Coastal Loans by Paul Hamilton

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Coastal Loans by Paul Hamilton

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As one of Perth's leading Mortgage Brokers Paul will present you with a number of finance options an

A Mortgage Broker is a finance professional whose role it is to assist you with what will often be the biggest financial you will make in your life, buying a house. Our role is to compare the various home loans lenders in the market to help you make the right decision in selecting the right home loan. We do this by asking you a number of questions and then comparing the lenders, using our loan comparison software.

03/11/2026

📢 INTEREST RATE UPDATE | RBA INCREASES CASH RATE TO 4.85%

The Reserve Bank of Australia has announced another 0.25% interest rate increase, taking the cash rate to 4.85%. This is the fifth increase this year.

📈 Why has the RBA increased rates?

Inflation continues to rise, reaching 4.3% in the year to September, moving further away from the RBA's target range of 2–3%.

Some of the key contributors include:

⛽ Rising fuel prices, up 9.4% in September alone.
🏡 Increasing housing and construction costs.
⚡ Higher electricity prices.
At the same time, unemployment has climbed to 4.7%, its highest level since 2021.

The RBA will continue monitoring inflation, household spending and employment ahead of its next meeting in December.

🏡 WHAT DOES THIS MEAN FOR YOU?

If you have a variable-rate home loan, this increase could mean higher interest rates and bigger monthly repayments.

Now is a great time to review your home loan and ask yourself:

✔️ Am I still getting a competitive interest rate?
✔️ Is my current lender offering me the best deal? ✔️ Could I be saving money by reviewing my loan?

💬 Don't just assume you're on the best rate.

A quick home loan review could help you identify opportunities to save and make sure your mortgage is still working for you.

📩 Get in touch if you'd like to review your current home loan. I'm happy to help!

27/10/2026

🏗️ DEVELOPERS!
Planning a property development in WA? Pre-sales could be one less hurdle…

As part of the AFG network, Coastal Loans now has access to RAC Finance, offering development loans of up to 10 million for eligible projects in metropolitan Perth and selected South West locations.

Here’s what’s on offer:

✅ No pre-sales required
✅ Funding for homes, townhouses, apartments, industrial projects and land subdivisions
✅ Owner-builder applications considered
✅ Local WA approvals and progress payments processed

15/10/2026

📉 Could rising unemployment put the brakes on further interest rate hikes?

Australia’s unemployment rate has climbed to 4.7% - its highest level in almost five years, with 39,000 fewer people employed in September.

The latest figures are putting pressure on the Reserve Bank to reconsider any further interest rate increases.

For mortgage holders already feeling the pinch, this could be welcome news.

👀 All eyes are now on the RBA’s next move!

06/10/2026

🏠 WHEN YOUR HOME LOAN IS STARTING TO FEEL HEAVY… YOU’RE NOT ALONE.

For many Australian families, the past few years have meant higher mortgage repayments, rising grocery bills, increasing insurance costs and the general cost of living continuing to climb.

And when another rate increase comes along, it can feel like there’s nowhere left to cut back. 💙

The average variable home loan rate for owner-occupiers is set to reach around 6.49% - but the good news is, there are lenders offering rates closer to 6%.

For someone with a $600,000 home loan and 25 years remaining, moving from the average rate to a lower rate could potentially reduce repayments by around $180 a month.

That $180 could mean groceries, a bill, school expenses - or simply a little more breathing room each month.

If your home loan is putting pressure on the family budget, let’s take a look at it together. There may be options available that could make things a little easier.

29/09/2026

🚨 RATE INCREASE! 🚨

The RBA has increased the cash rate by 0.25%, taking it to 4.60%.

While inflation has eased, underlying inflation is still proving stubborn, sitting above the RBA’s 2–3% target range. Rising energy costs and ongoing wage and business cost pressures continue to put pressure on the economy.

🏠 So, what does this mean for you?

If you have a variable-rate home loan, this increase could flow through to your interest rate and repayments.

Now could be a good time to ask yourself:

👉 Is my interest rate still competitive?
👉 Is my current lender still the right fit?
👉 Is my loan structure working for me?
👉 Could I potentially save by refinancing?

Don’t just accept a higher repayment - know your options.

