Sam Heavyside Millennial Finance Group

18/03/2026

𝐑𝐁𝐀 𝐚𝐧𝐧𝐨𝐮𝐧𝐜𝐞𝐬 𝐚𝐧𝐨𝐭𝐡𝐞𝐫 𝐫𝐚𝐭𝐞 𝐫𝐢𝐬𝐞 - the cash rate is now sitting at 4.10% 📈

It’s a good time to check in on your loan and make sure it’s still working for you.

Whether it’s reviewing your rate, repayments, or future plans, I’m happy to help.

Send me a message if you’d like to chat.

𝐒𝐚𝐦 𝐇𝐞𝐚𝐯𝐲𝐬𝐢𝐝𝐞
📲 0488 276 486
📨 [email protected]

03/02/2026

𝐓𝐡𝐞 𝐑𝐁𝐀 𝐡𝐚𝐬 𝐥𝐢𝐟𝐭𝐞𝐝 𝐭𝐡𝐞 𝐜𝐚𝐬𝐡 𝐫𝐚𝐭𝐞 𝐛𝐲 𝟎.𝟐𝟓% 𝐭𝐨 𝟑.𝟖𝟓%. 𝐓𝐡𝐞 𝐟𝐢𝐫𝐬𝐭 𝐡𝐢𝐤𝐞 𝐢𝐧 𝐨𝐯𝐞𝐫 𝐭𝐰𝐨 𝐲𝐞𝐚𝐫𝐬. With inflation still above target, this could mean further increases may be on the way in 2026.

💸 What this means for homeowners:
According to Roy Morgan data, around 1.3 million households could feel the pinch, with an extra $115/month on the average $694,000 mortgage. Variable rate borrowers are likely to see repayments rise soon.

🏡 What this means for potential homebuyers:
If property is part of your 2026 plans, now is the time to review your finance options. Knowing what lenders are doing and how rate changes impact repayments can make a big difference in your planning.

I can help you understand the impact of today’s increase, check your loan, and explore options to ensure your mortgage is competitive.

𝐒𝐚𝐦 𝐇𝐞𝐚𝐯𝐲𝐬𝐢𝐝𝐞
📲 0488 276 486
📨 [email protected]

27/10/2025

14/10/2025

Trust lending can offer a range of potential advantages: 🔐

✔ Asset protection – helping safeguard your investments
✔ Tax efficiency – structuring for potential tax benefits
✔ Estate planning – making it easier to manage and pass on wealth

There can be even more benefits, but it’s a complex area. Trust lending usually requires specific paperwork and must meet certain bank policies. That’s where specialised guidance makes all the difference, I can help you understand how it works and whether it could suit your situation.

If you’re curious about trust structures and how they might work for you, let’s have a chat!

01/10/2025

What type of home loan is right for you? 🏡🔎

Choosing a home loan can feel overwhelming, there are so many options and different features out there!

✔ Variable rate – your rate moves up or down with the market, offering flexibility.
✔ Fixed rate – lock in your rate and repayments for certainty and peace of mind.
✔ Split loan – a mix of fixed and variable, so you get the best of both worlds.
✔ Offset account – use your savings to reduce the interest you pay on your loan.
✔ Redraw facility – make extra repayments and access them later if you need.
✔ Interest-only loans – pay only the interest for a set period, but usually at a higher rate.

Every borrower’s needs are different, and the right loan depends on your goals, current situation and future plans.

Reach out to chat about your options, I’ll make sure you’re matched with the loan that’s best for you.

𝐒𝐚𝐦 𝐇𝐞𝐚𝐯𝐲𝐬𝐢𝐝𝐞
📲 0488 276 486
📨 [email protected]

30/09/2025

📢 𝐑𝐁𝐀 𝐀𝐧𝐧𝐨𝐮𝐧𝐜𝐞𝐦𝐞𝐧𝐭

The cash rate remains steady at 3.60% this month.

Inflation is sitting at the top of the RBA’s target range, and while recent rate cuts are welcome, the impact on household budgets will take time to flow through. Property prices also remain competitive, with demand outweighing supply.

Curious about what this means for your situation? I’m here to talk it through, give me a call.

25/09/2025

𝐇𝐨𝐦𝐞 𝐥𝐨𝐚𝐧 𝐝𝐞𝐜𝐥𝐢𝐧𝐞𝐝? ❎

Don’t panic! Getting knocked back for a loan can feel disheartening, but it doesn’t mean the dream of owning your home is over. There are practical steps you can take to turn things around:

𝐔𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝 𝐭𝐡𝐞 𝐑𝐞𝐚𝐬𝐨𝐧. Speak with your lender to find out exactly why your application was declined. (It can make it easier to try fix the issue.)

𝐑𝐞𝐯𝐢𝐞𝐰 𝐘𝐨𝐮𝐫 𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬. Check your credit report for errors and assess your income, expenses, and debts. (I can help you obtain your credit report.)

