Nifty Lending Services

16/06/2026

RBA HOLDS CASH RATE AT 4.35% for June 2026.

The Reserve Bank has decided to leave the official cash rate unchanged at 4.35%.

What does this mean for homeowners, buyers and investors?

1. Variable rate borrowers may see no immediate change to their repayments.
2. Buyers can continue planning with greater certainty.
3. Refinancing opportunities may still exist for those paying higher rates.
4. Investors can review their portfolio and borrowing strategy.

While rates have remained on hold, every lender assesses borrowers differently, and your borrowing capacity may have changed since your last review.

Whether you're:
1. Buying your first home
2. Looking to refinance
3. Building an investment portfolio
4. Wanting to consolidate debt

Now is a good time to review your options.

Contact Us today for a FREE Home Loan Health Check and Borrowing Capacity Assessment at 0431 955 262

Send me a message or call to discuss your situation.

11/06/2026

11/06/2026

Wondering why your borrowing capacity is different from someone else’s?

Australian lenders look at much more than just your income. Your expenses, debts, credit history, deposit size, employment type and even the number of dependants can all impact how much you can borrow.

Swipe through and learn the 10 key factors lenders consider before approving a home loan.

Thinking of buying, refinancing or investing? Understanding these factors can help you prepare for a stronger application.

📩 Message me to discuss your borrowing capacity.

06/06/2026

04/06/2026

Did you know your bank statements can make or break your home loan application?

Banks don’t just look at your income. They also review spending habits, existing debts, savings patterns and any financial red flags.

Before applying for a home loan, make sure you understand what lenders are looking for.

Watch this video to learn:
✅ What helps your application
✅ What could raise concerns
✅ Simple steps to improve your chances of approval

Save this post for later and share it with someone planning to buy a home.

📞 Need mortgage advice? Get in touch today.

28/05/2026

What is Negative Gearing and why is everyone talking about it again?

If you own an investment property or are planning to invest in Australian real estate, understanding negative gearing is critical.

In this video, I explain:
• What negative gearing actually means
• What changes have been proposed and its timeline.
• What investors and home buyers should watch moving forward

Negative gearing can affect property prices, rental supply, investment strategies and long-term wealth creation.

If you want to understand how policy changes may affect your future plans, this video breaks it down in simple terms.

For personalised lending or investment lending guidance, feel free to get in touch.

28/05/2026

Timeline of Negative gearing Explained.
What is Negative Gearing and why is everyone talking about it again?

If you own an investment property or are planning to invest in Australian real estate, understanding negative gearing is critical.

In this video, I explain:
• What negative gearing actually means
• What timeline proposes for Negative Gearing.
• What investors and home buyers should watch moving forward

If you want to understand how policy changes may affect your future plans, this video breaks it down in simple terms.

For personalised lending or investment lending guidance, feel free to get in touch.

22/05/2026

Top-Up Loan or Cash Out Refinance — both allow you to access equity, but they work differently.

A top-up usually increases your existing loan with the same lender, while a cash out refinance may involve refinancing your current loan and releasing additional funds.

In this video
• How each option works
• Key differences #
• What lenders assess before approval

Useful for:
✔ Renovations
✔ Investment property purchases
✔ Debt consolidation
✔ Large expenses
✔ Equity access strategies

For personalised guidance, contact Nifty Lending Services.