Sandhu Finance, Shop 4, 21-25 Goodall Parade, Mawson Lakes, Adelaide (2026)

29/09/2026

📢 RBA RATE HIKE: WHAT IT MEANS FOR YOUR HOME LOAN

The Reserve Bank of Australia has increased the cash rate by 0.25 percentage points to 4.60%.

If you have a variable rate home loan, your lender will increase your interest rate and repayments. Now is a good time to check your loan and make sure it still suits your needs.

✅ Check your lender’s rate change notice
✅ Review your repayments and household budget
✅ Check whether you’re getting a competitive rate
✅ Speak with us if you’d like to explore your options

You don’t have to work through a rate rise alone. Contact Sandhu Finance for a home loan review.

📞 Prabjit Sandhu – 0430 533 646
📞 Harkirat Ahuja – 0426 092 794
📧 [email protected]

Your lender will confirm whether your loan rate changes and when any new repayment takes effect.

21/09/2026

⚠️ ANOTHER RATE RISE COULD BE COMING NEXT WEEK

With the RBA widely expected to consider another interest-rate increase, now is the time to make sure your home loan is still working for you.

Even a small rate rise can add to your monthly repayments—and staying with the same lender doesn’t always mean you’re receiving their most competitive deal.

A home-loan review could help you:

✅ Check whether your current rate is competitive
✅ Negotiate a better deal with your existing lender
✅ Compare refinancing options from other lenders
✅ Consolidate debts and improve cash flow
✅ Review your loan structure, offset account and repayments

Don’t wait until higher repayments start affecting your household budget. Let’s review your loan now and see whether a better option may be available.

📩 Contact Sandhu Finance today for a complimentary home-loan review.

📞 Prabjit Sandhu – 0430 533 646
📞 Harkirat Ahuja – 0426 092 794
📧 [email protected]
🌐 sandhufinance.com.au

The RBA’s decision has not yet been announced. Decision to be announced on Tuesday, 29 September 2026. Lending criteria, fees and eligibility conditions apply.

03/08/2026

💰 Is your offset account actually saving you money?
A recent ASIC review found that some Australian borrowers were paying more interest than they should have because their offset accounts were not set up or linked correctly. Banks have already paid more than $55 million in compensation, with ASIC expecting further remediation.

If you have an offset account, take a few minutes to check:
✅ Is your offset account linked to your home loan?
✅ Is it reducing the interest charged on your loan?
✅ Are you receiving the benefit you're expecting?

A simple setup issue could mean you're paying more interest than necessary.

If you're unsure, contact your lender or your mortgage broker and ask them to confirm your offset account is linked correctly and operating as intended.

If you're one of my clients, I'm happy to help you check your loan setup and answer any questions.

📞 Prabjit Sandhu – 0430 533 646
📞 Harkirat Ahuja – 0426 092 794

Not all home loans include an offset account, and offset features vary between lenders.

ASIC Report
https://www.asic.gov.au/about-asic/news-centre/find-a-media-release/2026-releases/26-173mr-hidden-mortgage-offset-failures-costing-australians-millions-in-lost-interest-savings/

17/06/2026

📢 RBA Holds the Cash Rate Steady

The Reserve Bank of Australia (RBA) has decided to keep the official cash rate unchanged.

While many borrowers were hoping for a rate cut, today's decision means interest rates remain on hold for now. The RBA continues to monitor inflation, employment, economic growth, and global market conditions before making further changes.

🏡 What does this mean for homeowners and borrowers?
✅ Variable home loan rates are unlikely to change immediately.
✅ Existing fixed-rate borrowers remain unaffected.
✅ If you're coming off a fixed rate soon, now is a great time to review your options.
✅ Refinancing may still help reduce your repayments, even without an RBA rate cut.

Every lender responds differently to market conditions, so it's important to ensure your home loan remains competitive.

📞 If you'd like a complimentary home loan review, contact us today:

Prabjit Sandhu – 0430 533 646
Harkirat Ahuja – 0426 092 794

🌐 Visit: Sandhu Finance

This information is general in nature and does not constitute financial advice. Consider your personal circumstances before making financial decisions.

27/04/2026

🏡 Mortgage Broker vs Bank – What’s the Smarter Choice?

Thinking of getting a home loan?
Before you walk into a bank, here’s something important to know 👇

A bank can only offer their products…
But a mortgage broker gives you access to multiple lenders—helping you find a loan that actually suits your needs.

✅ Compare hundreds of loan options
✅ Get tailored advice based on your situation
✅ Save time, stress & paperwork
✅ Improve your chances of approval
✅ Ongoing support even after settlement

💡 Best part? In most cases, there’s no direct cost to you.

