to say thank you so so much and we look forward to the memories we will make as a family.”
Tracey & Omar
What the Client Needed:
- Wanted to refinance their mortgage with ANZ at an interest rate of 6.19%
- Sought to increase their home loan without a significant rise in monthly repayments
- Preferred a basic home loan product with no ongoing fees
What We Did:
- Researched and compared lenders offering the most competitive interest rates
- Recommended Heritage Bank’s basic home loan product, which includes a redraw facility and no ongoing fees
- Successfully refinanced the loan to Heritage Bank at a lower interest rate of 5.99%
Client Feedback:
“Nadia and the team at Results Home Loans were amazing. They took the time to understand what we needed and guided us every step of the process. They were super patient and kept us updated with how the application was progressing. I highly recommend Results Home Loans for your mortgage needs.”
Thank You!
The value of a strong network and partnerships is priceless, and your referrals have not only brought us new opportunities but reinforced our confidence in delivering exceptional services.✨ We want to take a moment to express our heartfelt thanks for your amazing support and collaboration. 🤝 Your trust in recommending us to your network means the world, and we're honored to have earned it. 🙏 We deeply appreciate your efforts with every referral, and we're here to return the favor anytime you need. If you ever need assistance or a reliable partner, don't hesitate to reach out! 💬