If you’d like to see whether your home loan is still working for you, get in touch for a FREE home loan review. 🏡

23/09/2026

📣 **CALLING ALL ESSENTIAL WORKERS!**

Did you know your overtime and shift penalties could count for more than you thinkwhen applying for a home loan?

Many lenders will reduc or “shade”overtime and shift penalty income by around 20% when assessing borrowing capacity.

However, some lenders may use 100% of this income for eligible essential workers; potentially making a meaningful difference to how much you can borrow.

Even better, one lender has recently expanded who it considers an essential worker to include:

• Border Force employees
• Correctional Services employees
• Hospital and medical workers - including hospital cleaners and security guards
• Qualified medical specialists and health professionals - including radiographers, physiotherapists, chiropractors and dental hygienists
• Aviation industry workers - including commercial airline pilots
• Public transport operators - including bus drivers
• State Emergency Services workers
• Educators at recognised public or private institutions
• Veterinarians

🏡 If you fall into one of these professions, it could be worth taking another look at your borrowing capacity.

Different lenders assess income differently, and knowing which lender best recognises all of your income can make a real difference.

Get in touch and we can look at the options available to you.

*Eligibility, lending criteria and individual circumstances apply.*

18/09/2026

Interest rates are on the move again, with some Australian lenders quietly increasing rates just days out from a crucial Reserve Bank decision.

At its previous meeting, the RBA opted to hold the cash rate steady at *4.35%, following three consecutive increases earlier this year.

What comes next is anyone’s guess - but with another RBA decision just around the corner, now could be a good time to review your mortgage and make sure your current loan is still working for you.

A quick review could uncover a better rate, lower repayments or an opportunity to save some money and get ahead.

The RBA Board meets **28–29 September**

Stay tuned 👀

13/09/2026

🏡 More Australians are choosing mortgage brokers!

Did you know that 81.6% of all new home loans were written by mortgage brokers in June 2026? 🤯

That’s up from 77.6% in June 2025 - and it’s a huge jump from just 53.9% back in 2018!

So why are more Australians choosing brokers?

Because having someone in your corner can make the home loan process easier. From comparing lenders and rates to helping with paperwork and guiding you through the process, a broker can do the hard work for you.

📈 81.6% of Australians can’t be wrong!

07/09/2026

🏡 Feeling the pressure from your home loan, credit cards or car loans?

Sometimes you don’t need a complete financial overhaul… you just need a little breathing room.

If your repayments are becoming difficult to keep up with, refinancing could be worth considering. It may allow you to consolidate debts and smooth out your repayments, giving you some space to get things back on track.

👉 And no - the goal isn’t to pay off your credit card or car loan over 30 years!

For some people, refinancing can be a short-term strategy - giving you 6 months (or whatever timeframe is appropriate) to get your finances organised, then focus on paying the extra debt down faster.

With a suitable variable-rate home loan, you may also have the flexibility to make additional repayments without penalty, helping you get ahead once things settle down.

💬 Don’t wait until the repayments become overwhelming.
Let’s have a conversation about your options and see whether refinancing could give you the breathing room you need.

📩 Send me a message today, sometimes a little space can make a big difference.

***Lending criteria, fees, charges and eligibility apply. Refinancing may extend the term of your debt and increase the total interest paid. Consider whether this strategy is appropriate for your circumstances.

03/09/2026

What a ride! 🥂 20 years as your local mortgage broker!

Two decades of helping people navigate some of the biggest decisions of their lives.

20 years in this industry has taught me a lot. I’ve poured my heart and soul into my business, backed my clients through the highs, the lows and everything in between, and the clearest thing after all this time?

I bloody love what I do. ❤️

A special thank you to my legendary colleague Fi, who has been such an important part of the journey, and to my wonderful wife Erica for her endless support through it all.

To every single person who has trusted me over the years - whether it was your first home, your fifth, a refinance, an investment or simply some advice when you needed it THANK YOU!

You’ve allowed me to build a business and a career that I genuinely love, and I’m so incredibly grateful.

Here’s to 20 years, and plenty more to come! 🥂

Address

12/110 Flinders Avenue
Hillarys, WA
6025

Telephone

+61400815152

Website

http://www.coastalloans.com.au/

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