Planway Finance and Home Loans

12/02/2026

Behind every “Loan Approved” is a story…
A family upgrading.
A first home buyer stepping in.
An investor building wealth.

As a mortgage broker, my job isn’t just to find a loan — it’s to find the right strategy for YOU.

✔ Tailored loan options
✔ Unbiased advice
✔ Smart approval strategies
✔ Long-term property planning

In a market where rates shift, policies change, and banks tighten rules… you need someone who understands both the numbers and your journey.

If you’re thinking about buying, refinancing, or investing — let’s have a conversation.
Your property goals deserve a proper plan, not guesswork.

📩 Message me to book a consult.
Let’s make it happen. 💼🏠

05/02/2026

“Marketing fools you… if you let it.” 👀

Big ads. Flashy rates. Loud promises.
But when it comes to home loans, marketing doesn’t always tell the full story.

That “lowest rate” might come with:
❌ high fees
❌ short-term discounts
❌ strict conditions
❌ or nasty surprises later

👉 The real win is the right loan for YOU, not the best-looking ad.

This is where a broker adds value — cutting through the noise, comparing lenders beyond the marketing, and focusing on what actually works for your situation.

See through the marketing.
Choose strategy over slogans.

03/02/2026

Check your borrowing power in minutes!

Thinking about buying a home or refinancing your loan? Before you take the next step, it’s super helpful to know how much you can borrow — and the good news is, it only takes a few minutes.

👉 Check your borrowing capacity here:
https://app.middle.finance/ref/23255384-4303-4f3d-bee6-c988eb8c50a5

💡 Just:
✔️ Open the link
✔️ Fill in a few basic details
✔️ Get a clear idea of your borrowing limit

Whether you’re a first-home buyer, investor, or upgrading — this is the FIRST smart step in planning your property journey.

📩 Once you’ve done that, I’ll help you interpret your results and work out your best strategy.

28/01/2026

https://vt.tiktok.com/ZSauXEMXt/

📊 Inflation Update: What This Means for Interest Rates

Australia’s latest inflation data is out, and it’s a mixed bag 👇

• Monthly CPI: 1.0% (higher than expected)
• Annual CPI: 3.8% (still well above the RBA’s 2–3% target)
• Trimmed Mean CPI: 0.2% (slightly softer, but still sticky)

So what does this mean for interest rates?

👉 Inflation is cooling slowly, but not fast enough
👉 Core inflation (what the RBA really watches) is still too high
👉 This makes rate cuts unlikely in the short term

At this point, the most likely outcome is a rate HOLD, not a cut.
A hike isn’t guaranteed — but it’s definitely not off the table if inflation stays stubborn.

For borrowers and buyers, the message is simple:
📌 Rates may stay higher for longer
📌 Borrowing power remains under pressure
📌 Waiting for quick relief could mean waiting too long

This is why planning early matters more than timing the perfect rate cut.

💬 What do you think comes next?
• Rate hold?
• Another hike?
• Or cuts later than everyone expects?

If you want to understand how this impacts your borrowing capacity or buying plans, feel free to message me — happy to talk it through.

17/01/2026

🏠📈 Sydney homeowners hit with up to $22,000 extra per year in mortgage repayments

New data shows many Sydney borrowers are now paying around $22,000 more per year on their home loans compared to just a few years ago — largely due to interest rate rises and loan roll-offs from low fixed rates.

💡 What this means for homeowners:
• Household budgets are under pressure
• Loan structure matters more than ever
• Doing nothing could be costing you thousands

Now more than ever, it’s important to:
✔️ Review your current interest rate
✔️ Check if refinancing could reduce repayments
✔️ Consider strategies like split loans or different repayment options

📩 If you’re unsure whether your loan is still competitive, let’s review it — a simple check could make a big difference.


PLANWAY
📞 [0466865747]
📩[email protected]

15/01/2026

🚨 CBA just moved fixed rates – this matters 🚨

From 15 January 2026, CBA has increased fixed home loan rates:
• 1-year fixed: +0.45%
• 2-year fixed: +0.35%

Banks don’t adjust fixed rates randomly. Fixed rates are driven by where banks think money is heading over the next 1–3 years.
This move suggests one thing clearly 👉 banks are not pricing in meaningful rate cuts anytime soon.

Does that mean more hikes are guaranteed? Not necessarily.
But it does point to a “higher for longer” environment being taken seriously by lenders.

So what does this mean if you’re thinking about buying?

🏡 Higher rates = reduced borrowing power
🏡 Reduced borrowing power = fewer options
🏡 Fewer options = more buyers missing out when competition heats up

The buyers who tend to do best are the ones who prepare early:
✔ Know their true borrowing capacity
✔ Get pre-approved before rates move again
✔ Buy when others are still waiting for “certainty”

If you’re planning to buy in 2025 or 2026, waiting for perfect conditions can actually cost you more in the long run.

💬 I’m curious to hear your thoughts:
• Rate cuts coming soon?
• More hikes ahead?
• Or higher for longer?

If you want a clear, honest assessment of where you stand, no pressure, no sales talk, message me.
Getting positioned early is often the biggest advantage in this market.

10/01/2026

😂 Choosing a home loan among lenders be like…

At first glance, all home loans look the same —
Same smile 😁
Similar rates 📊
Fancy features ✨

But what you don’t see right away can make a huge difference to your repayments, flexibility, and long-term cost.

That’s where a mortgage broker comes in 👇
✔️ Compares multiple lenders (not just one bank)
✔️ Explains the fine print in plain English
✔️ Matches the loan to your goals — not the bank’s
✔️ Helps you avoid costly mistakes

💡 The right loan isn’t about picking a face — it’s about choosing the right fit.

