PPM Finance

28/04/2026

Settlement day can feel like a blur but it’s far less stressful when you know what’s happening behind the scenes.

I’ve put together a practical guide covering:

- what should be confirmed before settlement day
- what actually happens during electronic settlement (PEXA)
- simple fraud-prevention steps to protect your funds

Read it here:

Learn how to refinance your home loan in Melbourne with the support of PPM Finance.

24/04/2026

🏠 3 signs it might be time to review your home loan

Most people don’t refinance because nothing feels “wrong”.
But often, that’s exactly when it should be reviewed.

Here are three simple signs to watch for:

𝟏. 𝐈𝐭’𝐬 𝐛𝐞𝐞𝐧 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝟐 𝐲𝐞𝐚𝐫𝐬 𝐬𝐢𝐧𝐜𝐞 𝐲𝐨𝐮𝐫 𝐥𝐚𝐬𝐭 𝐫𝐞𝐯𝐢𝐞𝐰
Lenders change rates and policies regularly — your loan may no longer be competitive.

𝟐. 𝐘𝐨𝐮𝐫 𝐜𝐢𝐫𝐜𝐮𝐦𝐬𝐭𝐚𝐧𝐜𝐞𝐬 𝐡𝐚𝐯𝐞 𝐜𝐡𝐚𝐧𝐠𝐞𝐝
Income, expenses, family, or future plans — your loan should evolve with you.

𝟑. 𝐘𝐨𝐮’𝐯𝐞 𝐧𝐞𝐯𝐞𝐫 𝐜𝐨𝐦𝐩𝐚𝐫𝐞𝐝 𝐲𝐨𝐮𝐫 𝐫𝐚𝐭𝐞
Many borrowers don’t realise how their rate stacks up until they check.

A quick review can provide clarity and identify whether there’s an opportunity to improve your position.

Start here 👉 https://smpl.is/aignf

— Ashley Blyth
PPM Finance

𝐺𝑒𝑛𝑒𝑟𝑎𝑙 𝑖𝑛𝑓𝑜𝑟𝑚𝑎𝑡𝑖𝑜𝑛 𝑜𝑛𝑙𝑦. 𝑁𝑜𝑡 𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝑎𝑑𝑣𝑖𝑐𝑒.

20/04/2026

📉 Waiting for rate cuts? You might be waiting too long.

Here’s the reality:

Even when rates fall, lenders don’t always pass it on —
and they rarely do it equally.

Which means doing nothing can cost you.

The better approach?

Review your loan now and take control of the outcome.

That might mean:
✔ A sharper rate
✔ A better structure
✔ Or simply knowing you’re not overpaying

Either way — you’re making an informed decision.

Start here 👉 https://smpl.is/aignb

— Ashley Blyth
PPM Finance

𝐺𝑒𝑛𝑒𝑟𝑎𝑙 𝑖𝑛𝑓𝑜𝑟𝑚𝑎𝑡𝑖𝑜𝑛 𝑜𝑛𝑙𝑦. 𝑁𝑜𝑡 𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝑎𝑑𝑣𝑖𝑐𝑒.

16/04/2026

💡 Refinancing isn’t about chasing the lowest rate. It’s about control.

Over time, things change:
Your income.
Your goals.
Your debt position.

But most loans? They stay exactly the same.

That’s where the problem starts.

A proper review isn’t just about rate — it’s about:
✔ Structuring your lending correctly
✔ Improving cash flow
✔ Positioning you for what’s next

This is where good advice makes a difference.

If your loan hasn’t been looked at in a while, it’s worth revisiting.

👉 https://smpl.is/aign6

— Ashley Blyth
PPM Finance

𝐺𝑒𝑛𝑒𝑟𝑎𝑙 𝑖𝑛𝑓𝑜𝑟𝑚𝑎𝑡𝑖𝑜𝑛 𝑜𝑛𝑙𝑦. 𝑁𝑜𝑡 𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝑎𝑑𝑣𝑖𝑐𝑒.

10/04/2026

🏠 You’re probably paying more than you need to on your home loan.

Not because you made a bad decision —
but because you haven’t reviewed it recently.

Most lenders don’t reward loyalty. In fact, the longer you stay, the more likely your rate drifts.

I see it every week.

