CoastFin Finance

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...

14/07/2026

🎙️ Luke recently joined Mai Harris from My Accounting Advantage as a guest on her podcast for an insightful conversation about the lending landscape after the changes to the budget, and what it really takes to achieve your property goals in today's market.

The episode covers everything from borrowing strategies and refinancing through to common mistakes people make when applying for finance, along with practical tips to help listeners make informed decisions with confidence.

Whether you're a first home buyer, investor, self-employed or simply wondering if your current loan is still working for you, there's plenty of value packed into this episode.

A big thank you to Mai for having Luke on the podcast!

🎧 Listen now via the link in our bio and let us know your biggest takeaway in the comments.

09/07/2026

Your home loan shouldn’t be something you set and forget.

Since you first took out your loan, things may have changed:
✓ Interest rates have moved
✓ Your property value may have increased
✓ Your financial goals may have changed

A quick Home Loan Health Check could help identify opportunities to:
💰 Save on interest
📉 Improve your repayments
🏡 Access equity
🎯 Make sure your loan still suits your goals

Not sure if your loan is still working for you?
📩 Book your complimentary CoastFin Home Loan Health Check today.

02/07/2026

Owning a home is one thing. Paying it off sooner is another.

The good news? You don't necessarily need to make huge extra repayments to get ahead. Small, consistent changes like using an offset account, making extra repayments or simply reviewing your loan can make a meaningful difference over time.

The best strategy depends on your goals, lifestyle and loan structure.

If you haven't reviewed your home loan recently, we'd love to help.

📩 Get in touch with the CoastFin team for a complimentary home loan review and let's see if there are opportunities to help you save.