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Finance News from Personal Loans Australia

Personal Loans Australia is pleased to present the latest financial news headlines.

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Finance News

October 2025 Sees Significant Rise in Australian Household Spending

11 Dec 2025: Paige Estritori

In October 2025, Australian household spending experienced a notable increase of 1.3%, reaching A$78.4 billion. This marks the most substantial monthly rise in nearly two years, as reported by the Australian Bureau of Statistics. The surge was primarily driven by heightened expenditures on clothing, electronics, and hospitality services, spurred by year-end sales events. - read more

APRA's New Cap on High Debt-to-Income Home Loans: What Borrowers Need to Know

11 Dec 2025: Paige Estritori

In a proactive move to address potential risks in the housing market, the Australian Prudential Regulation Authority (APRA) has announced a new policy set to take effect in February 2026. This policy will cap the issuance of high debt-to-income (DTI) home loans at 20% of new lending portfolios for authorized institutions. Specifically, loans where the borrower's debt exceeds six times their income will be subject to this limitation. - read more

Rising Personal Debt Levels Among Australians: Insights from Canstar's 2025 Survey

11 Dec 2025: Paige Estritori

Recent findings from a national survey conducted by financial comparison site Canstar reveal a concerning trend in Australia's personal debt landscape. While the proportion of Australians holding non-property-related personal debt has decreased, those who do carry such debt are facing higher average amounts. In 2025, the average personal debt has risen to $17,634, up from $15,179 in previous years. - read more

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Personal Loans Articles

Comparing Loan Options: Strategic Thinking for the Financially Conscious Australian

As Australians navigate the complex world of finance, understanding the nuances of borrowing can make a significant difference in one’s economic well-being. Being credit-savvy is not just about securing a loan; it's about making informed decisions that align with your long-term financial goals. In this pursuit, comparing loan options emerges as a crucial step for the financially conscious Australian. - read more

Is Refinancing Your Personal Loan Right for You? Weighing the Benefits and Drawbacks

Have you ever heard the term loan refinancing and wondered what it actually means? Simply put, refinancing a loan involves replacing your current loan with a new one, typically to take advantage of better terms, such as lower interest rates or different repayment conditions. - read more

Loan-Ready Budgeting: Prepare Your Finances for a Smooth Application

Stepping into the realm of loans and finance can be a daunting endeavor, but it all begins with a solid foundation in personal budgeting. Understanding how to manage your money effectively is not just a skill—it’s a crucial aspect of securing financial stability and achieving peace of mind. By tuning in to your finances and preparing a thought-out plan, you’re setting the stage for a well-informed loan application process. - read more

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Knowledgebase

Home Equity Loan:
A loan in which the borrower uses the equity of their home as collateral.

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