Becky Baker Mortgage & Finance Broker

Becky Baker Mortgage & Finance Broker Want to reach your financial goals but don’t know where to start? We can help with home, car, personal & construction loans. Book a call with us today

🚨 RBA RATE RISE 🚨The RBA has increased the cash rate again — now sitting at 4.35%.For many Australians, this could mean:...
09/05/2026

🚨 RBA RATE RISE 🚨

The RBA has increased the cash rate again — now sitting at 4.35%.

For many Australians, this could mean:
• Higher repayments
• Reduced borrowing power
• More pressure on household budgets

But here's the important thing…

A rate rise doesn't mean you're out of options.

Now is the perfect time to:
✔ Review your current loan
✔ Check whether your rate is still competitive
✔ Make better use of your offset account
✔ Explore refinance opportunities

If you'd like to understand how this latest increase could affect you, feel free to reach out for a chat.



DISCLAIMER:
This content is general information only and not financial advice.
Rebecca Baker is an Authorised Credit Representative (CR No. 522715) of Australian Finance Group Ltd ACN 066 385 822, Australian Credit Licence 389087.

The federal government’s Help to Buy shared equity scheme is now live, offering up to 40,000 Australians the opportunity...
06/02/2026

The federal government’s Help to Buy shared equity scheme is now live, offering up to 40,000 Australians the opportunity to enter the property market with as little as a 2% deposit and without paying Lenders Mortgage Insurance (LMI).

How Help to Buy Works:
- You contribute a 2% deposit
- The government contributes up to 30% on established properties or 40% on new builds
- The remainder is borrowed through a participating lender
- The government becomes a co-owner of the property via an equity share
- You can buy back the government’s share over time or when you sell
- Strict income caps apply
- Only two lenders are offering it at launch, with just one accessible via brokers

Help to Buy may suit some buyers but not everyone. Factors to consider include:
- How shared equity affects future borrowing options
- Whether buying back the government’s share aligns with long-term goals
- Implications if your income exceeds thresholds
- Property value changes over time
- Whether other grants or schemes may be more suitable

How SPECK Finance Can Help:
We provide guidance to help you make informed decisions:
- Understand the Help to Buy scheme
- Compare it to other options like the 5% First Home Guarantee
- Assess your long-term financial goals
- Review lender access and eligibility
- Model repayments and outcomes

With limited lender access at launch, getting advice early is key to avoiding delays or missed opportunities.

📲 M: 5546 9278
💻 E: [email protected]
👩🏼‍💻 W: https://speckfinance.com.au/

Rebecca Baker is an Authorised Credit Representative (CR No. 522715) of Australian Finance Group Ltd ACN 066 385 822, Australian Credit Licence 389087.

Entering the property market can feel daunting, especially for first home buyers. Saving for a deposit, understanding re...
06/02/2026

Entering the property market can feel daunting, especially for first home buyers. Saving for a deposit, understanding repayments, and navigating government schemes can be overwhelming. The federal government’s Help to Buy shared equity scheme is designed to make this journey easier, allowing up to 40,000 Australians to buy a home with as little as a 2% deposit and no Lenders Mortgage Insurance (LMI).

Here is how it works. You contribute a 2% deposit, the government adds up to 30% for an established property or 40% for a new build, and the remainder is borrowed through a participating lender. The government holds a co-ownership share, which you can buy back over time or when you sell. Income caps apply, and only a small number of lenders participate, with just one accessible via brokers.

Help to Buy can be a great option, but it is not for everyone. Consider how shared equity could affect future borrowing, whether buying back the government’s share fits your long-term plans, what happens if your income grows beyond the limits, and how property values may change. Other programs, like the 5% First Home Guarantee, may sometimes be a better fit.

At SPECK Finance, we guide first home buyers through all of this. We help you understand the scheme, compare it to other options, assess your goals, check eligibility, and model repayments. Fees and charges apply. Early advice is key, as limited lender access can create delays if you leave it too late.

Our goal is to make the first home buying process less stressful and more manageable. We focus on clear communication, realistic expectations, and helping you make confident decisions. With the right guidance, Help to Buy can be a valuable step toward home ownership.

📲 M: 5546 9278
💻 E: [email protected]

👩🏼‍💻 W: https://speckfinance.com.au/

Rebecca Baker is an Authorised Credit Representative (CR No. 522715) of Australian Finance Group Ltd ACN 066 385 822, Australian Credit Licence 389087.

