Moneygenie Finance

03/11/2026

🚨 RBA Rate Update: What today’s hike means for you 🚨

The RBA has just announced another interest rate hike, lifting the official cash rate by 0.25% to 4.85% marking it's fifth rise this year.

Here is a quick look at how this impacts your financial plans:

🏠 Existing Homeowners: Your monthly repayments are likely to increase soon. Don't just accept the hike—let’s review your loan to see if renegotiating or refinancing can keep your costs down.

🔑 Hopeful Buyers: Rate hikes reduce your maximum borrowing capacity. If you have a pre-approval or are actively house hunting, let's re-run your numbers so you know exactly what you can afford before making an offer.

At MoneyGenie Finance, we compare options across 35+ lenders to find a solution that actually works for your situation.

If you want to understand how today's change affects you, let’s have a quick, no-obligation chat!

💬 Send us a message today
📞 Call us on 040 110 1608
🌐 moneygenie.com.au

📍 Based in Baulkham Hills, helping borrowers Australia-wide.

20/10/2026

विजया दशमी २०८३ को हार्दिक मंगलमय शुभकामना 🙏

Wishing all my clients, referral partners and well-wishers a very happy Bijaya Dashami. May Mata Durga bless you and your family with good health, happiness and prosperity.

Thank you for trusting me with one of the biggest steps in your life. If you or someone you know is dreaming of a first home, I'm always happy to have a chat.

📞 0401 101 608
🌐 moneygenie.com.au

29/09/2026

This afternoon the Reserve Bank lifted the cash rate by 0.25%, from 4.35% to 4.60%. This is the fourth rise this year, and we know many of you are feeling the pressure.

If you have a variable rate loan, your bank will most likely raise your rate in the next few weeks. On a $500,000 loan, that's roughly $80 more each month. If you're on a fixed rate, your repayments won't change until your fixed period ends.

The good news? You have options.

Your bank is not the only lender out there. Many people are paying more than they need to simply because they've never checked. A quick review of your loan could:

✅ Find you a lower rate with another lender
✅ Reduce your monthly repayments
✅ Help you feel more confident about your repayments

If you're feeling worried, please don't wait until it becomes stressful. We're here to help, and a chat with us costs you nothing.

📞 040 110 1608
🌐 www.moneygenie.com.au

MoneyGenie Finance. Making home loans simple.

05/08/2026

🏠 Attention First Home Buyers 🏠

Buying your first home can feel overwhelming, especially if you're new to how lending works. Here are a few tips that can make the journey a lot smoother:

👉Know your borrowing power early Before you start looking at properties, get a clear idea of how much you can borrow. This saves time and stops you falling in love with a home that's out of reach.

👉Save for more than just the deposit On top of your deposit, you'll need money for stamp duty, legal fees, and other costs. Many first home buyers forget this and get caught out.

👉Check if you qualify for government help Schemes like the First Home Guarantee can help you buy with a smaller deposit and avoid Lenders Mortgage Insurance. Not everyone knows they're eligible, so it's worth checking.

👉Don't assume you'll be rejected If a big bank has said no, that doesn't mean you're out of options. There are many lenders out there, and the right one depends on your situation.

👉Get your paperwork ready early Pay slips, bank statements, and ID all take time to gather. Having these ready speeds up your application and reduces stress.

👉Ask questions, no matter how small The Australian lending system can be confusing, especially if English isn't your first language. A good broker will take the time to explain everything clearly, so you feel confident every step of the way.

If you're thinking about buying your first home and don't know where to start, send me a message. I'm here to make the process simple and stress free for you. 📞 040 110 1608

24/06/2026

After the tax reform and negative gearing changes announced on 12 May 2026, Another big change coming for SMSF property loans.

If you have a Self-Managed Super Fund or have been thinking about setting one up to buy property, here's something important to know.

The government has agreed to stop SMSFs from taking out new loans to buy residential property, starting from 1 July 2027. This type of loan is called a Limited Recourse Borrowing Arrangement (LRBA), and it's how many SMSFs have been able to buy property using borrowed funds.

The good news: if you already have one of these loans set up, you're not affected. This change only applies to new arrangements going forward.

If you've been considering using your SMSF to buy a property, you now have a window of time to look into it before the rules change. I'm happy to walk you through whether this could work for you and what your options are.

Send us a message or give a call to chat about it.📞 040 110 1608

05/05/2026

📢 Interest Rate Update – May 5, 2026

The Reserve Bank of Australia has increased the cash rate today.

I know headlines like this can feel worrying, especially if you have a mortgage or are thinking about buying. The main reason behind this decision is ongoing inflation — Middle East conflicts have contributed significantly and higher rates are used to help bring that under control.

💬 What this means for you:

If you already have a loan, your repayments may increase depending on your lender.
If you're looking to buy, it might affect how much you can borrow — but opportunities are still very much out there.

Rate changes are a normal part of the economic cycle. We’ve seen them before, and they don’t last forever.

If you’re unsure how this affects you, feel free to reach out. I’m here to help you understand your options and make confident decisions.

23/03/2026

08/03/2026

Happy International Women's Day! 🌸

This day is a good reminder to talk about something important financial awareness for women in our community.

In many Nepalese households, men take the lead on finances. There is nothing wrong with that. But women understanding and being part of financial decisions makes the whole family stronger and more secure.

Start with one small step today. Ask a question. Join a conversation. You deserve to know. 💛

As a mortgage broker from our own community, my door is always open for any questions, big or small.

03/02/2026

The Reserve Bank of Australia has increased the official cash rate by 0.25% today. This means repayments may increase for people on variable home loans.

If you’re feeling worried, overwhelmed, or just unsure what this means for your mortgage, you’re not alone.

The good news is there may still be ways to reduce the impact — like checking your current rate or seeing if a better option is available.

If you’d like a quick, no-pressure check of your home loan, I’m happy to help.

📞 0401 101 608

23/12/2025

🎄✨ Merry Christmas & Happy New Year! ✨🎄

As we are about to wrap up another year, I want to sincerely thank my valued clients, families, friends and referral partners for your trust, support, and continued partnership.

Wishing you and your loved ones a joyful festive season and a prosperous, successful New Year ahead.