JLM Finance

29/09/2026

📈 The RBA has increased the cash rate again.

The Reserve Bank of Australia has today increased the official cash rate by 0.25%, taking it from 4.35% to 4.60%.

For anyone with a home loan, the next question is likely to be:

What does this mean for me?

If you have a variable home loan, your lender may increase your interest rate following today's announcement. How much your repayments change will depend on your lender, loan balance and how much of the increase they choose to pass on.

While another rate rise isn't the news any homeowner wants to hear, it does make now a good time to check whether your current home loan is still working for you.

It could be worth looking at:

🏡 The interest rate you're currently paying
💰 What your repayments may look like after any lender changes
🔄 Whether there are more competitive options available
💵 Whether refinancing actually makes financial sense once costs are considered
⚙️ Whether your current loan structure and features still suit you

And importantly, refinancing isn't always the answer.

Sometimes the best option is staying exactly where you are. If that's the case, I'll tell you that too.

If you haven't reviewed your home loan for a while and you're wondering how today's rate rise may affect you, feel free to get in touch.

📞 Give Jedd a call on 0458 979 134 or send us a message for an obligation-free Home Loan Health Check.

Let's make sure your home loan is still working for you

16/09/2026

🏡 When was the last time you gave your home loan a health check?

Life changes... and sometimes your home loan should too.

Whether you've been in your loan for 6 months or 6 years, it's worth checking whether your current home loan is still the right fit for your needs. A quick Home Loan Health Check with Jedd could uncover opportunities to potentially reduce your repayments, access better loan features, or simply make sure your loan is still working for you.

Have you been putting off that kitchen renovation, new shed, landscaping project or family holiday because of higher interest rates?

A simple conversation could uncover options you didn't know were available—including the potential for a more competitive interest rate or access to equity to help bring those plans to life.

The best part? It's quick, obligation-free, and if refinancing isn't the right move for you, we'll tell you that too.

📞 Give Jedd a call on 0458 979 134 and let's see if your home loan is still working for you—or whether there may be a better option to suit your current needs.

A simple conversation today could make a real difference tomorrow.

10/09/2026

🏡 Thinking about buying a home or investment property? Start with a Pre-Approval.

Before you spend your weekends scrolling through listings or attending open homes, it's worth having a good understanding of your budget.

A Home Loan Pre-Approval can give you a clearer understanding of how much you may be able to borrow, so you can focus on properties within your price range. It takes some of the guesswork out of house hunting and helps you avoid falling in love with a property that's outside your budget.

But that's not all...

✅ Understand your potential borrowing capacity before you start looking.
✅ Shop with confidence, knowing your likely budget.
✅ Show sellers you've already taken the first step with your finance.
✅ A Pre-Approval may strengthen your negotiating position.
✅ It can help make the finance process smoother once you've found the right property.

Whether you're buying your first home, upgrading, downsizing or adding to your investment portfolio, a Pre-Approval is a great first step.

📞 Chat with Jedd today on 0458 979 134 to discuss your options and get your Pre-Approval underway.

Your dream property starts with knowing what's possible. 🏠✨

08/09/2026

🏡 Thinking about refinancing? It might be easier than you think!

If you've had the same home loan for years, it could be time to ask yourself one simple question...

Is my home loan still working for me?

A lot can change over time:
💰 Your financial goals evolve.
📈 Interest rates move.
🏠 Your property's value changes.
✨ New loan features become available.

Refinancing could help you:
✔️ Potentially reduce your repayments.
✔️ Access equity for renovations or your next investment.
✔️ Consolidate existing debts.
✔️ Switch to a loan that's better suited to your lifestyle and financial goals.

The best part? Jedd takes care of all the hard work!

Here's how the refinancing process usually works:

1️⃣ Reach out for a chat.
2️⃣ Review your current home loan.
3️⃣ Arrange a valuation of your property (if required).
4️⃣ Compare lenders and loan options.
5️⃣ Prepare and submit your paperwork.
6️⃣ Apply for your new home loan.
7️⃣ Finalise the switch to your new lender.
8️⃣ Celebrate! 🎉

We'll guide you through every step of the process.

Whether you're looking to save money, unlock equity, or simply make sure you're on the right loan for your situation, we're here to help you every step of the way.

📞 Give Jedd a call on 0458 979 134 for an obligation-free chat and let's see what refinancing could do for you.

A home loan that's better suited to your needs could be just one conversation away.

24/04/2026

This ANZAC Day, we pause to remember and honour the courage, sacrifice and service of all who have served our country.

Lest We Forget 🤍

24/04/2026

Happy Friday 🎉

The sun's out and the weekend is calling - sounds like the perfect excuse to check out a few open homes 🏡

What's bringing you through the door this weekend?
👀 Just browsing for fun
💭 Dreaming about that first home
📊 On the hunt for your next investment
🔑 Ready to make a move

No matter where you're at in the journey, we're curious - what's your goal right now?

Let us know in the comments 👇🏼 and enjoy the beautiful weather while you're at it 🌞

04/04/2026

Happy Easter from all of us at JLM Finance 🐣💛
We hope your weekend is filled with family, fun, and maybe a little too much chocolate 🍫

Thank you for being part of our journey!

🐰

26/08/2025

20/05/2025

💥 BOOM — Rates Just Dropped Again!

The RBA has cut the cash rate by another 0.25%, bringing it down to 3.85% — and yep, that’s a big deal.
Here’s why:
💸 You might be able to borrow more
📈 You’ve got more wiggle room when shopping for a home
📉 And those repayments? Looking a little lighter

Not sure what it means for you?
That’s what I’m here for.

A quick call (that costs you nothing) could put you in a better spot than you think.
📞 Give Jedd a buzz – no pressure, just a chat.

11/05/2025

🎉 Congratulations to our Mother’s Day Giveaway Winner! 💐
A big shoutout to .a.mumma.of.girls – we hope you enjoy your well-deserved pamper pack! 🛍️✨

Thank you to everyone who entered, both our long-time legends and new faces – we loved having you along for the ride 💛
Keep your eyes peeled… our next giveaway is just around the corner 👀🎁