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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

PPT Lending

PPT Lending is a Ballarat-based mortgage broker specialising in tailored lending solutions.

11/06/2026

If you’ve been trying to buy your first home, the recent rate hikes might feel like a setback. But there is a silver lining emerging in the property market right now.

The latest ABS data shows a noticeable drop in overall home lending, and property price growth is finally slowing down (especially across Sydney and Melbourne).

What does this mean for you?
* Less bidding competition at auctions.
* More room to negotiate with vendors.
* Sellers who are motivated to get a deal done.

Whilst the borrowing capacity has shifted, the market is becoming more buyer-friendly.

Get in touch with the PPT Lending team to look at your numbers and see what your 5% deposit scheme options look like in today’s landscape!

25/05/2026

Between rising wage costs, higher interest bills and the upcoming payday super changes from 1 July, cashflow is under pressure for a lot of businesses.

If you're finding the gap between outgoings and receivables is widening, there are lending solutions designed specifically for this, debtor finance, business lines of credit and more.

Get in touch to talk about your circumstances - (03) 5331 3711

07/05/2026

Interest-only loans remain a popular tool for property investors but they're not automatically the right choice. In a higher rate environment, the gap between IO and P&I has narrowed, and lender policies are tightening.

Our team can help you work out what actually makes sense for your portfolio right now - get in touch with the lending team to learn more.

27/04/2026

Think of an offset account as a standard transaction account that is "linked" to your variable home loan. The balance in this account is subtracted from your loan balance before the bank calculates your interest.

How it works:
If you have a $500,000 mortgage and $50,000 sitting in your linked offset account, the bank only charges you interest on $450,000.

Why it’s a game-changer:
- Instant Savings: Every dollar in there works for you 24/7.
- Total Liquidity: It’s your cash. Use it for groceries or bills just like a normal bank account.
- Tax-Free Gains: Saving interest is often better than earning it in a savings account (where you’d pay tax on the profit!).
- Shorten Your Loan: Less interest charged means more of your monthly payment goes toward the actual house.

07/04/2026

In 2026, a missed payment isn't a 'life sentence.'

Here’s five tips on how to protect your credit score while managing the cost of living squeeze:

- The 14-Day Rule: Payments made within 14 days of the due date generally won't show as "late" on your Australian credit report.

- The Power of "Ticks": Every on-time phone, utility, or credit card bill adds a positive marker. Stringing together 12-24 months of "on-time" status can rapidly outpace old mistakes.

- Talk Before You Miss: If a payment is impossible, call your lender before the deadline. Requesting a "Financial Hardship" arrangement is far better for your long-term record than a 5-year Default.

- Stop the "Shotgun" Apps: Too many BNPL or credit applications in a short window can tank your score. Chat with a broker before hitting "submit."

- Limit Control: Lowering unused credit card limits can instantly boost your borrowing capacity.

Consistent, small steps forward carry more weight than you might think.
If you're feeling the squeeze and want to understand where you stand, get in touch with the team on (03) 5331 3711.

18/03/2026

Another Rate Rise: What it means for you. Yesterday, the RBA increased the official cash rate by 0.25%, bringing it to 4.10%. We know this second consecutive hike for 2026 isn't the news many households wanted to hear.

While the RBA is focused on cooling inflation, we are focused on you. If you’re feeling the pinch or wondering how this impacts your monthly repayments, now is the time to be proactive. You don’t have to navigate these changes alone.

How we can help:
✅ Review your current rate: Is your lender still competitive?
✅ Repayment health check: We can model exactly what your new totals will look like.
✅ Explore your options: From refinancing to restructuring, there are often ways to offset these increases.

Don’t wait for your bank statement to arrive. Reach out to Ben and the PPT Lending team today for a no-obligation chat about your home or business finance.

📞 Ballarat: (03) 5331 3711
🌐 Visit us: www.ppt.com.au/service/lending-services/

06/03/2026

Cash rates are moving and many borrowers are reassessing their loan structures and future plans.

A rate rise can influence:

• Monthly repayments
• Borrowing capacity
• Decisions around fixed versus variable loans
• Refinancing opportunities

In a changing lending environment, it pays to stay proactive rather than reactive. Reviewing your loan now could help ensure it still suits your goals, whether that’s managing cash flow, planning your next purchase, or building a property portfolio.

PPT Lending is here to help you navigate your options and make informed decisions. Get in touch to discuss your lending strategy.

24/02/2026

With the RBA cash rate remaining high and the possibility of further rate rises ahead, many borrowers are reassessing how their home loans are structured.

Splitting your loan between fixed and variable rates can offer a balance of certainty and flexibility, helping protect part of your repayments while still allowing you to benefit if variable rates ease, or make extra repayments along the way.

It’s not about timing the market, but creating a lending strategy that suits your cash flow and goals.

If the recent rate rise has prompted you to review your loan structure, our team is here to help.

17/02/2026

We’re officially on Google!

Finding the right loan just got even easier. PPT Lending now has a Google Business Profile!

Whether you need a home loan or business finance, you can now find our latest hours, location, and updates in one click.

Have we helped you lately? We’d love your support! Please leave us a review to help other locals find the lending advice they need.

Find us here: https://share.google/IyyuxyYnuPC4DO3NT

04/02/2026

From February 2026, APRA will introduce limits on how many high debt-to-income home loans banks can approve. This could affect borrowing capacity for some buyers — particularly investors and higher-income earners.

While many borrowers won’t see immediate changes, lending standards are becoming more conservative. Forward planning and smart loan structuring will be increasingly important.

If you’re buying, refinancing or investing, PPT Lending can help you understand what APRA’s changes mean for you and how to position yourself ahead of time. Get in touch to discuss your options.

Address

20 Lydiard Street South
Ballarat, VIC
3220

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.ppt.com.au/

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