Don’t limit yourself to one bank—explore the full market and make a smarter decision.

🔗 Read more: https://sandhufinance.com.au/post/mortgage-broker-vs-bank

📞 Prabjit Sandhu – 0430 533 646
📞 Harkirat Ahuja – 0426 092 794

📩 Send us a message to explore your options today!

31/03/2026

💡 Want to Pay Off Your Home Loan Faster? Here’s How!

Most home loans in Australia run for 25–30 years… but you don’t have to take that long.

With the right strategy, you could save thousands in interest and become debt-free years earlier.

✅ Make extra repayments (even small amounts help)
✅ Switch to fortnightly repayments
✅ Use an offset account to reduce interest daily
✅ Put bonuses & tax refunds towards your loan
✅ Review your interest rate regularly

📊 Real Example:
On a $600,000 loan at 6%:
👉 Extra $500/month could save you ~$180,000
👉 Or cut your loan by ~8 years

📈 Check out this simple breakdown 👇
https://sandhufinance.com.au/post/how-to-pay-off-your-home-loan-faster

Small changes = BIG savings over time.

🏡 Need help reviewing your loan?

At Sandhu Finance, we help clients across Australia:
✔ Reduce interest
✔ Pay off loans faster
✔ Find better loan structures

📞 Prabjit Sandhu – 0430 533 646
📞 Harkirat Ahuja – 0426 092 794

📩 Message us today for a free review.

⚠️ Disclaimer: This is general information only and does not consider your personal financial situation. Please seek professional advice before making financial decisions.

23/03/2026

🏡 First Home Buyer in Australia? You Could Receive Thousands in Government Support

Buying your first home may be easier than you think. The Australian Government and State Governments offer grants, stamp duty concessions, and low-deposit schemes that can help first home buyers enter the property market sooner.

Some benefits available include:

✔ First Home Owner Grant (up to $30,000 in some states)
✔ Stamp Duty Exemptions that can save tens of thousands
✔ 5% Deposit Home Guarantee Scheme (no Lenders Mortgage Insurance)
✔ 2% Deposit Scheme for Single Parents
✔ Regional Buyer Incentives in certain areas

Many buyers don’t realise they may qualify for multiple schemes at the same time, which can significantly reduce upfront costs.

If you’re thinking about buying your first home, understanding these incentives can make a big difference.

📖 Read the full guide here:
https://sandhufinance.com.au/post/first-home-buyers-australia

📞 If you’d like to find out what you qualify for, feel free to contact us:

Prabjit Sandhu – 0430 533 646
Harkirat Ahuja – 0426 092 794

06/03/2026

🔒 Protecting Your Personal Information Online

In today’s digital world, most financial services — including home loan applications — are completed online. While this makes things easier, it’s important to stay alert and protect your personal information.

Here are a few simple tips to stay safe online:

✔️ Never share your passwords or banking PINs
✔️ Be cautious of emails or messages asking for personal information
✔️ Always check website addresses before uploading documents
✔️ Avoid accessing financial accounts on public Wi-Fi
✔️ Use strong passwords and enable two-factor authentication

Read our full article here:
🌐 https://sandhufinance.com.au/post/online-security

At Sandhu Finance, protecting our clients’ personal information is extremely important to us. If you ever receive a suspicious email, message, or phone call claiming to be from us, please contact us directly to verify.

📞 Prabjit Sandhu – 0430 533 646
📞 Harkirat Ahuja – 0426 092 794

Stay safe online and protect your financial future.

26/02/2026

🏡 Negative Gearing Explained for Property Investors

Negative gearing is a popular property investment strategy in Australia — but it’s not always straightforward.

To make smart investment decisions, it’s important to understand how negative gearing works, the potential benefits and risks, and how your loan structure can support your goals.

📄 Read the full article here:
🔗 https://sandhufinance.com.au/post/negative-gearing-benefits-risks-and-loan-structure-explained

Thinking about investing or reviewing your current loans?
Let’s talk about the best strategy for your situation.
Prabjit Sandhu – 0430 533 646
Harkirat Ahuja – 0426 092 794

13/01/2026

Happy Lohri to everyone! ✨
On this auspicious occasion, we wish you and your family happiness, prosperity, and success. May Lohri bring new opportunities, positive beginnings, and continued growth in the year ahead.

Thank you for your trust and support. We look forward to serving you always.
Happy Lohri! 🌾💛

Sandhu Finance

29/09/2026

21/09/2026

03/08/2026

17/06/2026

27/04/2026

31/03/2026

23/03/2026

06/03/2026

26/02/2026

13/01/2026

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