RBA Rate Hike Alert: What It Could Mean for Your Mortgage and BudgetIf your household budget already feels tight, you’re...
05/02/2026

RBA Rate Hike Alert: What It Could Mean for Your Mortgage and Budget

If your household budget already feels tight, you’re not alone. With the Reserve Bank increasing the cash rate by 0.25%, many lenders are passing this on to variable home loans, which may raise your repayments once applied.

Example impact (for illustration only):
- $500,000 home loan → repayments may rise ~$75–$80/month
- $693,000 average household loan → repayments may rise ~$100–$110/month

The exact effect depends on your interest rate, loan type, remaining term, and features. Higher rates can also reduce borrowing power, which may affect future plans like renovations, upgrading, or investing.

Fixed vs Variable: What to Consider
There’s no one-size-fits-all answer. Fixed rates give repayment certainty, while variable rates offer more flexibility (extra repayments, redraw) but can change over time. We can review options, including splitting or fixing a portion of your loan, based on your goals and cash flow.

📲 M: 5546 9278
💻 E: [email protected]
👩🏼‍💻 W: speckfinance.com.au

Assumptions: Estimates assume a 25-year principal & interest loan, no annual fees, and a 0.25% rate increase. Repayments are indicative, calculated using standard loan amortisation, and exclude lender/package fees or individual product differences.

Example product: Variable rate home loan (intro rate 5.39% p.a. for 12 months, then 5.64% p.a. revert). Comparison rate 5.775% p.a. – may vary with different terms, fees, or loan amounts.
Disclaimer: General information only; does not consider your personal objectives, financial situation, or needs. Fees and charges apply.

Rebecca Baker, Authorised Credit Representative (CR No. 522715), Australian Finance Group Ltd, ACN 066 385 822, Australian Credit Licence 389087.

When clients say things like this, it reminds us why we do what we do. At SPECK Finance, we’re committed to going the ex...
02/02/2026

When clients say things like this, it reminds us why we do what we do. At SPECK Finance, we’re committed to going the extra mile, exploring every option, staying available, and supporting you at every stage. Thank you to our amazing clients for trusting us with your finance journey. Your feedback means the world to us, and we look forward to supporting you for years to come!

Want a broker who puts your needs first? Let’s chat about how we can help you achieve your goals.

📲 M: 5546 9278
💻 E: [email protected]
👩🏼‍💻 W: https://speckfinance.com.au/

Rebecca Baker is an Authorised Credit Representative (CR No. 522715) of Australian Finance Group Ltd ACN 066 385 822, Australian Credit Licence 389087.



🏡 Off-Market Opportunity – Yarrabilba We have a great off-market opportunity with a real estate agent we work closely wi...
02/02/2026

🏡 Off-Market Opportunity – Yarrabilba

We have a great off-market opportunity with a real estate agent we work closely with. This 3-year-young home has 4 bedrooms, 2 bathrooms, and 2 living areas on a low-maintenance 260m² block, making it a flexible option for investors, first home buyers, or downsizers.

With an asking price of $820,000, it’s an opportunity worth exploring if you’re looking to step into the property market or add to your investment portfolio. Low-maintenance homes like this can make day-to-day life easier, giving you more time to enjoy what matters most.

If you’re interested, please send a private message with your details, and the agent will reach out directly with more information. Whether you’re planning your first purchase or considering your next investment, this could be the property for you.

📲 M: 5546 9278
💻 E: [email protected]
👩🏼‍💻 W: https://speckfinance.com.au/

Rebecca Baker is an Authorised Credit Representative (CR No. 522715) of Australian Finance Group Ltd ACN 066 385 822, Australian Credit Licence 389087.

Mortgage Tip: Get Pre-Approved Before You Shop 🏡 If you are thinking about buying a home, getting pre-approved for a mor...
01/02/2026

Mortgage Tip: Get Pre-Approved Before You Shop 🏡

If you are thinking about buying a home, getting pre-approved for a mortgage is one of the smartest first steps you can take. A pre-approval is not just a number it gives you a clear picture of your borrowing power and confidence when making one of life’s biggest purchases.

Pre-approval involves a lender reviewing your financial situation including income, expenses, credit history, and savings to give you an indication of how much they could lend. This helps you set a realistic budget so you are not looking at properties out of reach and shows sellers that you are a serious buyer. In a competitive market, a pre-approval can give you an advantage because it demonstrates that you are ready to move forward.

