Finspo - Mortgage Broker

26/06/2026

Meet the faces behind Finspo 👋

Our recent team photoshoot was the perfect opportunity to celebrate the people who make Finspo what it is.

With years of industry experience, access to 30+ lenders, and a genuine passion for helping clients, our team is here to make the home loan process simple and stress-free ✨

Finspo ABN 34 637 821 928 Australian Credit Licence 521120.

25/09/2025

While a fourth rate cut doesn’t look likely next week, there’s still good news for buyers!

Because… rate cuts = more borrowing power 💪

The thing is, when interest rates drop, borrowing gets cheaper, meaning you could qualify for a bigger loan without stretching your budget.

And with three rate cuts on the board, your borrowing power should have gotten a nice little boost.

Try our borrowing power calculator (link in bio) to see what it means for you now 👀

Finspo ABN 34 637 821 928 Australian Credit Licence 521120

23/09/2025

📉 The RBA has cut rates 3 times this year and the cash rate is currently 3.60% (down from 4.35%). Niiiice! 🙌

Next week? Looks like they’ll hit the pause button ⏸️

The good news? The market still expects another cut before the end of the year!

Our hot tips:

1️⃣ Check your rate - if it’s 6%+, you could potentially score a better deal

2️⃣ Repayments don’t always drop automatically, so get in touch with your lender if you want extra 💸 in your pocket.

Finspo ABN 34 637 821 928 Australian Credit Licence 521120

22/09/2025

👀 Pro tip: Keep an eye on your lender’s “effective date” – that’s when your rate actually drops.

The thing is...some lenders can be a bit cheeky (the longer they wait, the more money they make).

So, who passed the savings fast, and who took their time?

RBA cut date: 12 Aug 2025 (0.25% 🎉)

Fast movers:
😇 12 Aug – Athena
😇 15 Aug – Macquarie & RedZed

Big 4:
🏦 22 Aug – ANZ & Commonwealth (+10 days)
🏦 25 Aug – NAB (+13 days)
🏦 26 Aug – Westpac (+14 days)

Slowpokes:
🐢 29 Aug – Bank of QLD
🐢 30 Aug – ME Bank
🐢 1 Sep – P&N Bank

Moral of the story? Don’t just watch the rate...watch the date 😜

Finspo ABN 34 637 821 928 Australian Credit Licence 521120

# interestrates

31/10/2024

In a nutshell, a bank property valuation is the value of a property determined by a lender (though it’s often done by a third-party independent valuer).

And there are a few things to know about this important step, because your property valuation can ultimately impact the decisions you make or where you purchase 👇

https://www.finspo.com.au/learn/bank-property-valuations/

Finspo ABN 34 637 821 928 Australian Credit Licence 521120.

Whether you’re buying or refinancing, a bank valuation determines the value of a property in the eyes of the lender. So what’s involved in the process? When do you need one?

22/10/2024

Buy where you can afford, live where you want. It’s called ‘rentvesting’ and it’s an increasingly popular investment strategy. So what are the pros and cons? Should you consider it?

https://www.finspo.com.au/learn/what-is-rentvesting/

Finspo ABN 34 637 821 928 Australian Credit Licence 521120.

Buy where you can afford, live where you want. It’s called ‘rentvesting’ and it’s an increasingly popular investment strategy. Let’s take a closer look.

27/08/2024

A vendor advocate represents the seller – acting as a middle person between the seller and the agent.

But what do they actually do? Will they save you money? And should you work with one 👉 https://www.finspo.com.au/learn/what-is-a-vendor-advocate/

Finspo ABN 34 637 821 928 Australian Credit Licence 521120.

If you’re selling your home, you want the best possible price. That’s where a vendor advocate comes in. So, what do they do?