Australia · RBA cash rate
The cash rate rose.
Ask your lender what changes for your loan.
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Up 0.25 percentage points. The cash rate is not your mortgage rate; lenders set their own rates.
Ausliving · Before / Now
Property news, laws & regulations
Checked · Australia + Victoria
12 picture updates
Victoria · private/other residential sales
A new price statement.
Ask to see the new PPS.
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Private/other sales: from 1 Oct 2026. Auctions/fixed-date sales: events from 16 Oct 2026. Check the applicable transition.
Melbourne dwellings · REA price index
Melbourne prices eased.
5.2% lower over one year.
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Normalised illustration: September 2025 = 100, based on REA annual change. Australia: +0.1% over the year. One index, not your property value, a forecast or the effect of the latest rate rise alone.
Victoria · agent/provider application fees
Rental applications: fee ban.
From 13 Oct: no charge just to apply.
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Agent/provider application-fee ban starts 13 Oct 2026. Third-party application fees are already banned. Rent and lawful bonds are separate.
Victoria · gas + electrical safety
Safety checks cover more leases.
Book checks and keep the records.
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Existing duty generally covers post-29-March-2021 agreements. From 13 Oct: all agreements. Gas where gas is installed; qualified trades required.
Australia · negative gearing
Investor tax: a future start.
Have a tax adviser model your property.
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From 1 Jul 2027. Eligible new builds and holdings acquired before 12 May 2026, 7:30pm AEST have exceptions. CGT has separate transitions.
Mortgage illustration · $600,000 loan
What could that cost?
+$97 a month in this example.
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Illustration only: $600,000 balance, 30 years, monthly payments, no fees or offsets. Annual rates and independently rounded repayments. Your lender offer may differ.
Victoria · rent increases
More notice before rent rises.
A rate rise does not bypass renter rights.
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Since 25 Nov 2025. Generally one increase per 12 months; some older leases have exceptions. Use valid written notice.
Australia · property settlement
Selling? Check withholding.
Resident seller? Get an ATO clearance certificate.
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Applicable contracts from 1 Jan 2025. Withholding is not the final tax bill. Australian tax-resident sellers: give ATO clearance before settlement.
Australia · Government 5% Deposit Scheme
More places for eligible buyers.
You still need eligibility and lender approval.
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Since 1 Oct 2025. Eligibility, local price caps and lender approval still apply. You remain responsible for the loan.
Australia · buying after a rate rise
Buying? Recheck your budget.
Confirm your comfortable limit before bidding.
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Planning step, not a new law. Your loan and pre-approval depend on lender assessment; fixed loans may not change immediately.
Victoria · moving out
Cleaning rules stay the same.
Compare with the entry condition report.
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Allow fair wear and tear. Professional cleaning only when lawfully required. A bond refund cannot be guaranteed.