CoastFin Finance

29/09/2026

📣 The Reserve Bank of Australia has increased the official cash rate by 0.25%, taking it from 4.35% to 𝟰.𝟲𝟬%.

So, what does this mean for you?

A higher cash rate doesn’t necessarily mean you’re stuck with higher repayments. Your current lender, loan structure and available rates can all make a difference.

It could be a good time to review your home loan and make sure it’s still working for you.

At CoastFin, we can help you understand your options, compare what’s available and work out whether there’s an opportunity to improve your position.

📞 Want to know what today’s rate increase could mean for your home loan? Get in touch with the CoastFin team today.

Finance Made Simple.

24/09/2026

We’re getting closer to the Sydney Home Show, and the CoastFin team would love to see you there.

If you’re thinking about buying, renovating, investing or simply want to know more about your finance options, come and have a chat with us.

Plus, we’ll have 𝗙𝗥𝗘𝗘 𝗵𝗼𝗺𝗲 𝗹𝗼𝗮𝗻 𝗲-𝗴𝘂𝗶𝗱𝗲𝘀 to take away and you can enter our competition to 𝗪𝗜𝗡 𝗮 𝗡𝗶𝗻𝗷𝗮 𝗪𝗼𝗼𝗱𝗳𝗶𝗿𝗲 𝗢𝘂𝘁𝗱𝗼𝗼𝗿 𝗢𝘃𝗲𝗻 𝗽𝗮𝗰𝗸𝗮𝗴𝗲!🔥

📍 ICC Sydney
📅 9–11 October

Come and say hello to Luke and the CoastFin team - we’d love to meet you! 👋

17/09/2026

A little cheeky from one of the majors… 👀

NAB has moved on some of its fixed home loan rates before the RBA has even met again.

Why does that matter?

Because higher rates don’t just mean higher repayments - they can also reduce borrowing capacity and slowly eat away at the savings buffers households have worked hard to build.

It’s also a good reminder that banks don’t have to wait for the RBA to move.

If you’re thinking about buying, refinancing, accessing equity, or you simply haven’t reviewed your home loan for a while, now is a good time to understand where you stand.

📩 Reach out if you’d like us to take a look at your current position.

03/09/2026

You might be wasting your offset account

Having an offset account doesn’t automatically mean you’re making the most of it.

There are a few simple things worth checking, from whether it’s linked to the right loan, to how much you’re keeping in it and whether the fees still make sense.
Even small details can make a difference over the life of your home loan.

👉 Swipe through for 4 things to check.

And if you’re not sure whether your current home loan is still working as hard as it could, we’re happy to take a look.

17/08/2026

We’re heading to the Sydney Home Show! 🏠

Don’t miss the ultimate event for all things home improvement, renovation, and design!

Come and see the CoastFin team, Luke & Bree, and have a chat about how we can help with your home loan needs.

📅 𝗦𝗮𝘃𝗲 𝗧𝗵𝗲 𝗗𝗮𝘁𝗲: Friday 9 - Sunday 11 October 2026
📍 𝗜𝗻𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗖𝗼𝗻𝘃𝗲𝗻𝘁𝗶𝗼𝗻 𝗖𝗲𝗻𝘁𝗿𝗲, Darling Harbour
🎟️ 𝗘𝗻𝘁𝗿𝘆 𝗶𝘀 𝗙𝗥𝗘𝗘! Get your ticket here: homeshows.com.au/sydney

We’d love to see you there! 👋

11/08/2026

The Reserve Bank of Australia has decided to keep the cash rate on hold at 4.35%.

After three rate increases earlier this year, today’s decision provides some stability for Australian households and businesses, while the RBA continues to monitor inflation, economic activity and the housing market.

🏠 What does this mean for you?
If you’re considering buying, refinancing or reviewing your home loan, now is a good time to understand your options.

Need to know what the current market means for your lending position? Get in touch with our team today.

05/08/2026

Don’t wait for the RBA to give you a rate cut - you may be able to create one yourself.

Many borrowers are waiting for interest rates to fall before reviewing their mortgage. Meanwhile, lenders are competing for new customers and there may already be better options available.

A home loan review could help you:

✅ Secure a more competitive interest rate
✅ Reduce your monthly repayments
✅ Consolidate or restructure existing debts
✅ Access useful loan features
✅ Make sure your lending still suits your current goals

And if you refinance to a competitive variable loan now, you may still receive the benefit of a future RBA reduction if rates eventually fall.

Refinancing isn’t automatically the right answer. The costs, loan term, structure and overall benefit all need to be carefully considered.

But waiting without reviewing your options could be costing you money.

When was the last time your mortgage had a proper health check?

Send me a message and let’s find out whether there is an opportunity to improve it.

29/07/2026

📉 Inflation has eased - but does that mean interest rate relief is on the way?

The latest inflation figures are a step in the right direction, but inflation remains above the Reserve Bank’s target range. For mortgage holders, this means the RBA may keep rates higher for longer while it waits for clearer evidence that price pressures are under control.

The key message? Don’t put your financial plans on hold waiting for the next RBA decision.

A review of your current rate, lender and loan structure could identify opportunities to reduce interest costs or improve your cash flow now.

📩 Reach out to the CoastFin team for a home loan health check.

17/07/2026

After several years of rapid price growth, we're seeing some parts of the Australian property market begin to stabilise. That could create opportunities for buyers who have been waiting on the sidelines.

While every suburb and city behaves differently, reduced competition can mean:
✔️ More properties to choose from
✔️ More negotiating power
✔️ Less pressure to make rushed decisions

The right time to buy isn't about perfectly timing the market, it's about understanding your finances and being prepared.

If you're wondering what you could borrow or whether now is the right time for you, CoastFin is here to help.

📞 Get in touch for a free borrowing assessment.

16/07/2026

🏃‍♂️ Our Founder and Director, Luke Talbot, is running the 2026 City2Surf for Parkinson’s NSW

On Sunday, 9 August, Luke will once again take on the City2Surf — this year in support of a cause that is incredibly close to his heart.

Luke is raising funds for Parkinson’s NSW in honour of his dad, after seeing firsthand the impact Parkinson’s disease can have on both the person living with it and the family and friends supporting them.

Parkinson’s affects far more than movement. It can also impact independence, confidence, emotional wellbeing and everyday quality of life.

Through this year’s run, Luke is hoping to raise awareness and support Parkinson’s NSW in continuing its important work providing education, advocacy, connection and support to people living with Parkinson’s and their families.

The CoastFin team is incredibly proud to support Luke as he runs for his dad and for everyone affected by Parkinson’s.

Every donation, no matter the size, will help make a difference.

💙 Support Luke’s City2Surf fundraiser here:

https://city2surf26.grassrootz.com/parkinson-s-nsw/luke-talbot

Hi there This year, I’m taking on the City2Surf again, but this time it’s for a cause that is very close to my heart: Parkinson’s NSW. I’m fundraising in honour of my father, after seeing firsthand the impact Parkinson’s disease has on both the person living with it and the people who love...