Allan Underwood, Lead Lending & Finance

09/04/2026

🚨 SCAM ALERT: Bank Impersonation on the Rise

There’s a growing wave of scams hitting Aussies right now, and they’re getting scarily convincing.

Recent reports show scammers are now posing as banks, brokers, and financial institutions, often using stolen personal info to sound completely legitimate. 
👉 They might:
• Call or email pretending to be your bank
• Claim there’s an urgent issue with your account
• Ask you to “secure” your money by transferring it
• Direct you to fake websites or phone numbers

And it’s working… Australians lost over $2 billion to scams last year, with impersonation and phishing playing a big role. 

⚠️ Key reminder (for everyone):
Your bank or broker will never ask you to:
• Transfer money to a “safe” account
• Share passwords, PINs, or codes
• Give remote access to your device

💡 What to do if something feels off:
• Stop immediately
• Don’t click links or act under pressure
• Call your bank or broker directly (using official details)

As brokers, we’re also seeing scammers impersonate us, so if you ever get a message or call that doesn’t feel right, reach out directly.

Better to double-check than learn the hard way.

Stay sharp out there 👊

27/03/2026

There’s something seriously satisfying about a good before & after 🙌

I absolutely love seeing the transformations clients create with their homes. Taking an older place, adding your own flavour, and turning it into something that truly feels like yours — that’s what it’s all about.

Some of the changes I’ve seen lately have been incredible. It’s not just about renovating… it’s about creating a space that reflects who you are and how you want to live.

18/03/2026

The RBA has increased the official cash rate again from 3.85% to 4.10%.
For existing borrowers, this will begin to flow through to higher mortgage repayments. For an average variable owner occ home loan;
• a $300k loan ↑ by approx $45 pm
• a $400k loan ↑ by approx $61 pm
• a $500k loan ↑ by approx $76 pm
• a $600k loan ↑ by approx $91 pm
With rates continuing to shift, it’s a good reminder to regularly review not only your rate, but also your lending structures, features, and overall strategy, to ensure everything still aligns with your goals.

For anyone looking to get into the market, this will start to have a bigger impact on borrowing power too.
When running numbers, it’s always worth factoring in a couple more rate rises — just to make sure everything still stacks up.

15/07/2025

🚧 Is Your Website Holding Your Business Back?
Your website should be working for you — not against you.

If it’s slow to load, hard to navigate or not showing up in search, it could be costing you leads and credibility.

👉Ask yourself:
Is your site mobile-friendly?
Can people find what they need quickly?
Does it reflect the quality of your business?
Is it bringing in new inquiries?

Your website should support your business goals — not get in the way of them.

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📞 Book your FREE 30-minute strategy session now.

Or if you’re a NSW business? Find out if you’re eligible for 4 FREE hours of strategy and advice.

👀 www.bealcreative.com.au | 1300 261 152

19/06/2025

Sessions cover any of the following and more: Eligible NSW businesses have access 4 hours of FREE strategy and advice. With locations in Bendigo and Albury, we combine digital marketing and business…

01/04/2025

The Reserve Bank of Australia has kept the cash rate steady at 4.10%, signaling stability for borrowers and homeowners. Will there be a rate drop after the election? Time will tell.
But what does this mean now for you and your home loan?

🏠 Thinking of Buying? Now might be a great time to secure pre-approval and get ahead in the market.

🏡 Already Have a Loan? Has your lender passed on the last rate cut? It could be time to review, or restructure.

Every loan is different, and your best option depends on your goals and circumstances. Let’s chat and make sure your loan works for you, not the other way around!

27/03/2025

💪 Built for Efficiency! 🏡

Big win for our client, Dez of . No more leasing diggers! By financing their own machine, they’ve secured a cost-effective, long-term solution that puts them in control. More savings, more flexibility, and more profit on every job!

Thinking about upgrading your equipment without draining your cash flow? Let’s talk smart financing options 🤙🏼

18/02/2025

The Reserve Bank of Australia has just cut the cash rate by 0.25%, bringing it down to 4.1%! 🙌🏼
This is the first rate cut since 2020—a little relief for mortgage holders 🏡
What does this mean for you?
If you’ve got a variable home loan, keep an eye on your lender—banks are already announcing rate reductions. 📉🔥
Or if you’ve been wanting to get into the market but have been worried about rates, maybe now is a good time for a chat 🤙🏼

14/12/2024

💰 RBA Holds Cash Rate Steady Again
As we head into Christmas, the RBA has once again decided to leave the cash rate unchanged. This aligns with market expectations and marks over a year since the last rate adjustment.

But just because the cash rate isn’t moving doesn’t mean your home loan rate should stay the same!
We recently helped some clients reduce their rate from 7.05% to 6.14%—and they didn’t even switch lenders. They’d been with their bank for years and hadn’t reviewed their loan because they were comfortably making the repayments.
While cheaper rates are available elsewhere, sticking with their current lender makes sense for these clients’ goals and overall financial plan.

When was the last time you reviewed your loan? A quick check could save you thousands!

11/11/2024

05/11/2024

The RBA has kept the cash rate steady at 4.35% on Melbourne Cup day, opting not to ease the squeeze on borrowers before Christmas.
So, what does this mean for you?
With no rate relief expected until 2025, it’s a good time to stay on top of your finances, and to revisit your financial strategies before the new year.

When was the last time you reviewed the structure of your loans and how they’ll impact on your goals for 2025?