Adapt Lending Solutions

07/10/2026

When you apply for pre-approval, lenders don't just look at how much you've saved. They typically review 3 months of bank and credit statements to assess your day-to-day spending rhythm.

Three things they routinely check:

Undeclared liabilities: Unused Buy-Now-Pay-Later accounts, credit card limits (even with zero balance), or personal overdrafts.

Account conduct: Avoid dishonour fees or overdrawn balances, as credit assessors flag these immediately.

Recurring commitments: Subscriptions, gym memberships, private health insurance, and regular cash transfers to savings or family.

No need to survive on instant noodles, but tidy, consistent statements in the 90 days before applying make approval significantly smoother.

12/08/2025

📉 𝐁𝐑𝐄𝐀𝐊𝐈𝐍𝐆 𝐍𝐄𝐖𝐒: 𝐑𝐁𝐀 𝐂𝐮𝐭𝐬 𝐂𝐚𝐬𝐡 𝐑𝐚𝐭𝐞 𝐛𝐲 𝟎.𝟐𝟓% 📉
The Reserve Bank of Australia has officially reduced the cash rate from 3.85% to 3.60%, marking the third cut this year.
This move follows signs of easing inflation and a rise in unemployment, paving the way for more affordable lending.
💬 What does this mean for you?
Lower interest rates could mean better borrowing conditions and potential savings on your home loan.
📲 𝐈𝐟 𝐲𝐨𝐮 𝐰𝐚𝐧𝐭 𝐭𝐨 𝐤𝐧𝐨𝐰 𝐰𝐡𝐚𝐭 𝐭𝐨𝐝𝐚𝐲'𝐬 𝐧𝐞𝐰𝐬 𝐦𝐞𝐚𝐧𝐬 𝐟𝐨𝐫 𝐲𝐨𝐮 𝐚𝐧𝐝 𝐲𝐨𝐮𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐞𝐬, 𝐩𝐥𝐞𝐚𝐬𝐞 𝐠𝐞𝐭 𝐢𝐧 𝐭𝐨𝐮𝐜𝐡!
We’re here to help you make the most of this opportunity.

01/07/2025

🎉Happy New Financial Year! 🎉

20/05/2025

MAY RBA UPDATE 🏡

02/05/2023

RBA cash rate raised to 3.85%

Following a pause last month, the Reserve Bank of Australia (RBA) today decided to increase the official cash rate by 0.25% to 3.85%.
Whilst headline inflation eased to 7% during the March quarter, it remains well beyond the RBA's target range of 2-3%.

If you'd like to have a chat about what today's news means for you and your finances, please don't hesitate to get in touch.

19/04/2023

We are so proud to be able to support the mighty Dural Rugby Club. Great to see the new scoreboard and fresh jerseys, looking forward to seeing plenty of wins in those those this season!

One of our big off season projects has finally come to fruition with the arrival of our new electronic scoreboard.

Thanks to the support of our sponsors, these long term club improvements are made possible as we work on growing and developing our club both on and off the field.


Adapt Lending Solutions All-Trans Auto Group Jakin construction Bobby Bakehouse Bosetti Blinds- Shutters- Awnings MaxFit Hills District Property Maintenance LJ Ho**er Dural Trademark Excavating Flemming Golf Forever Landscapes Pty Ltd Walker Meats Sarah Bevan Family Lawyers AirElec Choice Concrete Solutions Pty Ltd Alan Oxford's Plumbing & Electrical Langlands Landscape Supplies Pure Plumbing Professionals www.country2coastfinance.com.au www.civicmjd.com.au Southern Cross Scoreboards

06/12/2022

The Reserve Bank of Australia (RBA) today decided to increase the official cash rate for the eighth consecutive month, this time by 0.25% to 3.10%.

Today's increase follows speculation that rates may be starting to approach their peak with falling house prices in some capital cities, decreasing demand for credit and lower October inflation numbers.

If you'd like to have a chat about what today's news means for you and your finances, please don't hesitate to get in touch.

01/11/2022

The Reserve Bank of Australia (RBA) today decided to increase the official cash rate for the seventh consecutive month, this time by 0.25% to 2.85%.
Today's increase follows higher than anticipated September quarter Consumer Price Index (CPI) figures as the RBA continues to battle inflation.
If you'd like to have a chat about what today's news means for you and your finances, please don't hesitate to get in touch.