Manpreet S Natt - Golden Mortgage

03/11/2026

RBA UPDATE | Effective November 4, 2026

For the fifth time this year, the Reserve Bank of Australia (RBA) has raised the cash rate by 0.25%. This brings the official cash rate to its highest since 2008 at 4.85%. This decision was made on a vote of 6-3 split, which the Board considers a necessary rise to bring inflation sustainably back to target.

The hiked rates come with little surprise, with all four major banks predicting the rise following September-quarter inflation up to 4.3%. The RBA expects inflation to “remain elevated through much of 2027”, with a return to its target range of 2-3% not anticipated until late 2027. Higher fuel and commodity prices are contributing factors, alongside ongoing pressures such as AI-related investment driving growth in demand and prices.

Industry associations are urging mortgage holders and prospective buyers to seek professional guidance to better understand their available options and alternatives, and navigate changing circumstances.

Mortgage & Finance Association of Australia (MFAA) Chief Executive Officer Anja Pannek advises for prospective buyers, a mortgage broker can help with understanding “what they can comfortably afford, alongside what they may be eligible to borrow”. For existing borrowers “a broker can explore a more competitive rate with their current lender or assess whether refinancing makes … sense,” Pannek adds.

The RBA continues to focus on bringing inflation under control, while households and economic activity face pressure from higher borrowing costs and rising living expenses.

If you're unsure how this change may impact you, consider speaking with a mortgage broker to help you make informed financial decisions.

The next RBA meeting is scheduled for Tuesday, December 8.

30/10/2026

🏡🔥 BUYER’S MARKET = YOUR NEGOTIATING POWER!

💰 Why pay the asking price when you may have the power to negotiate a better deal?

When the property market slows down, the balance of power can shift towards buyers. While others sit on the sidelines, prepared buyers may have an opportunity to negotiate harder and smarter.

🤝 THIS IS WHERE STRATEGY MATTERS:

✅ Challenge the asking price. Don’t assume the seller’s price is the final price. Make a well-researched offer backed by comparable sales.

✅ Negotiate with confidence. If a property has been sitting on the market, you may have more room to negotiate.

✅ Use competition to your advantage. Fewer competing buyers can mean less pressure to overpay.

✅ Negotiate beyond the price. Settlement dates, conditions and inclusions may also be up for discussion.

✅ Be ready to walk away. Know your budget, set your limit and don’t let emotion push you into paying more than you’re comfortable with.

🔥 HERE’S THE REAL MESSAGE:

In a hot market, buyers compete against other buyers.

In a softer market, you may have more opportunity to negotiate directly with the seller.

DON’T JUST BUY A PROPERTY. NEGOTIATE A BETTER DEAL. 💪

The key is knowing the market, understanding the property’s true value and having your finance ready before you make your move.

🏠 Planning to buy your first home or your next investment property?

📩 Message me today to discuss your home loan options and get financially prepared to negotiate with confidence.

Call me or Golden Mortgage on👇👇
📱 0468 428 286
📧 [email protected]

Credit Representative (CRN 545482) is authorized under Australian Credit License 384 324.
ABN-59 662 493 889

*Your complete financial situation will need to be assessed before acceptance of any proposal or product.

21/10/2026

🏦Five things to think about before buying a property with someone else.
🧑‍💻🏡There are two ways to hold property with another person in Australia. Read this very article article to know when buying with co-ownership.

With property prices remaining high across most of Australia co-purchasing has become an increasingly practical path into property ownership. Buying with a partner, family member or friend can give buyers a larger deposit and greater borrowing power than either party could achieve alone. But co-ow....

29/09/2026

RBA UPDATE | Effective September 29, 2026

After two consecutive holds, the Reserve Bank of Australia (RBA) has raised the cash rate by 0.25% at 4.60%, marking the fourth increase this year. This unanimous decision brings the cash rate to its highest in 15-years, since November 2011. The increase in cash rate is an attempt to slow down inflation in the economy.

The RBA has stated that inflation has remained elevated, and some risks that was flagged in August has been materialising, where global energy prices higher than predicted in August forecast with the conflict in the Middle East broadening. Increased use of AI and AI-related demands have also contributed to rapid growth in global prices for technology-related goods.

Finance Brokers Association Australia (FBAA) and Mortgage & Finance Association of Australia (MFAA) both advises mortgage holders for action to be taken before higher repayments take effect.

“A rate rise affects every household differently. The important thing is to know where you stand rather than assuming there is nothing you can do,” MFAA CEO, Anja Pannek comments, urging borrowers to speak to their mortgage brokers to understand their position and options.

Leo Gagic, FBAA new CEO encourages mortgage brokers to contact their clients first. “A simple conversation can provide reassurance, help a client understand what this increase means for them and identify whether their lending arrangements should be reviewed.” Gagic adds, this is the support clients need at this time with making informed decisions.

If you’re feeling the pressure, or unsure how this change impacts your mortgage or borrowing capacity, consider reviewing your loan. A mortgage broker can help with a no-obligation review.

The RBA’s next meeting is scheduled for Tuesday, November 3.

