Stag Finance

15/10/2026

🏡 𝗔 𝗤𝗨𝗜𝗖𝗞 𝗛𝗢𝗠𝗘 𝗟𝗢𝗔𝗡 𝗖𝗛𝗘𝗖𝗞 𝗧𝗛𝗔𝗧 𝗖𝗢𝗨𝗟𝗗 𝗕𝗘 𝗪𝗢𝗥𝗧𝗛 𝗬𝗢𝗨𝗥 𝗧𝗜𝗠𝗘.

If you have a mortgage with an offset account, this one's worth a minute of your time.

ASIC has recently highlighted cases where customers' offset accounts weren't properly linked to their home loans — meaning they missed out on interest savings they thought they were getting.

And in some cases, the problem wasn't obvious because their regular repayments continued as normal.

𝗦𝗢, 𝗛𝗘𝗥𝗘'𝗦 𝗬𝗢𝗨𝗥 𝗤𝗨𝗜𝗖𝗞 𝗖𝗛𝗘𝗖𝗞 👇

✅ Make sure your offset account is linked to the correct home loan.

✅ If you've refinanced or changed loan products recently, check that the link is still working.

✅ If you're unsure, ask your lender to confirm it.

An offset account can be a really useful feature, but it's worth making sure you're actually receiving the benefit.

And while you're checking, it might also be a good time to ask yourself whether your current home loan still suits your circumstances.

You don't need to refinance just because someone suggests it. Sometimes your existing loan is still the right fit. The important thing is knowing where you stand.

🦌 𝗦𝗧𝗔𝗚 𝗙𝗜𝗡𝗔𝗡𝗖𝗘
Helping locals make confident property and finance decisions.

13/10/2026

🏡 𝗙𝗥𝗘𝗘 𝗣𝗥𝗢𝗣𝗘𝗥𝗧𝗬 𝗥𝗘𝗣𝗢𝗥𝗧𝗦 — 𝗞𝗡𝗢𝗪 𝗪𝗛𝗔𝗧 𝗬𝗢𝗨'𝗥𝗘 𝗦𝗜𝗧𝗧𝗜𝗡𝗚 𝗢𝗡.

There's been plenty of talk lately about the Australian property market.

Some markets have been cooling, and there are questions about whether Adelaide's growth is slowing and what that might mean for local homeowners.

So, where does that leave your place?

Has its value continued to grow? Has the market levelled out? Or could things have changed more than you realise?

You don't have to guess. And you don't have to make any decisions today.

𝗬𝗢𝗨 𝗖𝗢𝗨𝗟𝗗 𝗚𝗢𝗢𝗚𝗟𝗘 𝗬𝗢𝗨𝗥 𝗔𝗗𝗗𝗥𝗘𝗦𝗦. You could look at what similar homes are listed for online. You could ask your neighbour what they reckon it's worth.

Or you could invite a local real estate agent around for an appraisal… and spend the next few weeks dodging calls asking when you're planning to sell. 😂

But what if you simply want a better idea of where you stand?

That's where I can help.

Through Cotality (formerly RP Data), I can access property data and reports to give you a useful snapshot of your home's estimated value and the surrounding market.

𝗡𝗢 𝗢𝗕𝗟𝗜𝗚𝗔𝗧𝗜𝗢𝗡. 𝗡𝗢 𝗣𝗥𝗘𝗦𝗦𝗨𝗥𝗘. 𝗡𝗢 𝗣𝗟𝗔𝗡 𝗧𝗢 𝗦𝗘𝗟𝗟 𝗥𝗘𝗤𝗨𝗜𝗥𝗘𝗗.

Just a starting point to help you understand what you're sitting on.

And if you're curious, I'll get your free property report back to you within 2 business hours.

Simply send me a message with your property address and I'll take care of the rest.

🦌 𝗦𝗧𝗔𝗚 𝗙𝗜𝗡𝗔𝗡𝗖𝗘
Helping locals make confident property and finance decisions.

