Mom and Dad Finance

06/09/2026

Quick question: when did your lender last cut YOUR rate?
If the answer's "never," you're not imagining it.

Right now 43 lenders sit under 6%, the sharpest at 5.69%, but here's the catch almost nobody mentions: those cuts are for new customers. Stay loyal, and your rate quietly sits still while newcomers get the deal. That's the loyalty tax.

The fix is simpler than you'd think:

Ask your lender to match the market
Or refinance and become the "new customer" yourself

Yes, switching means some paperwork and maybe $1,000+ in fees, but on a big loan, a sharper rate can win that back in months.

The RBA isn't handing out relief. This price war is, but only if you go and claim it.

That's exactly what we help you check.
General information only, not personal financial advice.

(Source: Canstar, 31 July 2026)

Call Us: 61 0449609191
Click the link in bio



Best Mortgage Broker Australia | Refinance Home Loan Australia | Home Loan Rates Australia | Mortgage Advice Australia | Property Finance Australia

27/08/2026

Some people help you dream bigger.
Some help you make it happen.

And sometimes, they’re the ones who have been standing beside you all along.
From your first big decision to the moments that shape your future, the right people make every journey easier.

This Raksha Bandhan, we’re celebrating the bonds that give us the confidence to take the next step, in life, and towards the place we call home.

Mom & Dad Finance wishes you and your family a very Happy Raksha Bandhan.

21/08/2026

Most borrowers think their credit file only matters when something goes wrong.

That's no longer the case.

With Comprehensive Credit Reporting (CCR), lenders can now see more than just defaults and missed payments.
They can also see:
→ Your repayment history.
→ How consistently you manage credit.
→ The types of credit accounts you hold.
→ Whether you've built a strong borrowing track record over time.

That means good financial habits may work in your favour when applying for a home loan.

Before applying, it's worth understanding what lenders can see and how your credit profile may affect your options.

At Mom & Dad Finance, we help borrowers understand their credit position and explore lending options with confidence.

General information only. This is not financial or credit advice.
Read the full blog on the Mom & Dad Finance website.
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Call Us: 61 0449609191
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11/08/2026

The RBA has kept the cash rate on hold at 4.35%.
For many borrowers, that feels like a sign to wait.

But the lending market doesn't stop when the RBA does.

Lenders continue adjusting rates, reviewing policies, and competing for quality borrowers. That means opportunities may still exist to refinance, improve your loan structure, or review your borrowing position.

Whether you're buying, investing, or already have a mortgage, understanding your options is often more important than trying to predict the next rate decision.

At Mom & Dad Finance, we help borrowers compare lenders, review existing loans, and make informed finance decisions based on their goals.

General information only. This is not financial or credit advice.

Call Us: 61 0449609191
Book a Free Chat: https://tinyurl.com/MomDadFinance

10/07/2026

Steepest monthly price fall in three and a half years.
So why are smart buyers getting excited?
Because the headline isn't the whole story.

Let's look at what actually happened.
National dwelling values dipped 0.4% in June, the softest month in 3.5 years, with Sydney and Melbourne leading the slowdown.

Auction clearance rates eased to around 47%.
But here's the bit that matters: the market isn't falling apart. Annual values are still up strongly this year, it's just catching its breath after one of the biggest run-ups in years.

Three RBA rate hikes and new investor tax settings have taken the heat out. Frantic has become manageable.

And that's genuinely good news if you're buying.
Less pressure at open homes and auctions.

More time to compare lenders properly instead of rushing.
And real openings in Sydney and Melbourne for buyers squeezed out these past couple of years.

The trick? Use this window, don't wait on the sidelines for it to pass.
A calmer market is the perfect time to get your finances sorted properly, not just quickly: know your real borrowing power, compare lenders, and structure a loan that holds up whatever comes next.

That's where a broker earns their keep.
General information only, not personal financial advice.

Read the full guide on the Mom and Dad Finance website. Link in bio.

Call Us: 61 0449609191
Click the link in bio



Best Mortgage Broker Australia | Refinance Home Loan Australia | Construction Loans Australia | Mortgage Advice Australia | Property Finance Australia | Australia Refinancing Home Loan Deals

04/06/2026

Property forecasts are split.
Prices could fall 15% by 2030, yet short-term growth is still expected.

That’s where most buyers get stuck.
Borrowing power is already down 10%, and lending rules are tighter.

At the same time, Australia faces a 380,000 home shortfall by 2030.
So demand isn’t disappearing.

The risk isn’t timing the market wrong.

It’s ending up with a loan that can’t handle change.
→ Higher repayments
→ Less flexibility
→ Reduced future borrowing

Structure matters more than speculation.
If your loan hasn’t been reviewed recently, you could be exposed.

What’s your biggest concern right now - repayments, borrowing limits, or loan structure?
Book a consultation or read the full article on our website.
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Melbourne property market | Housing supply Australia | Housing shortage Australia | Australian housing market forecast

09/04/2026

04/01/2026

Australian home sellers just hit record profits.
In Sept 2025, 95.5% of resales made a gain.

Cotality reports the median resale profit at $335,000, the highest ever.

Home values stayed at record highs for eight straight months.
Houses led the charge.

97.9% of houses sold for a profit, versus 90.6% of units, which made up 68.9% of all loss-making resales.
Location mattered.

Brisbane topped the capitals with 99.8% profitable sales and a $444k median gain, while regional markets outperformed capitals overall.

For borrowers, equity is up but timing matters.

Recent buyers face tighter buffers, and rate pressure is expected again in 2026.
→ Review your equity.
→ Stress-test your loan.
→ Make sure your structure still works.

At Mom & Dad Finance, we help borrowers make sense of moments like this.
Does your loan still hold up if rates rise and markets cool?

Read the full breakdown on our website or book a call for expert guidance.
Call Us: 61 0449609191
Book a Free Chat: https://tinyurl.com/MomDadFinance

02/01/2026

Vineeth reached out with one goal, securing a loan that actually fit his life, not just the numbers.

From day one, the focus was simple: clarity, honesty, and getting him the best possible outcome.
↳ We took time to understand his full financial picture.
↳ Reviewed every option without pressure or confusion.
↳ Stayed accessible at every step: calls, messages, updates.
↳ Negotiated hard to secure a rate far better than he expected.
That’s how good finance should feel: steady communication, genuine support, and a structure built for long-term confidence.

Here’s what Vineeth shared after the process:
➤ “Amit was professional, attentive and genuinely supportive throughout. He secured me a far better rate than I expected and guided me at every step. Best broker I’ve worked with.”

When someone feels heard, understood, and looked after the result is more than just an approval.
It’s peace of mind.

I’m Amit, founder of Mom and Dad Finance, helping Australians make confident, informed decisions about their property journey.

→ Ready for finance that actually works for you? Book a FREE discovery call today
Call Us: 61 0449609191
Book a Free Chat: https://tinyurl.com/MomDadFinance

24/12/2025

🎄 Wishing you a very Merry Christmas from all of us at Mom & Dad Finance. 🎄

This festive season, we’re grateful for the families and individuals who trusted us with their home loan and property finance decisions throughout the year.

As we look ahead to the New Year, our focus remains the same helping Australians make confident choices around home loans, refinancing, and property finance, with clear advice and genuine support every step of the way.

May your Christmas be filled with joy, good health, and time well spent with loved ones, and may the New Year bring new opportunities and fresh beginnings.

Warm festive wishes,
Team Mom & Dad Finance