Bishnu Adhikari -Mortgage Specialist

04/11/2026

🏠 YOUR BANK RAISED YOUR INTEREST RATE? DON'T JUST ACCEPT IT!

Here's some GOOD NEWS for Australian homeowners.

Even when interest rates are rising, you may still be able to negotiate a lower rate on your existing mortgage.

And you don't always need to refinance!

HERE ARE 3 THINGS YOU CAN DO TODAY:

✅ 1. Check your current rate.
Open your banking app and find out exactly what interest rate you're paying.

✅ 2. Ask for a pricing review.
Call your lender and request a review by its mortgage retention or pricing team. Ask whether a further discount is available.

✅ 3. Compare your options.
If your bank isn't competitive, speak with a mortgage broker to review suitable alternatives.

💰 WHY DOES IT MATTER?

A small rate reduction could make a meaningful difference over the life of your home loan.

But remember, refinancing involves more than interest rates. Fees, loan features and the remaining loan term matter too.

💬 I'M CURIOUS:

Have you ever called your bank and asked for a lower interest rate?

Did they give you one?

Let me know in the comments!

📩 DM "RATE" for a home loan review.

📞 0400 77 77 55
🌐 www.azurehomeloans.com.au

Bishnu Adhikari
Mortgage Broker | Azure Home Loans
Helping clients Australia-wide.

General information only. Interest rate discounts and savings are not guaranteed. Eligibility, fees, terms and lending criteria apply. CRN 538895 • ACL 390261.

03/11/2026

31/10/2026

🚨🏡 AUSTRALIAN PROPERTY MARKET — WHAT'S GOING ON?

Auction clearance rates are well below this time last year across five major cities! 📉

📊 WEEK ENDING 31 OCTOBER 2026

🏙️ Melbourne: 56% (was 63%)
🌉 Sydney: 48% (was 68%)
🏛️ Canberra: 41% (was 61%)
🌇 Adelaide: 32% (was 70%)
☀️ Brisbane: 19% (was 60%)

That's a significant change in auction activity compared with the same period last year.

💡 WHAT DOES THIS MEAN FOR BUYERS?

✅ Potentially more opportunities to negotiate
✅ Some sellers may be more flexible
✅ A good reason to get your finance organised before making an offer

But remember, lower auction clearance rates don't automatically mean house prices are falling.

🏡 Thinking about buying your first home, upgrading or investing?

Let's review your borrowing capacity and get you ready before you make your next move.

👇 WHICH CITY ARE YOU BUYING IN? MELBOURNE, SYDNEY, BRISBANE OR SOMEWHERE ELSE?

📞 0400 77 77 55
🌐 www.azurehomeloans.com.au
📧 [email protected]

Source: Domain Auction Results, 31 October 2026. Preliminary data, subject to revision. Year-on-year comparisons are percentage-point differences.

Azure Home Loans Pty Ltd | ABN 77 676 207 131
Credit Representative 538895 | Authorised under ACL 390261
General information only, not personal financial advice. Lending criteria, eligibility and T&Cs apply. All loans subject to lender approval.

29/10/2026

🏡 BUYING YOUR FIRST HOME? YOU COULD BE NEGOTIATING THE WRONG WAY! 😱

Before making an offer, ask the real estate agent:

❓ Why is the owner selling?
❓ How long has the property been on the market?

These simple questions could reveal valuable information and help you negotiate with more confidence.

💰 The right questions could potentially save you thousands — but only if you know what to ask!

I've prepared a FREE Property Buyer's Questions Checklist covering important questions to ask before making an offer.

👇 COMMENT “QUESTIONS” BELOW AND I'LL SEND YOU A COPY!

Know someone buying a property? Tag them or share this video. 🔁

📞 0400 77 77 55
🌐 azurehomeloans.com.au

Azure Home Loans Pty Ltd
CRN 538895 | Authorised under ACL 390261

General information only. Not personal financial advice. Eligibility, lending criteria and T&Cs apply. Savings are not guaranteed.

