Coffey Lending

20/08/2026

This year has been a very personal one for us as we have navigated Rosemary's own cancer journey.

It has brought many difficult days, but also reminded me how important support, kindness and community are. We are especially grateful to Cancer Council and all the fantastic work they do for people affected by cancer and their families.

From support and information to research and advocacy, the work they do reaches so many people when they need it most.

Thank you to everyone who has supported us and our family this year. Every message, phone call, kind word and thoughtful gesture has meant so much.

12/08/2026

The RBA has kept the cash rate on hold at 4.35%.

After three rate rises this year, the RBA is now giving the higher rates time to work through the economy. Inflation remains too high though, and further increases haven’t been ruled out.

For borrowers, a hold means some stability for now — but it’s still worth knowing whether your current rate and loan structure remain competitive.

If you’d like us to take a look, get in touch.

📞 02 4013 6645
🌐www.coffeylending.com.au



Disclaimer: This information is general in nature and does not take into account your personal circumstances.

27/06/2026

Your success is our success. Here's what our clients think!

18/06/2026

The RBA has left the cash rate unchanged at 4.35% following its June meeting.

While the cash rate remains on hold, inflation is still sitting above the RBA's target range, meaning interest rates could stay higher for longer while the Bank monitors economic conditions.

If you've been putting off reviewing your home loan, now is a great time to check whether your current rate and loan structure are still working for you. A lot can change, even when the cash rate doesn't.

If you'd like to understand your options, we're here to help.

📞 02 4013 4465
🌐 www.coffeylending.com.au

Start your story.



Disclaimer: This information is general in nature and does not take into account your personal circumstances. Please seek professional advice before making any financial decisions.

23/05/2026

Today we’re celebrating Rosemary’s anniversary at Coffey Lending 🤍

Many of our clients would already know Rosemary from working directly with her throughout their lending journey — from first conversations through to settlement and beyond.

Over the years, she has helped hundreds of families, first home buyers, investors, and business owners navigate the lending process with care, patience, and genuine support.

Growing a business while raising a family has been an incredibly rewarding journey, and we’re so proud and grateful for everything we've built together.

Thank you to all the clients, referral partners, friends, and family who continue to support Coffey Lending.

21/05/2026

We had a great day learning about the latest updates in Asset and Commercial Finance with the team from CAFBA – Commercial & Asset Finance Brokers Association of Australia and Slattery Auctions.

Plenty of insights, good conversations, and even got the chance to climb on a digger.

Staying up to date in the commercial and asset space helps us look after our clients with the right solutions as the market evolves.

Thanks to the teams for putting the day together.

13/05/2026

Fixed or Variable home loans — understanding the difference matters more than picking a rate.

This is one of the biggest decisions in a home loan. It’s not about guessing where rates will go — it’s about how you want to manage repayments, flexibility, and risk.

𝗩𝗮𝗿𝗶𝗮𝗯𝗹𝗲 𝗿𝗮𝘁𝗲
With a variable loan, your interest rate can move up or down over time. That means your repayments can also change.

Benefits:
• Flexibility to make extra repayments
• Access to features like redraw and offset
• Ability to pay the loan down faster

Things to consider:
• Repayments may increase if rates rise
• Budgeting can be less predictable
• If not planned for, rising rates can put pressure on cashflow

𝗙𝗶𝘅𝗲𝗱 𝗿𝗮𝘁𝗲
With a fixed loan, your interest rate is locked in for a set period (often 1–5 years). Your repayments stay the same during that time.

Benefits:
• Certainty — you know exactly what your repayments are
• Easier budgeting and planning

Things to consider:
• You won’t benefit if rates fall
• Locked in for a set term
• Break costs may apply if you refinance, sell, or change the loan early
• Extra repayments may be limited or capped
• Redraw is typically not available
• When the fixed term ends, your rate may increase depending on market conditions

𝗦𝗽𝗹𝗶𝘁 𝗹𝗼𝗮𝗻 (𝗽𝗮𝗿𝘁 𝗳𝗶𝘅𝗲𝗱, 𝗽𝗮𝗿𝘁 𝘃𝗮𝗿𝗶𝗮𝗯𝗹𝗲)
You can combine both options.
• Part of your loan is fixed for certainty
• Part remains variable for flexibility
• You can choose how much sits in each

This allows you to balance stability with the ability to make extra repayments.

There’s no one-size-fits-all answer.
The right structure depends on your income, plans, and how comfortable you are with changing repayments.

Start your story with the right structure — not just the lowest rate.

D𝘪𝘴𝘤𝘭𝘢𝘪𝘮𝘦𝘳: 𝘎𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘥𝘰𝘦𝘴 𝘯𝘰𝘵 𝘤𝘰𝘯𝘴𝘪𝘥𝘦𝘳 𝘺𝘰𝘶𝘳 𝘱𝘦𝘳𝘴𝘰𝘯𝘢𝘭 𝘤𝘪𝘳𝘤𝘶𝘮𝘴𝘵𝘢𝘯𝘤𝘦𝘴.

05/05/2026

Cash rate increased to 4.35%.

The RBA has lifted rates again as it continues working to bring inflation back within its target range.

While this may lead to higher repayments as lenders pass on the increase, it’s also a reminder to stay across your loan and how it’s performing over time.

A review doesn’t always mean changing lenders — sometimes it’s about confirming your current structure still makes sense for where you are now.

📞 02 40134465
🌐 www.coffeylending.com.au



Disclaimer: This information is general in nature and does not take into account your personal circumstances.

24/04/2026