A quick review can tell you:
✔ How your rate compares today
✔ Whether you’re paying a “loyalty tax”
✔ If there’s an easy win sitting there

No guesswork. Just clarity.

Start here 👉 https://smpl.is/aign3

— Ashley Blyth
PPM Finance

𝐺𝑒𝑛𝑒𝑟𝑎𝑙 𝑖𝑛𝑓𝑜𝑟𝑚𝑎𝑡𝑖𝑜𝑛 𝑜𝑛𝑙𝑦. 𝑁𝑜𝑡 𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝑎𝑑𝑣𝑖𝑐𝑒.

30/03/2026

🏆 DAVID BLYTH TURNS BACK THE CLOCK AT THE VICTORIAN MASTERS!

What a week for 91 years young Blind Golfer David Blyth. After some solid lead in form at his home club Sandringham Golf Club, David and his caddie Gary took the beautiful yet challenging Rosebud Golf Course (South) by storm.

With a two-day Stableford score of 80 points, David, a fully blind B1 golfer, showed the field that neither age nor sight is any barrier to enjoying - and competing in - the game of golf.

David has been instrumental in the growth of blind golf worldwide and his win this week was very popular. He is a former President of the International Blind Golf Association, a former President of Blind Golf Australia and a life member of both organisations.

Along with Ron Anderson (WA), David helped build the foundation of blind golf as we know it today and he continues to inspire.

A well-deserved and very popular win. It was also a proud moment to be there and watch him collect the trophy.

👏 Congratulations, Dad - another incredible achievement.

🎥 Catch the interview with President Darren Solley here: https://smpl.is/aio7c

19/01/2026

📉 Could consolidating your debts reduce your monthly repayments?

If you’re managing multiple loans — credit cards, personal loans, car finance or other commitments — combining them into one structured repayment may offer clearer budgeting and potentially lower monthly outgoings.

You can check your estimated savings in less than 60 seconds here:
👉 https://smpl.is/aeyoe

If you’d also like to compare your home loan against today’s market, here’s a quick refinance check:
👉 https://smpl.is/aeyod

A few minutes could give you a clearer picture of your options.

— Ashley Blyth
PPM Finance, Brunswick

General information only. Individual results may vary. Not financial advice.

16/01/2026

🤝 Why relationships still matter - even in a digital world.

This recent AFR article highlights something we see every day: face-to-face relationships remain a powerful growth engine, even as everything moves online.

The same principle applies to home loans.

A mortgage isn’t a one-off transaction. Rates change. Life changes. Lender policies change. And the person you spoke to at a bank today may not be there tomorrow.

Working with a mortgage broker isn’t about clicking a rate online. It’s about forming an ongoing relationship with someone who understands your circumstances, advocates for you over time and reviews your loan as the market moves.

Digital tools are useful, But long-term outcomes are built on trust, continuity and relationships.

Not just transactions, but authentic human connection - that’s how we work at PPM Finance.
Book your 15 Min Mortgage Makeover here https://smpl.is/agigg

https://smpl.is/agigf

Even as digital commerce becomes the dominant way business is done globally, face-to-face events and trade shows are nevertheless growing, driven by people’s need for authentic human connection. The industry is not just recovering post-pandemic; it is fundamentally transforming.

15/01/2026

💡 Not sure if debt consolidation or refinancing is right for you?

Many Melbourne households are exploring ways to simplify their finances and reduce monthly outgoings. Using a quick calculation can help you see whether either option could make a meaningful difference.

You can check your potential savings in under a minute here:
👉 Debt Consolidation: https://smpl.is/aeyo6

👉 Refinance Savings: https://smpl.is/aeyo7

A clear view of your numbers can help you make the next decision with confidence.

— Ashley Blyth
PPM Finance, Brunswick

General information only. Individual results may vary. Not financial advice.

12/01/2026

🏠 Feeling the pressure of rising repayments in Melbourne?

If your mortgage or personal debts are tightening your monthly budget, now is a good time to check whether consolidating your debts could reduce your repayments.

A quick calculation may help you understand:
✔ Whether combining debts into one repayment could ease monthly cash flow
✔ How your current loan compares against today’s options
✔ The potential impact on your household budget

Use the calculator here to see your estimated savings:
👉 https://smpl.is/aeyo3

If you prefer a conversation, feel free to reach out anytime.

— Ashley Blyth
PPM Finance, Brunswick