Harji Sandhu - Eversharp Finance

Harji Sandhu - Eversharp Finance We'll find the right loan for your perfect home. We have access to over 30 lenders to help you achieve your finance goals.

10/02/2026

After keeping rates steady in November, the Reserve Bank of Australia (RBA) has increased the cash rate by 25 basis points to 3.85% today.

Inflation, which had eased from its 2022 peak, picked up again in the second half of 2025. The RBA says this partly reflects stronger household spending, investment and housing activity, alongside ongoing pressure in the labour market.

While back in November it seemed as though rates could stay stable for a while, the momentum in the economy has meant the RBA judged a rate rise was necessary. They’ll continue watching domestic and global trends closely to guide future decisions.

It’s disappointing news for borrowers. Households hoping for more relief as cost-of-living pressures continue, will feel the impact, depending on the size of the increase the Banks choose to pass on.

What this may mean for your mortgage if banks pass on the full rate:
▪️$500,000 loan: $80 extra per month
▪️$750,000 loan: $120 extra per month
▪️$1,000,000 loan: $160 extra per month
(These figures assume a starting rate of 5.76%)

Changes like this can feel a little challenging, but we are always here to fight to find you the right rate so you can sit back and relax.

02/11/2025

🏡 What makes up the dream Australian home these days? 🏡⁣
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Backyards or bedrooms – what home features matter most? 🤔⁣
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A survey by Compare the Market shows Australians put multiple bedrooms (39%) at the top of their must have list, followed by decent air con/heating (37%) and a backyard (25%).⁣
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But it’s the other end of the list that was a real surprise for us. 😮⁣
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Only 7% of Australians really want a backyard pool.⁣
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Other less desirable features include a balcony (8%), full-size laundry (6%) and a carport (5%).⁣
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What matters is that you sort the ‘must-haves’ from the non-essentials for your ideal home. ⁣
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Talk to us to fine-tune your home-buying budget with the loan that matches your needs. 👇⁣
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To find out more, DM or contact Harji on:

☎️ – 0433 659 159
💻 – [email protected]

31/10/2025

😅 Is COMO the new FOMO? 😅⁣
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CoreLogic says home prices could rise 5.8% nationally over the year ahead.⁣
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That’s seeing home buyer FOMO (fear of missing out) evolve into COMO (compromise or miss out), according to Domain.⁣
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A little compromise can sometimes pay off. 🤝⁣
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Opting for an apartment rather than a house, looking a little further out than your preferred suburb, or maybe compromising on the number of bedrooms, could help you find an affordable home that ticks most of your goals. ✅⁣
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It’s about connection, not perfection.⁣
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Call us to find out your borrowing power. It can be the starting point to finding your next home. 👇⁣
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To find out more, DM or contact Harji on:

☎️ – 0433 659 159
💻 – [email protected]

26/09/2025

🏡 Built up some equity in your home? 🏡⁣
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You may be able to use it to invest in a rental property.⁣
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Generally, your 'useable equity' is 80% of the value of your home, minus your home loan balance.⁣
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Here’s another solution: skip the number-crunching and DM us.⁣
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We can explain how much you could borrow without all the complex calculations. 👇⁣
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To find out more, DM or contact Harji on:

☎️ – 0433 659 159
💻 – [email protected]

🐶 The price of loyalty has doubled 🐶⁣⁣Get this: the average monthly home loan repayment amount has almost doubled in the...
24/09/2025

🐶 The price of loyalty has doubled 🐶⁣
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Get this: the average monthly home loan repayment amount has almost doubled in the last ten years.⁣
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It's gone up from $2,214 in 2015 to $4,383 in 2025, in no small part due to rising property values. 📈⁣
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Similarly, the potential interest savings on refinancing has more than doubled to $373 per month, according to Mozo.⁣
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That’s a potential saving of $4,400 each year - just from switching to a new lender.⁣
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Contact us to find out if you could save on interest each month. 👇⁣
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To find out more, DM or contact Harji on:

☎️ – 0433 659 159
💻 – [email protected]

19/09/2025

💪 Are you ready for this spring property season? 💪⁣
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Give yourself a competitive edge over other buyers this spring with three simple steps. 👇⁣
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✅ Talk to us to know your borrowing power. ⁣
✅ Consider home loan pre-approval. ⁣
✅ Build a team of experts so you can move fast.⁣
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DM us to start building your team of experts today. 👇⁣
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To find out more, DM or contact Harji on:

☎️ – 0433 659 159
💻 – [email protected]

📚 Good news for university grads buying their first home 📚⁣⁣Some banks are beginning to overlook student debt in their b...
17/09/2025

📚 Good news for university grads buying their first home 📚⁣
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Some banks are beginning to overlook student debt in their borrowing capacity calculations.⁣
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CommBank is excluding HELP debt if you can pay off the balance within 12 months, and apply a lower buffer for those due to repay within five years.⁣
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NAB, meanwhile, says student debt below $20,000 won’t affect borrowing power. 💪⁣
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More lenders are expected to come on board. ⁣
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Contact us to find out if your borrowing power may have changed. 👇⁣
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To find out more, DM or contact Harji on:

☎️ – 0433 659 159
💻 – [email protected]

💪 Why it might be time to revisit your borrowing power 💪⁣⁣A lot has happened since you might've last checked how much yo...
15/09/2025

💪 Why it might be time to revisit your borrowing power 💪⁣
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A lot has happened since you might've last checked how much you could borrow, including:⁣
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✅ Interest rates have fallen⁣
✅ Stage 3 tax cuts have kicked in⁣
✅ Wages are up (have you got a pay rise?)⁣
✅ Lenders can now overlook HECS-HELP debts.⁣
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Long story short, your borrowing power may now be higher than it was in the past.⁣
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Get in touch to find out if your borrowing power has changed. 👇⁣
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To find out more, DM or contact Harji on:

☎️ – 0433 659 159
💻 – [email protected]

12/09/2025

😍 Seen an attractive home loan rate elsewhere? 😍⁣
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While it's possible to refinance at any time, there could be extra costs and fees you're not factoring in.⁣
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That’s why it’s worth giving us a call.⁣
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We can also let you know if there's any handy home loan features you might miss out on.⁣
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DM us to find out more. 👇⁣
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To find out more, DM or contact Harji on:

☎️ – 0433 659 159
💻 – [email protected]

🙃 2 in 5 first homebuyers face unexpected costs 🙃⁣⁣As a first home buyer, it’s easy to focus on your deposit.⁣⁣But that’...
10/09/2025

🙃 2 in 5 first homebuyers face unexpected costs 🙃⁣
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As a first home buyer, it’s easy to focus on your deposit.⁣
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But that’s not all you need. 😅⁣
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Upfront costs like stamp duty, solicitor fees, insurances, and building and pest inspections can add up fast. 😅⁣
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A Finder survey shows 2 in 5 first-time buyers can fail to budget for these additional costs.⁣
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Yet, on average, they add up to $5,290. 😬⁣
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Could your budget handle the extra costs?⁣
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Call us to find out everything you need to plan for when buying a home. It can help you plan ahead with confidence. 💪⁣
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To find out more, DM or contact Harji on:

☎️ – 0433 659 159
💻 – [email protected]

Address

891 South Western Highway
Byford, WA
6122

Telephone

+61433659159

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