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01/11/2026

"Money may not be the most important thing in the world, but it affects everything that is." That line from Rich Dad Poor Dad has stuck with me for years, and the older I get, the truer it feels.

There's a certain pride in saying money doesn't matter to you. It sounds grounded. It sounds like your priorities are in the right place. But when you sit with it honestly, the things you care about most, your family, your health, your time, the opportunities you can give your kids, are all shaped by your financial situation whether you want them to be or not.

Money decides how much stress you carry into the weekend. Whether you can afford the specialist appointment without thinking twice. Whether your kids get the school, the tutor, the opportunity that changes their trajectory. Whether you can take a week off when a parent gets sick without checking the account balance first.

Pretending money doesn't matter doesn't insulate you from any of that. It just means you're not paying attention to something that's shaping the outcomes anyway.

The flip side is that getting your financial situation sorted isn't about being greedy or materialistic. It's about being in a position where the things that actually matter to you aren't quietly limited by the things you never got around to organising.

If you've been putting off the financial side of things because it feels overwhelming or lower priority, this is your nudge.

28/10/2026

The government's brought in these changes to help first home buyers, but a lot of the younger generation actually want to invest first, not buy their own home. The 5% deposit scheme sounds great, but plenty of people don't have the borrowing capacity to make it work.

With the new negative gearing rules pushing investors toward house and land, it's a shift more than a stop. The conversations I'm having with clients, accountants, planners, and buyers agents right now are all about how to adjust the strategy, not whether to keep going.

26/10/2026

🚨 ANOTHER INTEREST RATE RISE ON MELBOURNE CUP DAY?

In just ONE week, market expectations of another RBA rate rise jumped from 16% to 62%! 📈

Why? Inflation is proving harder to bring under control than expected.

But here’s where things get interesting…

Treasurer Jim Chalmers has flagged a downgrade to Australia’s economic growth forecasts, while unemployment has risen to 4.7%.

So we’re now facing a difficult situation:

📉 Economic growth is slowing
📈 Unemployment is rising
🔥 Inflation remains stubborn
🏦 Yet another interest rate rise could be around the corner.

The RBA has a tough decision ahead. Raise rates to tackle inflation or hold steady to avoid putting even more pressure on Australian households.

What do you think? Has the RBA done enough, or is another rate rise necessary? 👇

Market expectations are not guarantees and can change daily. Figures reflect pricing between 15 and 22 October.

MortgageBroker PropertyMarket HomeLoans

25/10/2026

Five things a mortgage broker wouldn't do with their own mortgage. Most people are doing at least one of them right now without realising it.

Interest only for investment properties, always. The instinct is to pay debt down as fast as possible, but with an investment property the goal is to hold it cheaply while it appreciates. Principal repayments on investment debt reduce your tax deductible position and eat into cashflow you could be using to buy the next property. Save the principal reduction for the debt that isn't deductible.

Don't cross-collateralise your properties. When your home and investment property sit under one loan facility, everything looks tidy on paper. Then you want to sell one, or refinance one, or release equity from one, and suddenly the bank has a say over both. Keeping owner occupied debt and investment debt in separate loans is cleaner at tax time and keeps your future options open.

Cheapest rate isn't the same as best loan. No frills loans with cash back offers are marketed hard because they lock people into products that don't do much. A loan without an offset, without the ability to split or fix a portion, without proper flexibility, will cost you far more over time than the rate saving ever gains you.

No loyalty to lenders. Banks reward new customers and quietly leave existing ones on higher rates. Reviewing your loan every two or three years, and being willing to move when the numbers say so, is one of the simplest wins available.

The big one. Never pull equity from an investment property to pay down your home loan. It sounds efficient, but it contaminates your debt structure and can kill the tax deductibility of that borrowed money. The ATO looks at purpose, not the property the loan is secured against. Get this one wrong and it's an expensive mistake to unwind.

If you're not sure whether your current setup is working for you or against you, send us a message and we'll take a look.

21/10/2026

True or false round on the negative gearing changes. There's a fair bit of confusion floating around, especially with knockdown rebuilds, new builds, and what happens when you refinance.

18/10/2026

Four signs it's probably time to look at refinancing.

Any one of these on its own is worth a conversation. More than one and it's usually well overdue.

15/10/2026

Australia’s unemployment rate has reached 4.7%, its highest level in nearly five years.

Today’s ABS figures revealed:
📉 Employment fell by 39,300 people.
📈 Unemployment increased to 4.7%.
📊 The labour market is showing signs of slowing.

So what does this mean for mortgage holders? 🏡
The RBA has been battling persistent inflation, but rising unemployment adds another challenge.

A weakening labour market could reduce the pressure for further interest rate rises, as the RBA needs to balance inflation against employment and economic growth.
However, with inflation still above the RBA’s target, a rate cut is far from guaranteed.

The big question now: Will rising unemployment be enough to keep interest rates on hold?

All eyes are on the next inflation figures and the RBA’s November decision.

💜 The Lenders Club — Keeping you informed on everything lending.

AustralianEconomy HomeLoans PropertyMarket

14/10/2026

The best outcomes happen when your accountant and broker actually talk to each other. Accountants focus on reducing tax, brokers focus on helping you access finance, and sometimes those two things pull in opposite directions.

I've seen business owners save tax for years and then find out they've quietly limited their borrowing capacity when a property opportunity comes up. A quick conversation before the end of financial year can save a lot of headaches.

11/10/2026

A few more property strategies rated out of 10.

09/10/2026

🚨 Bad credit doesn’t automatically mean NO home loan!

Late repayments, missed payments or even defaults on your credit report can impact your ability to borrow — but they don’t always mean you can’t get approved.

We recently helped a client with impaired credit refinance from 7.89% to 6.09%, saving them thousands in interest! 💰

The key? Understanding the credit history, choosing the right lender and knowing how to present the application.

📩 Worried about your credit history? Reach out to The Lenders Club to explore your options.

Refinancing MortgageTips

Address

Suite 410, 2-8 Brookhollow Avenue
Baulkham Hills, NSW
2153

Website

http://www.lendersclub.com.au/

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