24/10/2026

🚨 AUSTRALIA'S PROPERTY MARKET — WHAT IS GOING ON? 🏠📉

Today's auction results are out, and some of these numbers are hard to ignore! 👀

🏡 AUCTION CLEARANCE RATES — 24 OCTOBER 2026

📍 Melbourne: 56% (66% last year) 🔻10 points

📍 Sydney: 44% (70% last year) 🔻26 points

📍 Canberra: 46% (63% last year) 🔻17 points

📍 Adelaide: 29% (74% last year) 🔻45 points

📍 Brisbane: 20% (48% last year) 🔻28 points

😳 Adelaide at just 29% and Brisbane at 20%!

That's a significant change from this time last year.

But here's something worth remembering.

A lower auction clearance rate doesn't automatically mean property prices are falling.

It can indicate buyers are becoming more selective, sellers' expectations aren't matching the market, or properties are taking longer to sell.

💡 WHAT DOES THIS MEAN FOR YOU?

🏠 First Home Buyers: You may have more room to negotiate on some properties.

🔑 Existing Homeowners: Before selling or refinancing, understand your property's current value and your lending options.

📈 Property Investors: Focus on rental returns, borrowing capacity and long-term fundamentals rather than headlines alone.

The property market isn't moving at the same pace everywhere.

Would you buy a property right now, or wait another six months? 🤔

👇 Comment BUY or WAIT — I'd love to hear your thoughts!

📞 0400 777 755
🏡 Azure Home Loans — Helping Australians make informed home loan decisions.

Source: Domain Auction Results, 18–24 October 2026. Preliminary figures as at 24 October and subject to revision. General information only, not financial advice. Lending eligibility and conditions apply.

Bishnu Adhikari | ACR 538895 | Authorised under ACL 390261

23/10/2026

🏡 AUSTRALIAN PROPERTY PRICES: WHICH CITY HAS REALLY PERFORMED BEST?

Some fascinating figures from Cotality show just how differently Australia's capital city property markets have performed.

While several cities are below their previous peaks, the longer-term numbers tell another story.

Property values below their previous peaks:

📉 Sydney: −8.6%

📉 Melbourne: −7.5%

📉 Perth: −6.0%

📉 Brisbane: −5.4%

📉 Adelaide: −2.9%

But look at the growth over the past 10 years:

📈 Brisbane: +105.3%

📈 Adelaide: +104.3%

📈 Perth: +97.6%

📈 Melbourne: +24.3%

📈 Sydney: +39.5%

That's a remarkable difference.

Brisbane and Adelaide have more than doubled in value over the decade, while Melbourne's growth has been considerably slower.

So does that make Melbourne undervalued?

Not necessarily.

Property prices are influenced by interest rates, housing supply, population growth, affordability, local employment and government policies.

Past growth doesn't guarantee future performance, and a market being below its peak doesn't automatically mean it's a bargain.

For first-home buyers, homeowners and investors, the important thing is understanding your borrowing capacity and the costs involved before making a decision.

I'd love to hear your thoughts.

If you were buying an investment property today, which city would you choose?

🏡 Melbourne

🏡 Brisbane

🏡 Perth

🏡 Adelaide

👇 Comment below and tell me why.

📞 For home loan, refinance or investment lending enquiries:

Azure Home Loans — 04 00 77 77 55

Bishnu Adhikari | ACR 538895 | Authorised under ACL 390261

Source: Cotality dwelling-value chart shared in October 2026. Figures reproduced from the supplied chart and not independently verified against the original dataset. Peak declines and 10-year growth refer to different measurement periods.

General information only. Not financial or credit advice. Lending criteria and conditions apply.

23/10/2026

🏦 WILL THE RBA INCREASE INTEREST RATES AGAIN ON MELBOURNE CUP DAY?

This is shaping up to be an important few weeks for Australian homeowners.

The latest employment figures show Australia's unemployment rate has increased to 4.7%, while the number of employed people fell by approximately 39,300 in September.

Normally, a weakening jobs market would make the Reserve Bank more cautious about increasing interest rates.

But there's another side to the story.

Inflation remains too high for comfort.

The RBA increased the cash rate to 4.60% in September, and policymakers remain concerned about persistent inflation.

So the Reserve Bank is now weighing up two risks:

📉 Raising rates further could put additional pressure on employment and household budgets.

🔥 Leaving rates unchanged could allow inflation to remain elevated for longer.

What happens next?