29/09/2026

🚨 𝗥𝗕𝗔 𝗥𝗔𝗧𝗘 𝗥𝗜𝗦𝗘 — 𝟰.𝟲𝟬%

Well… that’s not the news mortgage holders were hoping for.

The RBA has increased the cash rate by **0.25%**, taking it from 4.35% to 4.60%.

And while we wait to see how individual lenders respond, there’s one thing I’d be doing if I had a mortgage:

𝗜'𝗗 𝗖𝗛𝗘𝗖𝗞 𝗪𝗛𝗘𝗥𝗘 𝗠𝗬 𝗟𝗢𝗔𝗡 𝗦𝗜𝗧𝗦.

Not panic.
Not automatically refinance.
Not assume another bank is better.

Just check.

Because when rates move, it’s a pretty good reminder that your mortgage is worth keeping an eye on too.

If you haven't reviewed yours for a while, send me a message.

🦌 𝗦𝗧𝗔𝗚 𝗙𝗜𝗡𝗔𝗡𝗖𝗘
Helping locals make confident property and finance decisions.

28/09/2026

☀️ 𝗦𝗣𝗥𝗜𝗡𝗚 𝗛𝗔𝗦 𝗔 𝗪𝗔𝗬 𝗠𝗔𝗞𝗜𝗡𝗚 𝗬𝗢𝗨 𝗙𝗔𝗟𝗟 𝗜𝗡 𝗟𝗢𝗩𝗘 𝗪𝗜𝗧𝗛 𝗬𝗢𝗨𝗥 𝗛𝗢𝗠𝗘 𝗔𝗚𝗔𝗜𝗡.

The doors are open.

The backyard is getting used.

Dinner outside suddenly seems like a good idea.

The kids are actually out of the house.

And you start remembering why you bought the place in the first place. ☀️

It also makes you notice something else...

𝗛𝗢𝗪 𝗟𝗢𝗡𝗚 𝗛𝗔𝗦 𝗜𝗧 𝗕𝗘𝗘𝗡 𝗦𝗜𝗡𝗖𝗘 𝗬𝗢𝗨 𝗟𝗔𝗦𝗧 𝗟𝗢𝗢𝗞𝗘𝗗 𝗔𝗧 𝗧𝗛𝗘 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘 𝗔𝗧𝗧𝗔𝗖𝗛𝗘𝗗 𝗧𝗢 𝗜𝗧?

Not necessarily because you need to change anything.

Just because life changes.

Your loan changes.

Your property changes.

And sometimes it's worth making sure the two are still working together.

If you've been meaning to have a look, we're always happy to have a chat.

🦌 𝗦𝗧𝗔𝗚 𝗙𝗜𝗡𝗔𝗡𝗖𝗘
Helping locals make confident property and finance decisions.

21/09/2026

☀️ 𝗧𝗛𝗘 𝗕𝗔𝗖𝗞𝗬𝗔𝗥𝗗 𝗜𝗦 𝗕𝗔𝗖𝗞.

Winter is officially behind us.

The sun is out, the days are getting longer and suddenly we're remembering that we actually have an outdoor entertaining area. 😂

Which raises an important question...

𝗪𝗛𝗔𝗧 𝗪𝗢𝗨𝗟𝗗 𝗬𝗢𝗨 𝗗𝗢 𝗜𝗙 𝗬𝗢𝗨 𝗖𝗢𝗨𝗟𝗗 𝗧𝗔𝗞𝗘 𝗬𝗢𝗨𝗥 𝗛𝗢𝗠𝗘 𝗧𝗢 𝗧𝗛𝗘 𝗡𝗘𝗫𝗧 𝗟𝗘𝗩𝗘𝗟?

New deck?

Outdoor kitchen?

Pool?

Landscaping?

That renovation you've been talking about for three years?

Or perhaps the new sauna you're currently trying to convince your other half is an essential household expense. 😂

Sometimes the idea is easy.