📩 Thinking of buying or refinancing? Let’s find the loan that actually works for you.


PLANWAY
📞 [0466865747]
📩[email protected]

29/12/2025

🏡📈 Australian house prices could DOUBLE by 2030 – here’s what the data shows

According to new modelling by PropTrack (via realestate.com.au), if recent growth trends continue, house prices in many parts of Australia could double by 2030.

📊 Some key highlights:
• Sydney house prices could reach around $2.4 million
• Brisbane & Adelaide medians could push well beyond $1.4–$1.5 million
• Many suburbs across Australia are already on a trajectory to double in value if supply shortages and demand trends persist

⚠️ Important to note:
This is not a prediction, but modelling based on repeating the strong growth seen over the last 5 years. Still, it clearly highlights the impact of:
✔️ Ongoing housing supply shortages
✔️ Strong population growth
✔️ Long-term demand for Australian property

💡 What this means for buyers & investors:
Waiting on the sidelines could mean facing higher prices later, while planning early even in uncertain markets may create long-term advantages.

As always, the right strategy depends on your personal situation, borrowing capacity, and goals.

📩 If you’re thinking about buying your first home or investing, let’s talk and plan smart.



PLANWAY
📞 [0466865747]
📩[email protected]

https://www.realestate.com.au/news/aussie-house-prices-will-double-by-2030-in-many-areas-modelling-shows/

27/12/2025

📊 What’s likely to happen to Australian house prices in 2026 🇦🇺

A recent business feature from ABC News discussed the outlook for property values next year, and the main takeaway is that prices are expected to keep rising in 2026, continuing the momentum of the current housing market boom. 📈 

🏠 Here’s what experts are saying:
• Property prices are forecast to reach new record highs in most capital cities in the coming year, driven by strong demand and limited housing supply, making affordability an ongoing challenge for buyers. 
• The market has remained robust even as interest rates have shifted, with low supply, population growth and income improvements helping to sustain price growth. 
• Analysts also note that rising rents and ongoing demand from buyers continue to support homeowner confidence and valuation levels. 

📍 What this means for buyers & investors:
✔️ Sellers may continue to see strong demand and rising sale prices
✔️ First-home buyers may find affordability more challenging
✔️ Investors looking for growth should watch local market conditions closely

Overall, while economic conditions and interest-rate outlooks can change, the current consensus points to continued upward pressure on house prices through 2026, especially where supply remains tight. 

📩 Thinking about buying or investing next year? Let’s talk strategy so you’re ready for what’s ahead! 🏡💬

Subscribe: https://ab.co/3yqPOZ5 Read more here:Australia is in the midst of a housing boom. Home prices have been rising in every capital city, driven b...

27/12/2025

Is Australia likely to raise interest rates in 2026?
The honest answer is: it’s uncertain but possible. Here’s what the latest forecasts and expert commentary are saying:

🌟 Main expectations

🔹 RBA may hold rates through much of 2026:
Many economists and analysts now expect the Reserve Bank of Australia (RBA) to keep the official cash rate steady at around 3.60% through most of 2026, especially if inflation continues gradually easing but still above the target range. 

🔹 Possible rate rises priced by markets:
Financial markets and some banks are starting to price in a potential rate hike later in 2026 if inflation remains stubborn. In fact, recent reports suggest inflation pressures have increased, leading to discussion that the RBA may need to tighten policy further to keep price growth under control. 

🧠 What the forecasts say

📌 Commonwealth Bank economists now think the RBA could raise rates early in 2026, such as in February, to help bring inflation closer to the target band. 

📌 Other forecasts are more cautious, with some banks (like NAB and CBA) predicting potential increases, while others (like Westpac and ANZ) expect no change or even stability rather than hikes. 

💭 So what does it mean for you?

• 📈 Rate rises are possible if inflation proves persistent.
• 🔒 Rate holds are the base case for many economists, meaning the RBA might simply keep the cash rate unchanged.
• 📊 Predictions vary widely across economists and banks, signaling that the economic outlook is still very data-dependent and uncertain.

In short: Australia may not automatically raise rates in 2026, but the possibility is real and growing, especially if inflation stays higher than expected. Most forecasts now lean towards a period of rate stability, with select forecasts tipping a small hike later next year.

23/12/2025

CBA to refund $68 million in fees to low-income customers

Commonwealth Bank has announced it will refund $68 million in excessive fees charged to low-income customers and Centrelink recipients, following pressure from ASIC.

Initially, CBA’s CEO had declined to follow other major banks that agreed to refund similar fees last month. However, the bank has since reversed its position, with refunds expected to be paid from early next year.

It’s worth noting that this $68 million refund represents only a portion of the total $270 million in fees charged by CBA and its subsidiary Bankwest over the period in question.

This decision highlights the growing regulatory focus on fair treatment of vulnerable customers and increased accountability across the banking sector.

📌 If you or someone you know may be affected, it’s worth keeping an eye out for communications from the bank regarding refunds.

Commonwealth Bank will refund $68 million in excessive fees charged to low-income customers and Centrelink recipients after pressure from ASIC. The bank's CE...

23/12/2025

Australian housing prices are expected to keep rising in 2026 — largely because there simply aren’t enough homes available relative to demand. A persistent shortage of supply, combined with strong demand from population growth, recent interest rate cuts, investor activity and government home-buyer schemes, is keeping upward pressure on prices across major cities and regional markets. The lack of new housing coming to market has tilted conditions in favour of sellers, helping maintain strong price momentum. Even though some factors like tighter lending rules and a pause in rate cuts could slightly slow growth, overall prices are still forecast to climb further into next year.