📅 Wednesday, 28 October: The next inflation figures are scheduled for release.

📅 Tuesday, 3 November: The RBA announces its Melbourne Cup Day interest rate decision.

The inflation figures could significantly influence expectations ahead of the meeting.

What would another 0.25% increase mean for your mortgage?

If your lender passes on the full increase, approximate additional monthly repayments could be:

🏡 $500,000 loan — $81 extra

🏡 $750,000 loan — $122 extra

🏡 $1 million loan — $163 extra

These examples assume principal-and-interest repayments over 30 years, with the interest rate increasing from 6.00% to 6.25%.

Of course, actual repayments depend on your loan structure, remaining term and lender.

My message to homeowners: Don't make financial decisions based on a prediction alone. Review your current rate, loan features and refinancing options based on your own circumstances.

💬 What do you think the RBA will do on 3 November — RAISE or HOLD?

I'd be interested to hear your thoughts.

If you'd like to review your existing home loan, feel free to get in touch.

📞 Azure Home Loans — 0400 77 77 55

Bishnu Adhikari | ACR 538895 | Authorised under ACL 390261

General information only. Not financial or credit advice. Rates and repayment examples are illustrative. Lending criteria and conditions apply.

22/10/2026

🏡 RUN YOUR OWN BUSINESS BUT STRUGGLING TO GET A HOME LOAN?

You might be earning good money, running a successful business and still finding it difficult to get finance because your latest tax returns don't reflect your current income.

Here's the good news. 👇

Not every lender assesses self-employed borrowers the same way.

There are alternative-documentation home loan options available, and depending on the lender, income may be assessed using:

✅ Two quarters of BAS

✅ Business bank statements

✅ Accountant's letter

✅ Business sales and expenses

✅ Tax returns or other supporting financial documents

Some lenders may also consider borrowers with shorter ABN trading histories, subject to their individual policies.

Whether you're looking to buy your first home, refinance an existing loan or purchase an investment property, there may be suitable options worth exploring.

One bank saying no doesn't necessarily mean every lender will.

At Azure Home Loans, we can compare different lending options and assess which may suit your circumstances.

📞 Call 0400 77 77 55

💬 Or comment BAS below and let's have a chat.

Bishnu Adhikari | ACR 538895 | Authorised under ACL 390261

General information only. Not financial or credit advice. All lending is subject to eligibility, income verification, serviceability assessment and lender terms and conditions.

18/10/2026

🏡 VICTORIA FIRST HOME BUYERS — BIG STAMP DUTY DIFFERENCE! 💰

🔴 LABOR: $600,000
🔵 LIBERAL–NATIONALS: $1,000,000

Thinking about buying your first home in Victoria? Here's what you need to know about the two different stamp duty policies.

🔴 VICTORIAN LABOR — CURRENT POLICY

✅ NO stamp duty on eligible first homes valued up to $600,000.

✅ Reduced stamp duty on eligible properties valued between $600,001 and $750,000.

✅ Available NOW for eligible first home buyers.

🔵 LIBERAL–NATIONALS — ELECTION COMMITMENT

✅ Proposing to REMOVE stamp duty for eligible first home buyers purchasing properties up to $1 MILLION.

✅ Would cover established homes and off-the-plan properties.

⚠️ This is an election promise, NOT current law. It would need to be implemented before buyers could benefit.

💰 WHAT DOES THIS MEAN FOR YOU?

Under the current rules, an eligible first home buyer purchasing an $800,000 established home would generally pay approximately $43,070 in stamp duty.

If the Liberal–Nationals' proposed $1 million exemption becomes law as announced, that stamp duty could potentially be reduced to $0.

That's a potential saving of $43,070! 🏠

📌 OFFICIAL POLICY LINKS

🔴 Victorian Government / State Revenue Office — Current first home buyer stamp duty exemption and concession:

https://www.sro.vic.gov.au/buying-property/land-transfer-stamp-duty/concessions-exemptions-and-waivers/first-home-buyers/first-home-buyer-duty-exemption-or-concession

🔵 Victorian Liberal–Nationals — Proposed $1 million stamp duty exemption:

https://vicliberal.org.au/policies/2025-05-26-liberals-and-nationals-to-abolish-stamp-duty-for-first-homebuyers

🏡 PLANNING TO BUY YOUR FIRST HOME?