The interesting part is working out **how to make it happen.**

If you've got a project in mind, it might be worth having a chat about what options are available.

🦌 𝗦𝗧𝗔𝗚 𝗙𝗜𝗡𝗔𝗡𝗖𝗘
Helping locals make confident property and finance decisions.

07/09/2026

🏡 𝗧𝗛𝗘 𝗘𝗔𝗦𝗜𝗘𝗦𝗧 𝗠𝗢𝗡𝗘𝗬 𝗧𝗢 𝗦𝗔𝗩𝗘 𝗜𝗦 𝗧𝗛𝗘 𝗠𝗢𝗡𝗘𝗬 𝗬𝗢𝗨'𝗥𝗘 𝗔𝗟𝗥𝗘𝗔𝗗𝗬 𝗦𝗣𝗘𝗡𝗗𝗜𝗡𝗚.

We’re all pretty good at looking for ways to save a few dollars.

Shop around for cheaper groceries.

Cancel the subscription you forgot you had.

Compare your insurance.

Wait for the sale.

All those little things add up.

But there’s one big expense that a lot of homeowners don't regularly check...

𝗬𝗢𝗨𝗥 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘.

If you're paying hundreds or thousands of dollars in interest every month, even a small improvement to your loan can potentially make a meaningful difference over time.

And the thing is, your mortgage might have been set up years ago.

Since then, your loan balance may have changed.

Your property value may have changed.

Your income and circumstances may have changed.

And lenders have changed their rates, products and pricing.

𝗦𝗢 𝗜𝗧'𝗦 𝗪𝗢𝗥𝗧𝗛 𝗖𝗛𝗘𝗖𝗞𝗜𝗡𝗚.

Not necessarily because you need to refinance.

Not because your bank is necessarily doing anything wrong.

And certainly not because changing lenders is always the answer.

Just because you should know whether you're still getting a competitive deal.

Sometimes there’s a better option elsewhere.

Sometimes your existing lender can sharpen the rate.

And sometimes everything is already spot on.

𝗧𝗛𝗘 𝗜𝗠𝗣𝗢𝗥𝗧𝗔𝗡𝗧 𝗧𝗛𝗜𝗡𝗚 𝗜𝗦 𝗞𝗡𝗢𝗪𝗜𝗡𝗚.

If you've had your mortgage for a few years and haven't really looked at it since...

Maybe it's time.

📩 Send us “CHECK MY MORTGAGE” and we'll have a look.

🦌 𝗦𝗧𝗔𝗚 𝗙𝗜𝗡𝗔𝗡𝗖𝗘
Helping locals make confident property and finance decisions.

31/08/2026

🏡 𝗪𝗛𝗘𝗡 𝗗𝗜𝗗 𝗬𝗢𝗨 𝗟𝗔𝗦𝗧 𝗖𝗛𝗘𝗖𝗞 𝗪𝗛𝗔𝗧 𝗬𝗢𝗨𝗥 𝗛𝗢𝗠𝗘 𝗜𝗦 𝗪𝗢𝗥𝗧𝗛?

If you bought your home a few years ago, there's a good chance a lot has changed since settlement.

You may have paid down your mortgage.

Your income may have changed.

Your property value may have changed.

And your loan may now sit at a very different Loan-to-Value Ratio (LVR) than it did when you first borrowed.

That can matter.

A lower LVR can potentially open up different pricing and loan options, while the equity you've built may also give you more flexibility if you're considering renovating, investing or simply restructuring your finances.

💡 The interesting part is that your mortgage doesn't automatically update just because your circumstances have improved.

You may still be sitting on the same loan, with the same lender, paying the same rate you were paying years ago.

It might still be perfectly suitable.

Or it might be worth a closer look.

When was the last time you actually checked?

🦌 𝗦𝗧𝗔𝗚 𝗙𝗜𝗡𝗔𝗡𝗖𝗘
Helping locals make confident property and finance decisions.

