Tom Leahey, Oxygen Home Loans

Tom Leahey, Oxygen Home Loans I am your one-stop shop for all things finance related. Home loans, car loans, business loans.

Only a small number of Australians use SMSFs… but they control almost a quarter of all super money.Here’s what the lates...
29/05/2026

Only a small number of Australians use SMSFs… but they control almost a quarter of all super money.
Here’s what the latest stats show:
💰 SMSFs hold 24% of all superannuation assets
🏦 That’s $1,051.8 billion as at 30 June 2025
👥 Across around 1.1 million members

What does that tell us?
👉 People who choose SMSFs are building — and holding — significant long‑term wealth
👉 SMSFs aren’t just for the wealthy anymore, but the wealthy do tend to use them
👉 Australians want more control over how their super is invested
👉 SMSFs continue to grow as more people discover the flexibility they offer

If you’ve wondered whether an SMSF could give you more control or better long‑term options, this stat is a great reminder of how powerful the structure can be.
👍 Like this if you want more simple SMSF breakdowns
❓ Got a question? Shoot me a DM — I answer every one.

📲 https://tomleahey.oxygen.com.au/

Important: The information provided is general in nature and relates only to credit and lending products. It does not take into account your objectives, financial situation, or needs. Before acting on this information, you should consider whether it is appropriate for your circumstances and seek independent financial, legal, or taxation advice where necessary. Any loan application is subject to lender assessment, approval, and credit criteria. Fees, charges, terms, and conditions may apply and are subject to change. Information subject to change without notice.

ACN 103 177 377
Australian Credit Licence Number 390351

The RBA lifted the cash rate by 0.25% today. It now sits at 4.35%.If you have a variable rate home loan, your repayments...
05/05/2026

The RBA lifted the cash rate by 0.25% today. It now sits at 4.35%.

If you have a variable rate home loan, your repayments will likely change in the coming weeks.

Here is what happens next.
Your lender will write to you with the new rate and the new repayment amount. The change usually takes effect within a few weeks of today.

You do not need to do anything right now.

But there are a few things worth a quiet five minutes:
- Check your direct debit covers the new repayment.
- Have a look at your budget for any easy adjustments.
- If you fixed part of your loan, your fixed portion is not affected.
- If you are feeling stretched, the worst thing you can do is wait until you have missed a payment. There are options, and they all work better when used early.

If you want to talk through your loan, your repayments, or whether your current setup still suits where you are at, send me a message.

No pressure, no sales pitch. Just a conversation.
That is what I am here for.

👉 https://tomleahey.oxygen.com.au

🔥 Have you been with the same bank for years?You might be paying a loyalty tax without realising it.Lenders often give b...
10/04/2026

🔥 Have you been with the same bank for years?
You might be paying a loyalty tax without realising it.
Lenders often give better pricing to new customers than long‑term ones.
But here’s the good news: I negotiate hard before recommending a switch.
👇 Do you think your bank is rewarding loyalty — or taking advantage of it?

DM “GUIDE” and I will send you our FREE Refinancing Made Simple Guide.

👉 https://tomleahey.oxygen.com.au/



Australian Credit Licence Number 390351

Life changes… your loan should too.New job? Growing family? Starting to invest?Your mortgage should support your next ch...
01/04/2026

Life changes… your loan should too.
New job? Growing family? Starting to invest?
Your mortgage should support your next chapter — not hold you back from it.

DM “GUIDE” and I will send you our FREE Refinancing Made Simple Guide.

👉 https://tomleahey.oxygen.com.au



Australian Credit Licence Number 390351

💬 Honest post: Sometimes refinancing is NOT the right move.If switching costs outweigh savings, or if you’re already on ...
30/03/2026

💬 Honest post: Sometimes refinancing is NOT the right move.
If switching costs outweigh savings, or if you’re already on a great rate… staying put is smarter.

I’ll always tell you the truth — even when the truth is “don’t change a thing.”

DM “GUIDE” and I will send you our FREE Refinancing Made Simple Guide.

👉 https://tomleahey.oxygen.com.au



Australian Credit Licence Number 390351

The Reserve Bank has announced an increase to the cash rate today, moving it to 4.10%.What does this mean for you?✨ Home...
17/03/2026

The Reserve Bank has announced an increase to the cash rate today, moving it to 4.10%.
What does this mean for you?
✨ Homeowners: Variable loan repayments will increase. Now is a great time to review your rate and check if your lender is still competitive.
✨ First home buyers: Borrowing capacity may be impacted. A strategy session can help you understand your options in this changing market.
✨ Investors: Cash flow and rental yield strategies become even more important.
If you’d like to understand how this change affects your repayments or borrowing power, we're here to help.
Let’s review your options together and ensure your home loan strategy stays strong, no matter what the market throws our way.

👉 https://tomleahey.oxygen.com.au/

⏳ Truth bomb: Waiting is still a decision…And sometimes, it’s the most expensive one.You don’t need certainty.You just n...
11/03/2026

⏳ Truth bomb: Waiting is still a decision…

And sometimes, it’s the most expensive one.

You don’t need certainty.

You just need clarity — and that starts with one small step.

👇 What outcome would make exploring refinancing worth it for you?
Lower repayments?
More flexibility?
Something else?

DM “GUIDE” and we will send you our FREE Refinancing Made Simple Guide.

👉 https://tomleahey.oxygen.com.au/



Australian Credit Licence Number 390351

🔍 Confused about whether refinancing is right for you?Part 1 of our FREE guide breaks it down when refinancing helps, wh...
04/03/2026

🔍 Confused about whether refinancing is right for you?

Part 1 of our FREE guide breaks it down when refinancing helps, when it doesn’t, and how to make a confident call without spreadsheets taking over your life.
This is your “Where do I even start?” cheat sheet.

👇 Which part is most confusing right now — the rate, the fees, or the structure?

DM “GUIDE” and I will send your our FREE Refinancing Made Simple Guide.

👉 https://tomleahey.oxygen.com.au/



Australian Credit Licence Number 390351

Still think homeownership is impossible? Think again!Yes, the market's tough. But here's what first home buyers are doin...
03/03/2026

Still think homeownership is impossible? Think again!

Yes, the market's tough. But here's what first home buyers are doing right now to get ahead:

🎯 Tapping into first home buyer grants (hello, free money!)
🎯 Accessing the Australian Government 5% Deposit Scheme
🎯 Getting pre-approved before they even start looking
🎯 Building their deposit while house hunting
🎯 Looking beyond the obvious suburbs

The dream isn't dead – it just needs a solid strategy.

Ready to stop dreaming and start doing? Let's make it happen.

👉 https://tomleahey.oxygen.com.au/

Congratulations on taking the first step toward homeownership. It's an exciting journey, and I get that it can feel over...
25/02/2026

Congratulations on taking the first step toward homeownership. It's an exciting journey, and I get that it can feel overwhelming at times.
Here's what I'll help you navigate:

• Understanding your borrowing capacity
• Exploring first home buyer benefits and grants
• Finding the right loan structure for your situation
• Preparing your application for success

Every first home buyer's situation is unique, which is why I take the time to understand your goals, timeline, and financial circumstances.

My role is to make the process as smooth as possible, so you can focus on finding the perfect home.

Ready to explore your options? Let's have a conversation.

👉 https://tomleahey.oxygen.com.au/

Address

Reid
Canberra, ACT
2612

Website

Alerts

Be the first to know and let us send you an email when Tom Leahey, Oxygen Home Loans posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category