𝐒𝐞𝐞𝐤 𝐄𝐱𝐩𝐞𝐫𝐭 𝐀𝐝𝐯𝐢𝐜𝐞. I can review your situation and explore flexible lenders.

𝐒𝐚𝐯𝐞 𝐚 𝐋𝐚𝐫𝐠𝐞𝐫 𝐃𝐞𝐩𝐨𝐬𝐢𝐭. A bigger deposit shows stability and may secure better loan terms.

𝐑𝐞𝐝𝐮𝐜𝐞 𝐄𝐱𝐢𝐬𝐭𝐢𝐧𝐠 𝐃𝐞𝐛𝐭𝐬. Lower your debt-to-income ratio by paying off high-interest loans first. (If you aren't sure what this means, I can explain!)

𝐁𝐨𝐨𝐬𝐭 𝐘𝐨𝐮𝐫 𝐂𝐫𝐞𝐝𝐢𝐭 𝐒𝐜𝐨𝐫𝐞. Pay bills on time, avoid new credit, and keep balances low.

𝐈𝐧𝐜𝐫𝐞𝐚𝐬𝐞 𝐈𝐧𝐜𝐨𝐦𝐞 𝐒𝐭𝐚𝐛𝐢𝐥𝐢𝐭𝐲. Consistent employment and extra income streams build lender confidence.

💡 It might sound like a lot, but that’s where I come in, I can break down the jargon, explain what it all means for you, and help map out a path forward.

Remember, a decline is just a setback, not the end. With the right steps (and the right guidance), approval could be closer than you think.

📞 If you’ve been declined and aren’t sure what to do next, give me a call, I can help.

03/09/2025

𝗧𝗶𝗺𝗲 𝘁𝗼 𝗥𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗲? 𝗟𝗲𝘁’𝘀 𝗖𝗵𝗲𝗰𝗸 ⏳

Rates, fees, lender products and policies are always changing, which means your loan might not be working as well as it could.

💰 If you’re ready to review or refinance, get in touch today and let’s make sure you’re getting the best deal possible.

26/08/2025

𝐁𝐢𝐠 𝐧𝐞𝐰𝐬 𝐟𝐨𝐫 𝐟𝐢𝐫𝐬𝐭 𝐡𝐨𝐦𝐞 𝐛𝐮𝐲𝐞𝐫𝐬! 🏡

From 1 October 2025, the Government’s First Home Guarantee Scheme is getting a major revamp and it could make buying your first home much easier:

▪️ 𝙐𝙣𝙡𝙞𝙢𝙞𝙩𝙚𝙙 𝙥𝙡𝙖𝙘𝙚𝙨
▪️ 𝙃𝙞𝙜𝙝𝙚𝙧 𝙥𝙧𝙤𝙥𝙚𝙧𝙩𝙮 𝙥𝙧𝙞𝙘𝙚 𝙘𝙖𝙥𝙨
▪️ 𝙉𝙤 𝙞𝙣𝙘𝙤𝙢𝙚 𝙡𝙞𝙢𝙞𝙩𝙨

This means more people will be eligible, and it’s a huge opportunity if you're looking to get into the market with as little as 5% deposit and no Lenders Mortgage Insurance.

The scheme can be tricky to navigate, so if you’re unsure whether you qualify, how it all works, or what your next steps should be, give me a call. I’ll walk you through it and help you figure out if this is the right move for you.

𝐒𝐚𝐦 𝐇𝐞𝐚𝐯𝐲𝐬𝐢𝐝𝐞
📲 0488 276 486
📨 [email protected]

22/08/2025

The RBA announced the 𝐜𝐚𝐬𝐡 𝐫𝐚𝐭𝐞 𝐜𝐮𝐭 last week and many lenders have already passed it on, while others have confirmed they will soon. 💸

Here’s a short list of lenders taking action, but it’s not a full list.
☑️ Some have already dropped their rates.
⏳ Others have announced they’ll follow soon.

Is your lender one of them? Don't wait to find out, get in touch today and I'll check for you. If your lender hasn't moved yet, I can walk you through your options.

𝐒𝐚𝐦 𝐇𝐞𝐚𝐯𝐲𝐬𝐢𝐝𝐞
📲 0488 276 486
📨 [email protected]

14/08/2025

With the recent RBA rate cut, I’ve been having a lot of conversations with clients about what it means for their loans, repayments, and future plans.

I caught up with Jayden Donaldson from McKean McGregor to dive into what we’re both seeing from the finance side and local property market.

If you’re a homeowner, investor, or looking to buy, this is a great time to check in and reassess your current situation. 🏡💰

Reach out if you'd like to chat about how the rate cut could work in your favour.
𝐒𝐚𝐦 𝐇𝐞𝐚𝐯𝐲𝐬𝐢𝐝𝐞
📲 0488 276 486
📨 [email protected]