18/08/2026

🏡 𝗪𝗛𝗬 𝗖𝗔𝗡 𝗢𝗡𝗘 𝗕𝗔𝗡𝗞 𝗦𝗔𝗬 𝗬𝗢𝗨 𝗖𝗔𝗡 𝗕𝗢𝗥𝗥𝗢𝗪 $𝟳𝟬𝟬𝗞... 𝗪𝗛𝗜𝗟𝗘 𝗔𝗡𝗢𝗧𝗛𝗘𝗥 𝗦𝗔𝗬𝗦 $𝟴𝟬𝟬𝗞?

Your borrowing capacity isn't a universal number.

Every lender has its own way of assessing your income, expenses and existing commitments.

One lender might treat overtime differently.

Another might assess your credit card limits differently.

Another might have a different approach to dependants, HECS/HELP debt, rental income or living expenses.

That's why two lenders can look at exactly the same borrower and arrive at very different borrowing capacities.

💡 It's not necessarily that one lender is "wrong". Their lending policies are simply different.

This is one of the areas where understanding lender policy can make a real difference — particularly when you're trying to maximise borrowing capacity without simply borrowing more than you should.

The important question isn't "How much will a bank lend me?"

It's "Which lender assesses my circumstances most appropriately?"

🦌 𝗦𝗧𝗔𝗚 𝗙𝗜𝗡𝗔𝗡𝗖𝗘
Helping locals make confident property and finance decisions.

14/08/2026

🏡 𝗖𝗛𝗘𝗖𝗞 𝗠𝗬 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘.

That's all you need to say.

Maybe you've been meaning to check your interest rate.

Maybe your property has increased in value.

Maybe your circumstances have changed.

Or maybe you've simply had the same loan for years and never thought about it.

You don't need to know whether you should refinance.
You don't need to know if your rate is competitive.

Just ask us to check.

We'll review your current loan, pricing, structure and options and let you know if there's anything worth doing.

Maybe there is.

Maybe everything is already spot on.

Either way, you'll know.

📧 Check my mortgage.

🦌 STAG FINANCE
Helping locals make confident property and finance decisions.

Send a message to learn more

11/08/2026

🏡 𝗥𝗕𝗔 𝗛𝗢𝗟𝗗𝗦 𝗥𝗔𝗧𝗘𝗦... 𝗕𝗨𝗧 𝗪𝗛𝗔𝗧 𝗗𝗢𝗘𝗦 𝗧𝗛𝗔𝗧 𝗔𝗖𝗧𝗨𝗔𝗟𝗟𝗬 𝗠𝗘𝗔𝗡 𝗙𝗢𝗥 𝗬𝗢𝗨𝗥 𝗠𝗢𝗥𝗧𝗚𝗔𝗚𝗘?

The RBA has left the cash rate unchanged at 4.35% today.

For homeowners, that's welcome news.

But there's an important distinction:

The RBA holding doesn't automatically mean your mortgage rate is competitive.

Your home loan rate is determined by your lender, your loan type, your LVR, your pricing, and your individual circumstances.

Two homeowners could have very similar loan balances and still be paying quite different interest rates.

And while today's decision means there's no immediate change to the RBA cash rate, it doesn't tell us what your particular lender is going to do with its own mortgage pricing.

💡 So what should you do?

Rather than trying to predict the next RBA move, it can be more useful to ask:

👉 What interest rate am I actually paying?

👉 Has my property value changed since I took out the loan?

👉 Has my LVR improved?

👉 Does my current loan structure still suit me?

👉 Am I making the most of features like an offset or redraw?

👉 Could my existing lender offer me better pricing?

You don't necessarily need to refinance.

You don't necessarily need to change lenders.

But you should know whether your current mortgage is still working as hard for you as it could.

The RBA might set the cash rate. But your mortgage deserves a review based on your circumstances—not just the latest headline.

🦌 STAG FINANCE
Helping locals make confident property and finance decisions.