Lisa Holt - AAP Finance Brokers

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Australia
Gosford, NSW
Lisa Holt - AAP Finance Brokers

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We're here to help you with your finance needs, including home mortgages, commercial, corporate and business lending.

Australian Credit Licence 499241
Credit Rep Number 542265

03/11/2026

📢 RBA RATE RISE – CASH RATE NOW AT 4.85%

What does this mean for you?

🏡 Higher repayments for variable rate borrowers
📉 Potentially reduced borrowing capacity
🔍 A good time to review your current home loan

When did you last check if your loan is still competitive?

Don't just accept your bank's offer. Let's make sure your loan is still working for you.

Reach out today – let's discuss your options!

02/11/2026

🏡 Is your home loan still working for you?

When did you last hear from your bank? 👀

✔️ Is your interest rate competitive?
✔️ Could you be paying less?
✔️ Does your loan structure still suit your needs?

💙 Don’t just set and forget your mortgage!

📩 Reach out today — let’s review your options and see if refinancing could be right for you.

ACL 299241 CR 542265

30/10/2026

🏡 Fixed rate finished? Don’t just settle for your revert rate!

Your home loan could be costing you more than it needs to.

💙 Let’s review your rate, compare your options and make sure your loan is still working for you.

📩 Reach out today for a chat — a quick review could make a difference!

ACL 499241 CR 542265

29/10/2026

“Did you know some lenders will consider gift or inheritance as genuine savings?” 🤔

The good news is, this may help you get into your first home sooner.

This may help you cover the cost of:
✔ Deposit
✔ Stamp duty & upfront costs
✔ Government fees
✔ A financial buffer after settlement

There may also be grants and schemes available that could help you get into the market sooner.

If you are not sure where to start, we are here to help guide you through the process.

ACL 499241 Credit Rep 542265

01/10/2026

🏠 Is your home loan still the right fit?

If you’re paying an annual package fee but not really using your offset account, it could be worth taking another look.

A basic home loan may offer a lower interest rate and no annual package fee — potentially saving you money over time.

💡 Your circumstances change, and your home loan should change with them.

Let’s compare your options and see if there’s a better fit for you.
📩 Reach out today for a chat.

30/09/2026

Breaking News! The Reserve Bank yesterday announced an increase of 0.25% to the cash rate bringing it to 4.6%.

Reach out if you are wanting to review your home loan and discuss the impact to your loan repayments.

22/09/2026

With alot of talk at the moment around another rate rise being forcast next week, now is a good time to consider whether you are prepared for any future rate rises.

👉 Do you have a buffer in place for future rate rises?
Small changes can make a big difference over time, including:

✅ Rounding up your repayments to the nearest $50 or $100
✅ Reviewing phone, internet and streaming subscriptions
✅ Checking your household budget for savings opportunities
✅ Comparing home and car insurance premiums
✅ Reviewing electricity and utility accounts
✅ Paying down credit card debt to reduce monthly commitments

Planning ahead now may help reduce financial stress later.
If you’d like help reviewing your budget, home loan or repayments, feel free to reach out 📩

ACL 499241 Credit Rep 542265

06/09/2026

Pre-Approvals - Understanding the difference between them.

Not all lenders credit assess pre-approvals, some are just estimating based on the information provided.

Thinking of obtaining a pre-approval, reach out so we can help you understand the right approval for your needs.

ACL 299241 CR 542265

05/09/2026

Reverse Mortgages - How can they help

Sometimes life can change unexpectedly. Whether it is aged care costs, moving into a nursing home, medical expenses or simply needing access to funds, a reverse mortgage may help provide a solution through the equity in your home.

For some Australians, it can offer greater financial flexibility and peace of mind during challenging times and retirement.

Understanding your options is important, and we are here to help you understand the process.

ACL 499241 Credit Rep 542265

Address

Suite 3. 04, Level 3, Platinum Building
Gosford, NSW
2250

Telephone

+61404885306

Website

http://www.aapfb.com/

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