The Shaper Finance blog. Everything about Home Loans in Australia.
Explainer
1 OCT
Home Guarantee Scheme 2025: How First Home Buyers Can Save 7 Years on Deposit Savings
New Home Guarantee Scheme changes from October 1st let first home buyers purchase with just 5% deposit. Learn how to save years on deposit savings.
News Commentary
30 SEP
RBA Holds Cash Rate at 3.6% - Home Loan Impact October 2025
RBA keeps rates on hold at 3.6% in September 2025. Discover what this means for your mortgage repayments and when the next rate cut might come.
Tips
30 SEP
Fixed Rate Cliff 2025: Refinancing Could Save $1,500/Month
Millions face payment shock as fixed rates expire. Discover how strategic refinancing and loan restructuring can reduce monthly repayments by $1,500.
Market Analysis
30 SEP
Q3 2025 Property Review: Rate Cuts Transform Market
Comprehensive Q3 2025 property market analysis. Discover how three RBA rate cuts drove 4.8% annual price growth and reshaped Australian real estate.
News Commentary
12 AUG
RBA August 2025 Rate Cut: $4,000 Mortgage Savings Explained
RBA cuts cash rate to 3.6% in August 2025 - the third cut this year. Discover how this delivers $4,000 annual savings for average mortgage holders.
