My Mortgage Butler

16/06/2026

Rates held today. Your bank is counting on you doing nothing.

A hold from the RBA sounds like a non-event. For your bank, it's the best news going. It means the rate you're on stays exactly where it is, and they're betting you won't check it.

Rates are high, and they've been high for a while. If you settled your loan two or more years ago and haven't looked since, you're likely paying the loyalty tax. That's the quiet gap between what new clients get and what you've been left on.

On a $600,000 loan, half a percent can be more than $3,000 a year.

Nobody from the bank is going to ring you about it.

We compare 40+ lenders and review loans annually for life. The check takes about 15 minutes.

Has your home loan been reviewed in the last 12 months? Comment 'REVIEW' and we'll take a look.

16/06/2026

Proud coach moment from our broker - Terence! 🦉⚽️

Seeing our Canungra Owls U6 team featured in the Canungra Times is something special. Watching these kids grow in confidence, learn teamwork, and have fun each week has been incredibly rewarding.

Well done to all our little Owls, their families, and everyone who makes junior football possible. 💚💛

11/06/2026

Sell first or buy first? Most next home buyers get stuck right here.

There's a third option most people have never been walked through. A Home to Home Loan lets you hold both properties for a short window and buy without selling under pressure.

Not for everyone, the numbers have to work for your situation.

DM us to map out yours.

26/02/2026

🏠 Is Your Mortgage Still the Right Fit? With the financial landscape shifting, "setting and forgetting" your home loan could be a costly mistake. Here is why reviewing your Home Loan as soon as possible is a must:

📉 The Reality of Rising Rates
The Big Banks and the RBA are signalling that further rate rises are on the horizon. If you are currently on a variable rate or your fixed term is nearing its end, your monthly repayments are likely headed up.

🍞 The Inflation Squeeze
It’s not just interest rates—inflation is driving up the Minimum Benchmark Expenses. Lenders are now assuming it costs more for you to live, which directly impacts their math when they look at your finances.

🛑 Shrinking Borrowing Capacity
As rates and living costs climb, borrowing capacity is reducing, particularly for owner-occupiers. What you could qualify for now might not be possible six months from now. Acting sooner rather than later helps you be assessed when your capacity is at its peak.

Summary: With trends changing and Australia heading into a period with potentially increasing rates again, it is better to be proactive and arrange a home loan review before you feel the squeeze

My Mortgage Butler offers free, complimentary home loan reviews, which can include finding you a more competitive lender and providing advice on restructuring your debts to ensure you make everything as affordable as possible

Call now to connect with business.

03/02/2026

It’s official: 3.85% 📊
The RBA has increased the cash rate again.
Stay informed. Stay prepared.
A home loan review could make all the difference.

19/01/2026

Every review represents a family, a first home, a fresh start, or a new chapter. Thank you to everyone who has trusted us with one of life’s biggest decisions. Grateful for the journey so far—can’t wait to see what 2026 brings!

25/08/2025

BIG NEWS FOR FIRST HOME BUYERS

🏡 Home Guarantee Scheme – Major Changes from October 1, 2025

The Australian Government is rolling out sweeping reforms to the Home Guarantee Scheme, aimed at making home ownership more accessible for first-time buyers. Here's a breakdown of what’s changing:

🔓 Expanded Access
- No caps on places: All eligible first home buyers can apply—no annual limits.
- No income limits: High-income earners are now eligible, removing previous thresholds ($125K for singles, $200K for couples).

📈 Increased Property Price Caps

- QLD: Major Areas increased to $1,000,000 from $700,000.
- QLD: Regional Areas increase to $700,000 from $550,000.

*For a comprehensive list of changes see: https://www.housingaustralia.gov.au/media/unlimited-places-higher-property-price-caps-first-home-buyers-1-october-2025

🏦 In case you missed the previous changes, there are heaps more borrower options:

- All Permanent Residents are eligible (Australian Citizenship not required)
- Two Applicants can apply together regardless of whether they are a couple (E.G, Friends, Siblings, & Much More)
- You may be eligible if you have owned property in Australia as long as it wasn't in the last 10 years.

***This is a change a lot of first home buyers have been waiting for, you only have 4-5 weeks to get yourself ready if you want to beat the crowd, send us a message if you want to learn more***

Call now to connect with business.

11/07/2025

Happy Birthday to other half in business 😝 POV to when Terence was the big boss 😂😂

01/12/2024

You know you spend too much time together when you show up matching to a PJ movie night 🤦‍♂️

21/11/2024

We love it when our clients talk about us to their neighbours. Thank you Glen and Emma for your kind review.

And thank you to our clients for telling them to get in touch.

If you're not sure if refinancing could be worthwhile for you, check out our refinance feasibility calculator and find out how much you could potentially save on your mortgage.

https://mymortgagebutler.com.au/refinance-feasibility-calculator/