Robinson Finance

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Finance and Mortgage Broker - Home loans, Refinancing, Car loans, Business loans

💙 Specialist in First‑Home Buyers
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Servicing Australia-wide

The RBA left the cash rate on hold at 4.35% this week — the second hold in a row after three hikes earlier this year.Goo...
13/08/2026

The RBA left the cash rate on hold at 4.35% this week — the second hold in a row after three hikes earlier this year.

Good news? Rates aren't going up. But here's the part the banks don't lead with: a hold from the RBA doesn't automatically mean a good deal for you. Your bank sets its own rate, and plenty of existing customers are still sitting on pricing from six or twelve months ago that's higher than what new customers get.

Governor Michele Bullock was clear that inflation is still too high, so the board isn't done watching. Don't expect a cut just yet — they're saying inflation isn't expected back on target until late 2027.

If you haven't checked your rate against what's actually available since the last hike, now's a good time.

Drop a comment or book a free chat

This is general information only — speak to a qualified broker for advice specific to your situation.

You really only need to be dialled in on three things to get your home loan approved.Number one — a clean, explainable s...
06/08/2026

You really only need to be dialled in on three things to get your home loan approved.

Number one — a clean, explainable set of bank statements. Inconsistent numbers are the number one reason files stall with a lender.

Number two — a genuine savings pattern, because lenders want proof you can manage money before they hand over hundreds of thousands of dollars.

Number three — knowing your actual borrowing capacity before you apply, not guessing. One hard knock-back can sit on your file and make the next lender nervous too.

Get those three right and consistent for long enough, and there's no reason you won't get there.

Want to check where you stand on all three? Book a chat

This is general information only — speak to a qualified broker for advice specific to your situation.

Want to save an extra few thousand this year without touching a calculator? Here's the simplest habit that does it.Round...
05/08/2026

Want to save an extra few thousand this year without touching a calculator? Here's the simplest habit that does it.

Round-up saving. Set your everyday account to round every purchase up to the nearest $5 and sweep the difference into your deposit savings automatically. I'm not going to tell you to cut out every coffee — that's not realistic for most people, and it's not what builds a deposit long term.

It's small, but it's automatic, which is exactly why it works when other plans fall apart after a few weeks.

Set it up this week — it's a non-negotiable one.

Follow for more simple steps like this one.

This is general information only — speak to a qualified broker for advice specific to your situation.

If you're applying for a home loan and have no idea what your bank statements need to look like, here's what a strong fi...
04/08/2026

If you're applying for a home loan and have no idea what your bank statements need to look like, here's what a strong file actually looks like.

It doesn't need to be perfect, and you don't need to stop living your life for three months. Your salary landing on the same date each cycle matters more than the amount. Rent or board coming out on time, every time, is some of the strongest proof you can service a mortgage.

Anything that looks like a big irregular withdrawal or a BNPL late fee gets flagged every time — swap it for a visible, regular savings transfer, even $50 a week. That's what genuine savings actually means to a bank.

For all of that, you don't need a spotless file — just a believable one. No secret formula, just consistency they can see.

Want your file checked before you apply? Send it over and we'll have a look.

This is general information only — speak to a qualified broker for advice specific to your situation.

Here's exactly how I'd save my first deposit if I was starting from zero today.First — don't tell everyone you're saving...
03/08/2026

Here's exactly how I'd save my first deposit if I was starting from zero today.

First — don't tell everyone you're saving to buy. Sounds harsh, but well-meaning family and mates will talk you out of it before you've even started. If you've decided you're doing this, do it quietly.

Second — your income. If your job doesn't give you enough to save properly, look at what else you can pick up, even temporarily. Then track everything you spend for one month and split it into fixed costs (rent, insurance, car) and everything else — that's where the real savings usually hide.

Work out what you can actually afford in repayments — usually no more than 30% of your income — and that tells you your price range and your deposit target.

Want help mapping this out for your situation? Message us.

This is general information only — speak to a qualified broker for advice specific to your situation.

Are you still working out your borrowing capacity on a bank's online calculator? I've helped clients get finance-ready h...
02/08/2026

Are you still working out your borrowing capacity on a bank's online calculator? I've helped clients get finance-ready hundreds of times, and I've never once relied on one of those.

Every client gets their real numbers before we even talk to a lender. That's because free online calculators don't account for how different lenders actually assess your situation — they're a rough guide at best.

We run your income, expenses and existing debts through a proper lending calculator that reflects real servicing rules across 30+ lenders. That means no wasted applications, and no unnecessary credit enquiries hurting your file along the way.

Want your real borrowing power checked properly? Book a free chat

This is general information only — speak to a qualified broker for advice specific to your situation.

Five things I would not do as a mortgage broker.🏠Apply for pre-approval before checking your credit file — a missed phon...
01/08/2026

Five things I would not do as a mortgage broker.

🏠Apply for pre-approval before checking your credit file — a missed phone bill payment from two years ago can quietly tank your approval odds.

🏠Treat a comparison site rate as gospel — they're built to get clicks, not approvals, and I see the gap between advertised and actual rates every week.

🏠Fix a whole loan for five years "just to be safe" — that's a strategy, not a default, and it can cost you flexibility when a better deal shows up.

🏠Sign with the first lender your bank branch offers — branch staff can only sell their own products, not compare 30+ others.

🏠And go guarantor for someone without getting your own advice first — you're taking on their risk on top of yours.

Follow for more tips!

This is general information only — speak to a qualified broker for advice specific to your situation.

The only reason my clients get approved faster than most comes down to how every file is prepped before it goes anywhere...
31/07/2026

The only reason my clients get approved faster than most comes down to how every file is prepped before it goes anywhere near a lender.

Three months of clean bank statements — no BNPL, no unexplained cash deposits, no overdrawn days. Payslips and income statements lined up to match exactly what the lender's calculator expects, because inconsistent numbers are the number one reason files stall.

Most declines actually aren't about income — they're about presentation. When files are submitted this way, approval times drop from weeks to days.

Follow along for more tips!

This is general information only — speak to a qualified broker for advice specific to your situation.

There are things quietly damaging your borrowing power without you even realising it.Buy-now-pay-later is one — even if ...
29/07/2026

There are things quietly damaging your borrowing power without you even realising it.

Buy-now-pay-later is one — even if you pay it off every time. Banks count the full limit against you, not your balance, so a $2k Afterpay limit can knock tens of thousands off what you can borrow. We've seen a client's borrowing capacity jump after closing BNPL accounts.

Multiple credit card applications in a short window don't help either — each enquiry makes lenders nervous, even if you were never approved. And closing old accounts you don't use can actually lower your score right when you need it strongest.

Want us to check your file before you apply? Drop a comment or DM us.

This is general information only — speak to a qualified broker for advice specific to your situation.

You wouldn't be stuck on a rate 1.5% higher than everyone else if you'd had your loan reviewed in the last 12 months.You...
29/07/2026

You wouldn't be stuck on a rate 1.5% higher than everyone else if you'd had your loan reviewed in the last 12 months.

You wouldn't get knocked back by the bank if you'd checked your serviceability before house hunting — or be stressing about settlement if your pre-approval was done properly instead of a quick online guess.

Skipping the prep work doesn't save you time. It just moves the pain to a worse moment — usually right before you're meant to exchange.

Want it done properly the first time? Book a chat — link in bio.

This is general information only — speak to a qualified broker for advice specific to your situation.

Address

Bendigo, VIC
3550

Telephone

+61417151999

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