Davies Home Loans

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.

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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.

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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.

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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.

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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.

12/03/2025

🏡 Stop Overpaying on Your Home Loan! 🏡
If you are not already with Davies Home loans and enjoying our free ongoing review service, did you know that with interest rates dropping, you could be saving thousands of dollars by refinancing your home loan? Many homeowners stick with their current bank out of convenience, but here's the truth: your loyalty could be costing you big time.

Banks often reserve their best rates for new customers, leaving existing ones paying more than they should. By shopping around, you can find better deals that could lower your monthly repayments or help you pay off your loan faster. Refinancing also gives you the chance to access features like offset accounts or redraw facilities, which can save you even more in the long run.

💡 Why refinance now?
• Interest rates have recently dropped, making it the perfect time to check if your lender is still competitive.
• You could reduce your monthly repayments and free up cash for other goals.
• Switching lenders is easier than ever, with a few still offering cashback incentives to sweeten the deal.

Don't let your hard-earned money slip away. Take control of your finances and explore your refinancing options today. Your future self will thank you! Call us today 1300396220.

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06/03/2025

We hope everyone is staying safe during this severe weather in the Gold Coast and Northern Rivers areas. In events like this where our homes and properties are at risk of damage, it can bring with it a lot of uncertainty, and we wanted to let you know we’re here to support you.

In the event your property is damaged in the cyclone, and if it results in you or tenants having to move into temporary accommodation, your lender will have a hardship option in place considering this natural disaster. This will be very similar to what they did during Covid restrictions with repayments suspended for a period, and we anticipate that like then, they won’t let us act on your behalf. So, if the event arises we recommended you contact them direct as the first step and then we will do our best to help with any necessary next steps.

We look forward to staying connected with you and hope you all have a safe weekend.

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04/03/2025

Refinancing your home loan could be the game-changer you need! A niche lender is now offering rates under 5%, and many others around 5.5%! It's the perfect opportunity to save money and lower your monthly payments. Don’t let this chance slip by—your dream home is closer than you think.

If you need more information or have any questions, just reach out! Let's make 2025 the year of smart financial moves.

Contact us now to avoid giving your lender anymore than they deserve. 1300 396 220.

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12/02/2025

We have always helped our customers by monitoring their loan, chasing a better rate year after year and suggesting refinancing when significant savings can be made. With the assitance of Sherlok Rate Tracker, we are now opening this to anyone that is keen to access this service, whether you did your loan with us or somewhere else. We are offering to monitor your loan free of charge and alert you if we find significant savings. Sign up now. https://customer.sherlok.com.au/ratetraker/signup-link/01JH4M5T7W3V8ZDN4DWW96B0BX

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14/01/2025

🗓️ New Year, New Home! 🏡

Is your New Year’s resolution to finally become a homeowner or to find your dream property? 🏠🎉 Let’s make it happen together!

At Davies Home Loans, we're here to help you turn those dreams into reality. Whether you're looking to buy your first home, upgrade to a larger space, or invest in property, our expert team is ready to guide you every step of the way.

Why Choose Us?

📊 Customised Home Loan Solutions: We understand that everybody is unique. We’ll find the mortgage that fits your needs.

💼 Experienced Team: Our team has years of experience and a track record of helping clients secure their dream homes and ongoing loan reviews.

🤝 Personalized Service: We’re here to listen to your goals and provide the support you need.

Take Action on Your Resolutions:

✨ Step 1: Contact us for a free consultation.

✨ Step 2: We’ll review your financial situation and home loan options.

✨ Step 3: Start house hunting with confidence, knowing you have the right mortgage solution in place.

Make this year unforgettable by taking the first step toward your property goals. Don’t let your resolutions fade away—contact us today and let’s make your homeownership dreams a reality!

📞 Call us at: 1300 396 220 📧 Email us at: [email protected] 🌐 Visit our website:

Are you looking to buy a new home? Our mortgage broker based on the Northern Rivers NSW & Gold Coast can help you find a competitive home loan.