Each week, we cut through the noise with a concise, trustworthy recap of the biggest Australian headlines, policy moves, and trends that affect everyday life. Expect clear context, plain-English takeaways, and what it means for you—all in minutes. Ideal for busy listeners who want a dependable, industry-focused wrap without the fluff, staying informed and confident about the week ahead, wherever you are.
This Week:
This weeks wrap explains why the Reserve Bank is holding steady despite earlier cuts, what rising fixed mortgage rates signal for borrowing costs, and how record investor lending could see APRA tighten risk settings. Listeners get practical next steps for personal loans: compare lenders with one application, do a quick eligibility check, organise documents, and test repayments before applying.
EPISODE 882 | Personal Loans Australia: The Weekly News Wrap | Fri, 14th Nov 2025
18 Nov 2025 | Paige Estritori
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Read Full Transcript:
Welcome to Personal Loans Australia: The Weekly News Wrap, Im Paige Estritori, its Friday 14 November 2025.
First, the Reserve Bank of Australia signalled a steady hand this week. In a Monday speech, the Deputy Governor said inflation is easing but still above target, and that policy remains restrictive after earlier cuts this year. Translation for borrowers: rate falls arent guaranteed soon, so budget for todays costs. If youre weighing a personal loan, compare options side‑by‑side and check eligibility before you apply to avoid surprises.
Next up, fixed mortgage rates nudged higher this week, with major lenders lifting some terms by up to around a third of a percentage point. That reflects markets expecting the cash rate to stay put longer. While mortgages are different to unsecured personal loans, banks funding costs can influence pricing across products. If youre consolidating debt or planning a purchase, get a quick pre‑check and compare multiple lenders with one application so you can choose a repayment that fits your budget.
Meanwhile, investor lending hit record highs in the September quarter. The Australian Prudential Regulation Authority, or APRA, has flagged it could tighten settings if risks build—think limits on very high debt‑to‑income lending. Even if thats aimed at home loans, tighter risk settings can flow into how lenders assess affordability more broadly. To put your best foot forward on a personal loan, tidy up your application: have recent payslips and bank statements ready, reduce unused card limits if possible, and use a calculator to test repayments before you submit.
Thats it for this week. For a fast eligibility check, free quotes, and unbiased comparisons, head to personal-loans.
et.au. Thanks for listening and Ill catch you next Friday.
The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.
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