Davies Home Loans

25/08/2026

One of the positives to come out of the Government changes to housing, is that lenders are seeing a downturn in loan applications of approx 20% and they are now desperate for customers. I expect that we will soon see a return of the cash back offers to encourage people to change banks and some interest rate discounting for new customers.

We recomend everyone should contact their bank and tell them that you have a mortgage broker that has found 5.88% rate (they hate it when customer have access to mortgage brokers, even if you dont actually use a mortgage broker), and ask them to match it. You may not get as low as that but they will usually offer something. Take what they offer and contact us if you want to refinance anyway.

For our customers we are already doing this for you so sit back and relax.

If you need help doing this or have an urgent need to get a lower rate, call us today. 1300 396 220

Send a message to learn more

06/08/2026

Some good news. Whilst the Federal Budget made people stop and think about property purchasing the slow down means lenders are getting about 17% less customers than the same time last year. To encourage people back they are starting to offer incentives with special lower rates, fee waivers and a relaxation of rules to open eligibility.
For example casual workers typically needed to be 6 months in their curent job to qualify, but one lender will recognise past casual work for of six months even if you just changed jobs and only have 2 payslips.
Want to find out what options you have for your situation? Call us today 1300 396 220

12/05/2026

Federal Budget 2026 – What it means for homeowners & investors
Last night’s Federal Budget (12 May) delivered some of the biggest property changes we’ve seen in years — here’s what it means for you:

Owner-occupiers / future buyers

Greater focus on helping Australians into homes, with policies aimed at supporting around 75,000 additional homeowners over the next decade. Noting the target is a total of 1.2 million new homes this is a change of 0.6% increase per year, which is negligable.

Increased investment in housing supply and infrastructure to support new developments.

Continued support to schemes mean low-deposit buying options are still available

Property investors

Major changes to negative gearing — moving forward, tax benefits will largely be limited to new builds.

The 50% capital gains tax discount will be replaced, with a minimum 30% tax on gains from 2027.

Existing properties are generally grandfathered, so current owners aren’t impacted immediately.

What this means in real terms

Potentially less competition from investors for established homes, but with the current housing shortages and high growth, this is unlikely to happen immediately.
Greater incentive to build or invest in new property
Lending strategy and structure will be more important than ever

My take:

This is a significant shift designed to level the playing field between buyers and investors — but it also creates opportunities if you plan correctly.

If you’re wondering whether to buy now, how this affects your investment strategy, or whether your current loan is still right for you, feel free to reach out for a chat.

14/04/2026

We are seeing a large number of lenders increasing fixed rates significantly which indicates that their assessment is for multiple future rates rises. We encourage all our customers that want predictability to for budgeting to reach out to your current lender and see what's on offer and if this suits your objectives.

Regretfully the speed at which rates are changing means a refinance is unlikely to complete before rates change, effectively making your current lender a more assured option.

What we know today;
The following have fixed rates going up approx 0.4% at midnight tonight;
* Teacher Mutual
* UniBank
* Health Professionals
* Firefighters Mutual

Going up approx 0.3% tomorrow midnight;
* People's First Bank (Peoples Choice)
* BCU Bank
* QLD Country Bank

To lock in a rate call your lender direct before rates rise and ask them to confirm they will honor today's rate, you may need to pay a rate lock fee with some lenders.

Please note that most lendes don't warn us, so acting now may save grief later.

We hope this informations helps.

Send a message to learn more

17/03/2026

An earlier than anticpated rate rise due to the war in the Middle East will no doubt cause household to reduce discretionary spending and focus on essential costs. With talk of two more rises possible this year, many borrowers are considering locking in a fixed rate to provide predictability in repayments for the future.

We offer a free service to check the competitiveness of home loans, via the following Rate Tracker link.

10/02/2026

📣 Exciting News from Davies Home Loans!

We’re thrilled to welcome Cavell Brewer Charles to the Davies Home Loans team as our newest Mortgage Broker! 🎉

Cavell brings a strong passion for helping clients achieve their home ownership goals, backed by a commitment to clear guidance, genuine support, and smart lending solutions. His client first approach and drive to deliver exceptional outcomes make him a perfect fit for our growing team.

Please join us in congratulating Cavell on his new role — we’re excited for the value he’ll bring to our clients, our partners, and the Davies Home Loans community.

Welcome aboard, Cavell! 🏡✨
Here’s to new beginnings and shared success.

Send a message to learn more

26/11/2025

More data is appearing that indicates inflation rising and rate cuts becoming more unlikely. Whilst there are no indications the Reserve bank will increase rates, for those nervous people or those at the limit of their budget, now might be a good time to check out fixed rates. There are a few lenders with 4.89% for 2yr fixed and then 3yr fixed from 4.99%, 4 & 5yr fixed rates from 5.24% (all lenders have varrying comparison rates worth checking before a decision). A phone call to your lender to find out what they will offer is a good start and most lenders let you change to a fixed rate over the phone. If your lender is not competitive, a change in the New year is a great option and we are happy to help start this process now.

Send a message to learn more

12/08/2025

The Reserve Bank of Australia (RBA) has today reduced the official cash rate by 0.25 percentage points, a move widely anticipated by economists and market watchers. The current cash rate now sits at 3.60%.

This decision follows several key indicators pointing to a cooling economy and easing inflationary pressures for the June 2025 quarter:
• Inflation: The RBA's preferred measures show trimmed mean inflation at 2.7% and headline CPI at 2.1%, both within the Bank's 2-3% target band.
• Employment: Unemployment edged up to 4.3%, indicating a slightly softer labour market.

Together, these indicators suggest economic momentum is slowing, giving the RBA room to adjust policy in support of sustainable growth while keeping inflation within target.

Today's decision highlights the importance of staying up to date and understanding how these changes may affect your current loan, future borrowing plans, or investment opportunities.

If you'd like to discuss what today's decision means for your situation, don't hesitate to get in touch.

Send a message to learn more

16/06/2025

The Adviser reports The big four bank has revised its cash rate expectations, forecasting two cuts this year and a further two in early 2026.

Westpac has changed its interest rate expectations and is now predicting more cash rate reductions by the central bank in this rate-easing cycle.

According to Westpac’s revised forecasts, there will be rate cuts in August and November this year, before a further two cuts are made in early 2026.

The major still foresees the Reserve Bank of Australia (RBA) to hold rates in July, but make 25-bp cuts in August and November, but has changed its forecast for next year due to what it described as a “lower inflation outlook”.

Explaining the change to its forecast, Westpac chief economist Luci Ellis said: “We have added two more 25bp cuts in early 2026 (February and May), though they could be earlier (December and February or February and March) if inflation and the labour market turn out weaker late in 2025 than we currently expect.

“That would mean RBA cash rate will bottom out at 2.85 per cent, from a peak of 4.35 per cent, and 3.85 per cent currently. We regard the cash rate at 2.85 per cent as being at the lower end of the ‘neutral range’.”

At Davies Home Loans we usually see bank rates 1.5 to 1.8% higher than the cash rate, so 4.35% home loan rate is possible by mid next year.