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Five stars for Brad, and a lovely note from Benjamin to go with it.Getting a home loan across the line involves a lot mo...
15/10/2026

Five stars for Brad, and a lovely note from Benjamin to go with it.

Getting a home loan across the line involves a lot more than the application. There's the chasing, the follow-ups, and the quiet work of making sure nothing sits on someone's desk longer than it should. Most people never see that part. They just notice when it's done well.

Benjamin noticed. He said Brad went above and beyond to get the best possible outcome, was prompt, and followed up every opportunity along the way.

Thank you, Benjamin, for trusting us with your home loan. We'll be here when you're ready for the next one 🦁

It was a goooooood shot though ⛳️
12/10/2026

It was a goooooood shot though ⛳️

Were you shopping for a fixed rate in September? You might have noticed the price moved before the RBA did.Canstar repor...
08/10/2026

Were you shopping for a fixed rate in September? You might have noticed the price moved before the RBA did.

Canstar reported that 13 lenders, including three of the big four banks, lifted their fixed rates in September ahead of the RBA's decision. Then on 29 September, the RBA raised the cash rate to 4.60 per cent, its fourth increase this year.

So how did the banks see it coming? Banks have economists and treasury teams tracking the same data the RBA watches, from inflation to jobs to what global markets are doing. Fixed rates are priced on where those teams expect rates to head.

A variable rate follows the cash rate as it moves. A fixed rate is a promise about the future, so the bank works out today what it will cost to fund your loan for the next one, two or five years. When the market expects rates to rise, fixed rates climb ahead of the official move.

Which means the fixed rate you're quoted today already has the market's forecast baked in. Fixing won't get you in ahead of a rise the market has already seen coming.

So why fix at all? Certainty. You know exactly what your repayments will be for the fixed term, which is handy when rates keep moving.

The trade-off is flexibility. Most fixed loans cap how much extra you can repay, many don't come with a full offset account, and getting out early can mean break costs. When the term ends, the loan rolls onto a variable rate unless you refix.

Variable gives you that flexibility back. Extra repayments, offset accounts and an easier path to refinance. The catch is your repayments move every time rates do, up or down.

There's also a middle ground. A split loan lets you fix part and keep part variable, so you get some certainty and some wiggle room.

Already on a fixed rate? The recent rises won't touch your repayments until your term ends. Pop your fixed expiry date in the calendar now so it doesn't sneak up on you.

Neither option wins every time. The right fit comes down to your cash flow, how long you plan to keep the loan, and how much you value knowing your number each month 🦁

Would you buy a house with a sibling or your best mate?More first home buyers are teaming up with family or friends to g...
05/10/2026

Would you buy a house with a sibling or your best mate?

More first home buyers are teaming up with family or friends to get into the market. Two incomes and two deposits can mean a bigger budget and a foot in the door sooner.

It can work really well, with a bit of planning up front.

You're each responsible for the whole loan. If one person can't pay, the others cover the full repayment.

Put the what-ifs in writing. Who pays for what, and what happens if someone wants to sell, meets a partner or moves away. A co-ownership agreement feels awkward to write and a lot less awkward than arguing about it later.

Check your eligibility together. Friends and family can apply jointly for the Australian Government 5% Deposit Scheme, but every applicant has to meet the criteria. If one of you has owned property before, that can change things.

Get the plan sorted before the keys arrive, and you'll still be on speaking terms at Christmas.

Reach out if you need help going through the numbers 🦁

Four rate rises in one year is a lot for any household budget to absorb, so we'll start with what Tuesday's rise means f...
01/10/2026

Four rate rises in one year is a lot for any household budget to absorb, so we'll start with what Tuesday's rise means for you.

The Reserve Bank of Australia lifted the cash rate by 0.25% to 4.60%.

If you're on a variable rate, expect your repayments to go up. Most lenders pass rises on, though timing varies, so keep an eye out for a letter or email confirming your new repayment.

If you're buying, your borrowing power may have shifted since your last pre-approval. Check where it sits before you start making offers.

If you're on a fixed rate, nothing changes until your fixed term ends. Just know when that date is so the new rate doesn't catch you off guard.

As for why it keeps happening, inflation is sitting stubbornly above where the RBA wants it. Trimmed mean inflation (the RBA's preferred measure) held at 3.6% in the 12 months to July, according to the Australian Bureau of Statistics. The target band is 2 to 3%.

RBA Deputy Governor Andrew Hauser pointed to three pressures pushing prices up : the conflict in the Middle East, the global AI boom, and an Australian economy that can't supply as much as expected. Governor Michele Bullock was blunter, telling parliament "inflation is too high." The Board's concern is that the longer inflation hangs around, the more it gets baked into how businesses set prices and wages.

We know it's a lot. A quick look at your rate, your repayments and your buffer can make the next few months feel far more manageable 🦁

Turns out pendant lights are a bigger commitment than anything else I've signed my name to 🤷🏻
28/09/2026

Turns out pendant lights are a bigger commitment than anything else I've signed my name to 🤷🏻

A couple of years of staying in the loop, questions answered on time, and a portfolio that's grown because of it.That's ...
24/09/2026

A couple of years of staying in the loop, questions answered on time, and a portfolio that's grown because of it.

That's the relationship Subra has built with the Mane team, and it's exactly the kind of feedback that makes this job worthwhile. Being kept informed and knowing someone's on top of things matters just as much as the numbers.

Thank you Subra for the five stars and the kind words 🦁

A year ago, electric vehicles made up 1 in 13 new cars sold in Australia. In June, it was nearly 1 in 4.June was the big...
21/09/2026

A year ago, electric vehicles made up 1 in 13 new cars sold in Australia. In June, it was nearly 1 in 4.

June was the biggest new car sales month the country has ever recorded, and EVs did a lot of the heavy lifting. Rising petrol prices and a bit of global uncertainty have pushed a lot of buyers to look at alternatives, and the shift is looking less like a trend and more like a permanent change in what Australians are choosing to drive.

Does that number surprise you? It caught our attention, one in four is a big jump from one in thirteen, and it happened in the space of a year.

If you're in the market for a new car, we're curious where you land. Is electric genuinely on the list, or are you team "I'll stick with what I know for now"? 🦁

If buying property through your super was ever part of your plan, that plan just got smaller.The federal government has ...
17/09/2026

If buying property through your super was ever part of your plan, that plan just got smaller.

The federal government has changed the rules for self-managed super funds. SMSFs can still buy residential property outright using existing super balances, but they can no longer borrow to purchase it. Borrowing to buy commercial property through an SMSF is still allowed.

The government says the change protects people from taking on unnecessary risk with their retirement savings. Critics say it's shut down a strategy some investors have used to build long-term wealth.

One strategy's changed. Plenty of others haven't :

> Investing in residential property outside super
> Investing in commercial property through an SMSF
> Contributing more to super
> Building a diversified portfolio of shares or managed investments
> Paying down debt and building equity over time

Different strategies suit different goals, timeframes and circumstances. We'd recommend having a chat with your accountant about which of these makes sense for your situation 🦁

Waterproof gear exists for a reason 🤪
14/09/2026

Waterproof gear exists for a reason 🤪

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Brisbane, QLD
4000

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