Intelligent Financial Solutions

16/10/2026

Big Four banks split on the RBA’s next move. Will November bring another rate rise?

Australia’s major banks are divided on the RBA’s next move, with the cash rate currently at 4.60%.

🏦 Here’s where the Big Four stand:
• CBA: Expects a November rate hold, although another hike remains a risk.
• NAB: Expects rates to hold, while acknowledging the possibility of further tightening.
• Westpac: Forecasts another rate hike in November.
• ANZ: Maintains its forecast for another 0.25 percentage point increase.

The latest jobs data showed Australia lost 39,300 jobs in September, while unemployment remained at 4.7%. The upcoming quarterly inflation figures on 28 October will be a key factor in shaping the RBA’s next decision.

🏡 What does this mean for you?

If the RBA holds, rates may remain unchanged for now. If it hikes, you could face higher repayments. Either way, it's important to understand your current loan and how comfortably your budget can handle changes.

These are bank forecasts, not confirmed RBA decisions. Forecasts may change.

15/10/2026

Australia’s unemployment rate climbs to 4.7%, its highest in nearly five years.

Australia lost 39,300 jobs in September, while underemployment edged up to 6.3%. The weaker jobs data has eased market expectations of another immediate RBA rate hike, although inflation remains a key concern.

🏡 What does this mean for home buyers and borrowers?

For home buyers: Lenders consider your income, employment stability, existing debts, and living expenses when assessing how much you can borrow. Changes in your income or employment circumstances could affect your borrowing capacity and loan approval.

For existing borrowers: If your income is uncertain, review your budget, repayments and financial buffer.

Interest rates: Weaker jobs data may ease pressure for further rate rises, but inflation remains a key factor in the RBA’s decisions.

💬 Concerned about your home loan or planning to buy? You don’t have to navigate the uncertainty alone. At IFS, we’re here to help you understand your options and make informed decisions based on your circumstances.

📞 1300 462 508
🌐 www.intelligentfs.com.au

14/10/2026

Wonderful feedback for Swapnil and the team!

We’re so pleased to hear that Swapnil made the home loan process smooth and easy to understand by taking the time to explain everything clearly. With Renu keeping the paperwork and communication on track, it’s lovely to see how their teamwork helped make the experience easier for Gautam.

Thank you, Gautam, for your kind words and for trusting Swapnil, Renu, and the Intelligent Financial Solutions team with your home loan journey.

12/10/2026

08/10/2026

Second time working with Henry, and another great experience.

We’re so pleased to see our founder recognised for the service, support, and guidance he continues to provide to his clients.

Thank you, Eric, for coming back to Henry and for trusting Intelligent Financial Solutions with your home loan once again.

07/10/2026

🏠 Negative gearing is changing, and property investors need to understand what’s ahead.

From 1 July 2027, new rules will affect how rental losses from certain established residential properties are treated for tax purposes.

For affected properties, rental losses will no longer be able to offset salary or other non-property income. Instead, those losses will generally be quarantined and carried forward for use against eligible residential rental income or capital gains.

But tax is only one part of the investment equation.

Before making your next move, consider cash flow, rental yield, borrowing costs, risk, growth potential and the impact of the new rules.

Swipe through to understand the key changes and what they could mean for property investors. 👉

📞 1300 462 508
🌐 www.intelligentfs.com.au

07/10/2026

📈 Australia’s bond yields are rising. What does it mean for borrowers?

Australia’s 10-year government bond yield has climbed above 5.40%, near its highest level since 2011, as higher US Treasury yields, rising oil prices and persistent inflation concerns push global borrowing costs higher.

Markets have lowered the chance of another RBA rate hike in November to around 20%, down from 36%, after August inflation came in slightly below expectations.

However, underlying inflation remains above the RBA’s 2–3% target, keeping the rate outlook uncertain after the cash rate rose to 4.60% in September.

At IFS, we believe borrowers should look beyond the next RBA decision. Changes in bond yields can influence lenders’ funding costs and loan pricing, although the impact varies between lenders and loan types.

Our view: Stay informed, review your options, and be prepared for changing market conditions.

Concerned about rising borrowing costs? Talk to our team about your home loan options.

📞 1300 462 508
🌐 www.intelligentfs.com.au

06/10/2026

Friendly service. Clear advice. A great result.

That’s exactly the experience we aim to create for every client, and we’re delighted to see Sandy recognised for delivering just that.

Thank you, Majd, for your trust and for taking the time to share your experience.

04/10/2026

Today, we celebrate the people behind the hard work and contributions that keep Australia moving.

Happy Labour Day!

03/10/2026

Sydney property prices dropped… and apparently the moths got the memo too. 😂🦋🏠
Looks like everyone’s migrating to Sydney for the Long Weekend — even the moths are checking out the Harbour views. 👀🌉
Jokes aside, higher interest rates and mortgage repayments can be stressful. So this Long Weekend, switch off for a bit, get outside, spend time with family and enjoy beautiful Sydney. ☀️💚
You enjoy the break. We’ll worry about the lending. 😉
Happy Long Weekend from the team at Intelligent Financial Solutions!
📞 1300 462 508
🌐 intelligentfs.com.au