24/09/2026

🏠 When Was the Last Time You Reviewed Your Home Loan?

💸Life changes, Your income, expenses, property value and financial goals can all change too.

🧑‍✈️So why keep your home loan on autopilot?

🧑‍💻A refinance review may help you explore options such as:

✅ Reviewing your current interest rate.
✅ Consolidating eligible personal loans or credit card debt.
✅ Accessing available equity for renovations or another property.
✅ Adding or reviewing an offset account.
✅ Checking whether your current loan features still suit you.
✅ Reviewing your repayments and loan structure.
✅ Comparing your current loan with options available from other lenders.

💬 Not sure whether refinancing is right for you?

That’s exactly what a home loan review is for.

I can look at your current loan, understand your goals and compare suitable options based on your circumstances.

📩 Send me a message with “REVIEW” and let’s have a conversation about your home loan.

📞Contact us or Golden Mortgage today on 0468 428 286

📌 www.goldenmortgage.com.au

💸 Don’t wait—take the next step toward financial flexibility now!

No pressure. Just a straightforward review of your options.

Refinancing is subject to lender eligibility, credit assessment and responsible lending requirements. Fees and charges may apply. Refinancing may not be suitable for everyone.

Credit Representative (CRN 545482) is authorized under Australian Credit License 384 324.
ABN-59 662 493 889

*Your complete financial situation will need to be assessed before acceptance of any proposal or product.

18/09/2026

💸💰Fixed interest rates are moving, is this signal from the market?

🏦Major Banks increasing their fixed interest rate before RBA cash rate decision is scheduled for 29 September 2026. Keep an eye on the fixed rate🏡🧑‍💻.

Need Help,Get in touch today. We can help you to review your Home Loan.

Call me or Golden Mortgage on👇👇
📱 0468 428 286
📧 [email protected]

Credit Representative (CRN 545482) is authorized under Australian Credit License 384 324.
ABN-59 662 493 889

*Your complete financial situation will need to be assessed before acceptance of any proposal or product.

17/09/2026

🏡💸More than half of Australian homeowners do not fully understand key home loan concepts, with many turning to social media and artificial intelligence for financial guidance instead of professional advice. Click the link to read more🧑‍💻

More than half of Australian homeowners do not fully understand key home loan concepts, with many turning to social media and artificial intelligence for financial guidance instead of professional advice.

03/09/2026

🏡💰Refinancing your Home Loan?

✨Interest rates have shifted—have you checked if your mortgage still makes sense? Refinancing could lower your monthly payments, reduce your interest rate, or help you tap into your home's equity.

📉 Lower your rate
💳 Consolidate debt
📆 Shorten your loan term
💵 Cash out for renovations or big goals

Let’s talk about how could you lower your repayment

💡 With changing interest rates, now is a great time to see how it benefits you. Let us guide you through the process and unlock the benefits of refinancing!

📞 Contact us today on 0468 428 286

📌 www.goldenmortgage.com.au

💸 Don’t wait—take the next step toward financial flexibility now!

Get in touch today, We can help you, to explore your loan options and also help you, to calculate your borrowing capacity.

Call me or Golden Mortgage on👇👇
📱 0468 428 286
📧 [email protected]

Credit Representative (CRN 545482) is authorized under Australian Credit License 384 324.
ABN-59 662 493 889

*Your complete financial situation will need to be assessed before acceptance of any proposal or product.

27/08/2026

🌿🌼Spring always brings more listings and more competition. If you are planning to make an offer this selling season, here are four things worth knowing before you do.

✅Know how to make an offer correctly - Verbal offers carry no legal weight. In most states, offers are made in writing through a contract of sale or a formal offer document. Your conveyancer can walk you through the process before you get to this point.
✅Subject to finance clauses protect you - Including a finance condition gives you the ability to exit the contract if your loan is not formally approved. In a competitive market, some buyers waive this condition, which significantly increases their risk if finance falls through.
✅Cooling-off periods vary by state - Most states provide a short cooling-off period after signing a contract, typically two to five business days, during which you can withdraw. Auctions are excluded. Knowing your state’s rules before you sign is important.
✅Going unconditional is a serious commitment - An unconditional offer means no cooling-off, no finance clause and no exit. Only make an unconditional offer if your finance is fully approved and your due diligence is complete.

We can help you compare your options and apply for pre-approval before spring gets underway.

Get in touch today, We can help you.

Call me or Golden Mortgage on👇👇
📱 0468 428 286
📧 [email protected]

Credit Representative (CRN 545482) is authorized under Australian Credit License 384 324.
ABN-59 662 493 889

*Your complete financial situation will need to be assessed before acceptance of any proposal or product.

18/08/2026

✨Looking for car Loan for your family car. We are here to assist you🚗🚘

Need assistance for| Car Loan | Personal Loan. please give me a call 👇👇
📱 0468 428 286
📧 [email protected]

Credit Representative (CRN545482) is authorized under Australia credit Licence384 324. ABN-59 662 493 889

*This is general information only and is subject to change at any given time. Your complete financial situation will need to be assessed before acceptance of any proposal or product.