It is important to note that pre-approval is not a final loan approval. Circumstances can change so staying on top of your finances and keeping documentation up to date is crucial. Having this step completed early means you can act quickly when you find the right property and avoid delays in the purchase process.

Even if you are just starting to explore your options, a pre-approval is a practical tool that sets you up for success. It helps you understand your options, plan for additional costs such as stamp duty and fees, and negotiate from a position of knowledge and confidence.

Tip Speak with a mortgage professional to understand the best pre-approval option for your situation. It could save you time, stress, and money.

📲 M: 5546 9278
💻 E: [email protected]
👩🏼‍💻 W: https://speckfinance.com.au/

Rebecca Baker is an Authorised Credit Representative (CR No. 522715) of Australian Finance Group Ltd ACN 066 385 822, Australian Credit Licence 389087.

Is your home loan still the best fit for you, or is it time to take another look? Many homeowners set up their mortgage...
30/01/2026

Is your home loan still the best fit for you, or is it time to take another look?

Many homeowners set up their mortgage and then forget about it, but regular reviews can reveal ways to save money, reduce stress, and make sure your loan matches your current needs. If you are noticing higher interest rates, your financial goals have changed, or your loan is missing helpful features, it might be worth exploring your options.

Refinancing is not just about finding a lower rate, although that can definitely help your monthly budget. It is also about making sure your loan structure works for your lifestyle. Maybe you are planning a renovation, thinking about buying an investment property, or simply want more flexibility and better features in your loan. If you are managing several debts, combining them into your home loan can make life simpler and may lower your total interest costs.

While refinancing is not always the right move for everyone, but it is smart to stay informed and review your options regularly. The right timing can make a big difference in your savings, so do not wait until you feel stuck. Taking action early can help you get ahead and improve your financial wellbeing.

Swipe through this carousel to learn the key signs it might be time to review your loan. Remember, a quick conversation with your broker can help you decide if refinancing is the right step for you.

📲 M: 5546 9278
💻 E: [email protected]
👩🏼‍💻 W: https://speckfinance.com.au/

Rebecca Baker is an Authorised Credit Representative (CR No. 522715) of Australian Finance Group Ltd ACN 066 385 822, Australian Credit Licence 389087.

29/01/2026

Bridging loans do not have to be scary. At Speck Finance, we help our clients move from one home to another without missing a beat. It is natural to feel uncertain about timing, repayments, or how much you can borrow, and that is where we step in. We guide you through the process, answering questions and keeping everything simple so you can focus on the excitement of your new home.

The most rewarding part for us is seeing our clients’ relief and joy when everything falls into place. Knowing they can move seamlessly from one home to another without the stress of juggling settlements makes all the planning worthwhile.

If you are considering a bridging loan, do not let it intimidate you. With the right guidance, planning, and support, it is just another step toward achieving your property goals. Every successful transition is a reason to celebrate, and we love being part of that journey.

📲 M: 5546 9278
💻 E: [email protected]
👩🏼‍💻 W: https://speckfinance.com.au/

Rebecca Baker is an Authorised Credit Representative (CR No. 522715) of Australian Finance Group Ltd ACN 066 385 822, Australian Credit Licence 389087.

Will a new vehicle jump-start your earnings? Upgrading your work car, ute, or van is not just about getting from A to B....
25/01/2026

Will a new vehicle jump-start your earnings?

Upgrading your work car, ute, or van is not just about getting from A to B. The right vehicle can boost your efficiency, help you take on more jobs, and even enhance your professional image. But buying a new vehicle outright can put pressure on your cash flow, especially when you are growing your business.

That is where asset finance comes in. At SPECK Finance, we specialise in helping business owners secure finance for vehicles and equipment that keep their business moving forward. We compare a wide range of lenders, not just the big banks, to find options that suit your needs and budget. Our goal is to help you access competitive rates, flexible terms, and a smooth approval process without unnecessary hassle.

We know how busy life gets, so we handle the paperwork, explain your options in plain language, and keep you updated at every step. Whether you need a single vehicle or a fleet, we can tailor a solution that works for you.

Ready to see how a new set of wheels could drive your business to new heights? Reach out for a no obligation chat and let us show you what is possible.

📲 M: 5546 9278
💻 E: [email protected]
👩🏼‍💻 W: https://speckfinance.com.au/

Rebecca Baker is an Authorised Credit Representative (CR No. 522715) of Australian Finance Group Ltd ACN 066 385 822, Australian Credit Licence 389087.

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Jimboomba, QLD

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61492820630

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