Money Buckets

05/07/2026

Deep Blue Mondays - Money Buckets

We call the Mondays in Mid Winter - Blue Mondays. The worst Mental Health Days of the year, It's Dark, Cold and the long Weekend is over.

Here the reality of a New Financial Year also bites. The bills are rolling in and if you are too far in Debt, it can seem that everything is getting too much out of control.

And if you owe Tax it’s just about to get worse.

So let’s make a New Financial Years resolution with Money Buckets.

We can address Financial problems with Debt Solutions, Debt Consolidations or into Home Loans.

Start the Year with Solutions - not Despair.

Call Alan at Money Buckets 1800 825 010

If you need more info about what we do - there is more at
moneybuckets.com.au

At Moneybuckets.com, we are dedicated to providing saving and budgeting advice and getting your debt under control. We specialise in providing a range of financial solutions tailored to your needs. From debt agreement and specialist lending to bankruptcy assistance and debt consolidation, we have yo...

25/06/2026

More 1st Home buyers enter the market with 5% deposits

The expansion of the 5% Deposit Scheme in October 2025 has had a big impact. According to Equifax, lenders that participate in the scheme recorded a 16.4% increase in loan volumes between October 2025 and March 2026.

Why is the scheme attracting so much attention? Under the 5% deposit scheme buyers can purchase with as little as 5% deposit without paying any Lenders Mortgage Insurance, because the Federal Government guarantees part of the loan.

A smaller deposit can help you buy sooner:

But it also means -

📍Borrowing more
📍Paying more interest over time
📍Having less equity initially

Not sure if the 5% Deposit Scheme is the right fit for you? Let's explore some options and see what's available. If you'd like to talk over your plans, get in touch

[email protected] - or for a quick chat - 1800 825 010

www.moneybuckets.com.au

27/11/2025

Refinancing surges as borrowers chase better deals

A record number of Aussies are switching lenders - and for good reason! ABS Data shows external refinances in the September quarter climbed 25.2% on last year.

Borrowers aren't restless - it's all happening because there are savings that are too big to ignore.

Lenders are adjusting pricing unevenly after recent rate cuts, some lenders are passing on full rate cuts, while others have made only smaller movements. If your home loan is coming off an older fixed or variable rate, there may reductions in new rates that could reduce your monthly payments.

New to bank offers are often sharper than existing customer rates

Wondering if you could be saving money each month and owning your home sooner?

21/08/2025

At Money Buckets, we don't think you need to pay to get your finances in order. If you are looking to wrangle in your spending or wondering if you can afford to buy a home, it's great to have a budget that's easy and that you can play around with. Money Buckets Budgets are FREE, click the link and make them yours.

https://www.moneybuckets.com.au/category/all-products

01/08/2025

Even though the Reserve Bank of Australia (RBA) held the cash rate steady in July, some lenders have already started trimming their home loan rates.

That's because not all lenders are moving in sync. Some drop rates early to stay competitive and attract new customers - which means loans that once had very sharp rates may no longer be as competitive.

Is switching the right move?

A proper review of your current home loan matters. Here's some things to consider:

🔵Your lender might not be keeping up. But some do adjust selectively for existing customers.

🔵The lowest rate isn't always the right deal for you. Making sure your loan structure and features match your financial goals is most important.

🔵A loan review can reveal where you stand. The right choice might be switching – or staying put, with confidence.

Not sure if your loan still stacks up? Let’s take a look together.

Get in touch to see if your loan is still competitive - 1800 825 010

https://www.moneybuckets.com.au/homeloans-specialists

16/06/2025

The End of Financial Year is a Time to review your business going forward

Is there going to be a Tax Bill? Do you have substantial Tax Liabilities to pay?

What options do you have?

Payment plans with the tax office are normally a bit too short and interest is not a tax deduction. But you can refinance tax debt over longer terms with some of our specialist lenders

Sometimes we can refinance your tax debt into your Home Loan and keep the interest rate even lower

Debt Agreements can handle interest free repayments for unsecured debts in difficult situations, so its worth finding out if you can get some help. Don't have debts hanging over for years, it's time to look at options whilst they are available.

Contact Money Buckets on 1800 825 010

More information is available at moneybuckets.com.au

20/05/2025

RBA Reduces Cash rate to 3.85%

The Reserve Bank of Australia (RBA) reduced the official interest rate by 25 basis points to 3.85% following today’s monetary policy meeting. Yay!

The move was in line with market expectations, particularly after the Australian Bureau of Statistics found that annual trimmed mean inflation (the RBA’s preferred measure) had dropped to within the target range of 2-3% in the March 2025 quarter, falling from 3.3% to 2.9%.

Looking ahead, forecasts indicate there could be more cuts to come in 2025, but that will depend on changes to inflation, the labour market and broader economic conditions. What does that mean for you?

As lenders generally follow on from the RBA, they will likely start announcing cuts to their variable rates after today’s decision. That is good!

Contact me if you’d like to discuss current interest rates and how it may affect your current loan or future borrowing plans.

Time for a loan check-in? Let’s talk - 1800 825 010

25/03/2025

Good news if you’re an essential worker – some lenders offer LMI waivers to professions such as police officers, teachers, firefighters, nurses, midwives and paramedics.

Lender’s mortgage insurance, or LMI, is an insurance premium you generally get charged when you provide a deposit of less than 20%. For example, if you were a first home buyer and wanted to buy a $600,000 property with a 10% deposit, you would generally have to pay an LMI premium of about $13,000.

However, depending on your profession and choice of lender, you may be able to take out a low-deposit home loan without needing to pay LMI.

This LMI waiver is not something that all lenders offer to all essential workers; rather, it’s something that some lenders offer to some essential workers.

As your broker, I know the credit policies of a range of lenders, so if you’re an essential worker, get in touch to discuss your options. Depending on your circumstances, I might be able to find you a better home loan deal than you realised was possible.

It's worth a phone call to Money Buckets - 1800 825 010, or find some more info at www.moneybuckets.com.au

16/03/2025

Mortgage Brokers - How do they get paid and will you pay more to refinance or get a loan through a Broker❓ Do you get a great interest rate when you use a Broker? ✔️

The simple answer is NO, you don't pay any more, and you'll probably get a way better choice of loan products and options if you use a Broker. Brokers have access to way more loans than just 1 Bank, so it makes sense to take advantage of all that is available to you. You won't pay any more either, so YES️❗️️you get the best rate, you may even get a better interest rate than if you just went to just 1 Bank and made an enquiry! Brokers get paid by the lenders for doing all the hard stuff, and this payment is not added to your loan amount.

Brokers as well have a duty to ensure Your Financial Best Interest as a 1st priority by Australian credit law. There's no trying to sell something that won't fit your needs or purpose, in short there's just a wider range of loans out there if you use a Broker and it won't cost you anymore!

If you want to talk through your situation and what's currently on offer with over 40 lenders, best number is 1800 825 010 - Try after hours if that suits, you may find us available or we'll call you back. (Don't try that with your bank)!

Moneybuckets.com.au - 1800 825 010