Mitch Fing - Finance Broker

Mitch Fing - Finance Broker You're trusted Finance Broker. Home Loans, Commercial Loans, Asset Finance and more...

There's plenty of competition between lenders at the moment, so naturally a lower rate gets attention.And it should.But ...
04/09/2026

There's plenty of competition between lenders at the moment, so naturally a lower rate gets attention.

And it should.

But when I'm reviewing a home loan, I'm also looking at the cost of moving, the features, how the loan is structured and what the client plans to do next.

Sometimes refinancing stacks up really well. Sometimes staying where you are makes more sense.

The point of the review isn't to find an excuse to refinance. It's to work out whether you're actually better off.

If it's been a while since you've looked at yours, I'm happy to review it.

The RBA gets most of the attention when we talk about interest rates, but it's not the only thing that moves your home l...
02/09/2026

The RBA gets most of the attention when we talk about interest rates, but it's not the only thing that moves your home loan rate.

Something I've noticed recently is lenders getting more competitive again.

Some have sharpened variable rates or introduced special pricing to attract new business, even without an RBA rate cut.

That's good news for borrowers.

My view? Spend less time trying to predict the next RBA decision and a little more time looking at the rate you're actually paying.

You might have more options than you think.

Rates are up again. Here’s what it means:• Variable loan → repayments will increase• Fixed loan → no change (for now)But...
05/05/2026

Rates are up again. Here’s what it means:

• Variable loan → repayments will increase
• Fixed loan → no change (for now)

But here’s the real issue 👇
Most people don’t have a plan for what’s next.

Refinance? Fix? Restructure?
There’s no one-size-fits-all.

If you’re unsure what to do — let’s map it out.

Fixed rates don’t just follow the RBA cash rate.They’re based on expectations.Lenders look at funding costs, forecasts a...
27/03/2026

Fixed rates don’t just follow the RBA cash rate.

They’re based on expectations.

Lenders look at funding costs, forecasts and market conditions when setting them.

That’s why fixed rates often move before the headlines catch up.

By the time everyone is talking about rates rising or falling, the pricing may already reflect it.

For most borrowers, trying to perfectly time the market isn’t the goal.

Choosing a structure that fits your plans usually matters far more.

If you’re unsure how fixed rates fit into your situation, happy to talk it through.

A split loan is often misunderstood.It’s not really about trying to predict where rates will go.It’s about balance.Part ...
25/03/2026

A split loan is often misunderstood.

It’s not really about trying to predict where rates will go.

It’s about balance.

Part fixed can give repayment certainty.
Part variable keeps flexibility.

For some people, that combination works really well.

For others, it just adds unnecessary complexity.

Like most things in lending, the structure should match your plans — not the headlines.

If you’d like to review how your loan is set up, happy to run through it.

A lot of people assume fixed rates are the “safe” option.Sometimes they are.But fixing your rate also means giving up so...
23/03/2026

A lot of people assume fixed rates are the “safe” option.

Sometimes they are.

But fixing your rate also means giving up some flexibility.

Extra repayments may be limited.
Breaking the loan early can be expensive.
Refinancing becomes harder.

Variable loans move more — but they often give you more freedom.

The right choice usually comes down to how much certainty you want over the next few years.

If you're unsure which direction suits your situation, happy to walk through it.

“You need to sell before you buy.”Not always.There are ways to structure overlap — but they come with trade-offs.Bridgin...
20/03/2026

“You need to sell before you buy.”

Not always.

There are ways to structure overlap — but they come with trade-offs.

Bridging.
Equity release.
Conditional timing.

The smarter question is whether it strengthens your position.

If you’re planning a move, it’s worth reviewing the structure first.

“Should we buy first or sell first?”It depends.Buying first can reduce pressure — but may require bridging.Selling first...
18/03/2026

“Should we buy first or sell first?”

It depends.

Buying first can reduce pressure — but may require bridging.

Selling first reduces risk — but limits flexibility.

The right choice depends on your equity and buffer position.

If you’re unsure which path makes sense, happy to map it out.

Upgrading isn’t just about price.It’s about sequence.Selling.Buying.Timing.Cash flow.The biggest mistakes usually happen...
16/03/2026

Upgrading isn’t just about price.

It’s about sequence.

Selling.
Buying.
Timing.
Cash flow.

The biggest mistakes usually happen between transactions — not inside them.

If you’re thinking about moving, it’s worth planning the structure before listing anything.

Happy to run through it with you.

“You should fix before rates rise.”That advice gets repeated a lot.But fixed rates often move before headlines do.By the...
13/03/2026

“You should fix before rates rise.”

That advice gets repeated a lot.

But fixed rates often move before headlines do.

By the time fear peaks, pricing may already reflect it.

The decision shouldn’t be driven by prediction.

It should be driven by structure.

If you’re unsure whether fixing suits your position, it’s worth reviewing properly.

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