At Azure Home Loans, we can help you understand your borrowing capacity, deposit requirements, available government schemes and potential stamp duty savings.

📞 Call Bishnu — 04 00 77 77 55

💬 Or send us a message with the word FIRST HOME to discuss your options.

Disclaimer: Information current as at 18 October 2026 and provided for general information only. This is a factual comparison, not an endorsement of any political party. The Labor Government's current stamp duty arrangements are in effect, while the Liberal–Nationals' proposed $1 million exemption is an election commitment and is not currently law. The $43,070 example is indicative, based on standard Victorian residential stamp duty rates for an $800,000 property, assuming eligibility and no other applicable concessions or surcharges. Actual duty and eligibility depend on individual circumstances, property details, contract dates and legislation. Lending is subject to lender assessment, eligibility criteria and approval. This information does not constitute financial, legal or tax advice.

Bishnu Adhikari — ACR 538895, authorised under ACL 390261.

17/10/2026

🚨🏡 AUSTRALIA'S PROPERTY AUCTIONS — WHAT IS GOING ON?! 😱📉

Brisbane: Just 17% clearance rate!
Adelaide: Only 30%!

And the comparison with last year is even more surprising! 👀

📊 LATEST AUCTION RESULTS
📅 11–17 October 2026

🇦🇺 PRELIMINARY CLEARANCE RATES

🏛️ CANBERRA — 63% 🟢
Last year: 58% | ⬆️ 5 percentage points

🏙️ MELBOURNE — 53% 🔴
Last year: 69% | ⬇️ 16 percentage points

🌉 SYDNEY — 52% 🔴
Last year: 70% | ⬇️ 18 percentage points

🏘️ ADELAIDE — 30% 🔴
Last year: 74% | ⬇️ 44 percentage points

🌴 BRISBANE — 17% 🔴
Last year: 54% | ⬇️ 37 percentage points

🤯 HERE'S WHAT REALLY STANDS OUT!

Adelaide and Brisbane are showing particularly low preliminary clearance rates, while Sydney and Melbourne are also well below the comparable figures from last year.

💡 WHAT DOES THIS MEAN FOR HOME BUYERS?

🏡 BUYERS: Lower auction clearance rates may indicate less competition at some auctions, potentially creating opportunities to negotiate.

💰 SELLERS: Pricing expectations, presentation and local buyer demand become especially important.

🏦 FIRST-HOME BUYERS: Before attending an auction, understand your borrowing capacity, deposit requirements and finance conditions. Remember, auctions generally involve unconditional contracts.

⚠️ BUT HERE'S THE IMPORTANT PART!

A low auction clearance rate does NOT automatically mean house prices are falling.

These are preliminary results, and the figures can change as more auction outcomes are reported. Each suburb and property type can perform differently.

💙 AZURE HOME LOANS

Planning to buy your first home, refinance or purchase an investment property?

Let's review your home loan options and help you prepare before making an offer.

📞 04 00 77 77 55

📩 DM “HOME LOAN” for a personalised lending discussion.

👇 YOUR TURN!

Do you think Australian property prices will fall, rise or stay steady over the next six months? 📈📉

Tell me your prediction in the comments! 👇🔥

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📊 DATA SOURCE

Auction results for 11–17 October 2026, based on supplied auction-results screenshots, last updated 17 October 2026.

Figures are preliminary, reflect reported auction outcomes at the time of publication and may be revised. Year-on-year comparisons are expressed in percentage points. Results are not necessarily representative of all residential property transactions.

⚖️ IMPORTANT DISCLAIMER

This post provides general information only and does not constitute personal financial, credit, investment, legal or taxation advice. It has not considered your individual objectives, financial situation or needs.

Auction clearance rates do not establish future property price movements. Property markets involve risks, and past performance does not guarantee future results.

All home loans are subject to lender credit assessment, eligibility requirements, applicable fees, terms and conditions. Seek appropriate professional advice before making financial or property decisions.

Bishnu Adhikari | Mortgage Broker
Azure Home Loans Pty Ltd
Australian Credit Representative 538895
Authorised under Australian Credit Licence 390261

📞 04 00 77 77 55