Simply Finance Solutions

23/04/2026

17/03/2026

The RBA have risen rates again .25%. Can say definitely I am not happy.
Approximately 33% of Australians are renting and mostly will not be affected by this rise in their weekly rent, as new state (by state) rules, say that you can only increase rents once per year, so investors will need to wear this increase themselves. They will be affected by other rising costs but keeping the roof over their head will not be largely affected.
Approximately 30% of Australians own their home outright and won't be affected by the mortgage rate rise, but will be affected everywhere else they go. So they will need to review their budget.
Approximately 2% are in government housing so they already are trying to keep their head above water. They definitely dont need any more rising costs
Approximately, 35% of Australians are mortgage holders (owner occupiers and investors) and now wear the brunt of this rise. They are primarily carrying this increase.
The RBA will rationalise and tell you that this rise will affect all finance sectors and reduce personal borrowing and commercial borrowing too. These sectors (personal loans and commercial) have very wide parameters and the costs of currency can vary the interest rate to suit the risk profile of the borrower. It is not a cookie cutter interest rate like a mortgage. The rate varies with each loan.
Personal lending can vary by up to 8% in the interest rate or more depending on the risk rating of the borrower, (personal or company) and/or the project and often is a shorter loan term so the higher interest rate has a lesser affect on the overall borrowings. It is the compounding interest rate of a mortgage that creates the pain.
If the two markets were split and mortgage rates were kept on hold, and other borrowings , personal loans, credit cards, car loans. etc were to receive the rate increase, it would create a true halting of spending as this is discretionary spending and this is where you want people to pull back. You want people to keep the roof over their heads. We can all get the bus or train to work, we can all pull back on takeaway, but we all need a roof over our heads.

Call now to connect with business.

11/03/2026

It’s a question many homeowners are asking right now:
Is it better to renovate… or sell and move?

A few things worth considering:
• Renovating: Could increase your property’s value and save the costs of moving
• Selling: Might allow you to upgrade sooner or move to a more suitable location
• Refinancing: Your current home loan could potentially help fund renovations

At Simply Finance Solutions, we’re always happy to help our clients explore their options and run the numbers.

To find out more call Karen on 0408 943 903 or email [email protected]

05/02/2026

A great home loan isn’t just about the interest rate.

It’s about:
✔ Flexibility
✔ Future plans
✔ Cash flow
✔ Peace of mind

At Simply Finance Solutions, we take the time to understand your full picture — so your loan supports your life, not stresses it.

To find out more call Karen on 0408 943 903 or email [email protected]

03/02/2026

Still on the same home loan from years ago? You could be paying more than you need to.

A quick refinance review could help you:
• Reduce repayments
• Access equity
• Improve loan features

Let’s make sure your loan still suits you today — not 5 years ago.

To find out more call Karen on 0408 943 903 or email [email protected]

28/01/2026

Banks work for banks.

We work for you.

We compare multiple lenders to find a home loan that actually fits your life — not a one-size-fits-all solution.
✔ Competitive rates
✔ Flexible options
✔ Ongoing support

Because your home loan should work as hard as you do.

To find out more call Karen on 0408 943 903 or email [email protected]

22/01/2026

Buying your first home can feel overwhelming… but it doesn’t have to be.

At Simply Finance Solutions, we guide you through every step — from understanding your borrowing power to picking the right loan and settlement day.

No jargon. No pressure. Just clear advice and real support.

Contact us to start your home journey with confidence.

To find out more call Karen on 0408 943 903 or email [email protected]

20/01/2026

Home loans don’t have to be complicated.

We keep things clear, calm, and tailored to you.

To find out more call Karen on 0408 943 903 or email [email protected]

14/01/2026

Outgrowing your current home?

Whether you’re upsizing, relocating, or planning your next move, we’ll help you:
• Understand your options
• Coordinate the timing
• Find a loan that supports your next chapter

Because moving home should feel exciting — not stressful.
Let’s chat when you’re ready.

To find out more call Karen on 0408 943 903 or email [email protected]

13/01/2026

Still on the same home loan you took out years ago?

Your circumstances may have changed — and so may the options available to you.

A quick review could mean:
✔ A better rate
✔ Lower repayments
✔ A loan that fits your life now
Let’s see if your home loan is still working for you.

Message us to book a review.

To find out more call Karen on 0408 943 903 or email [email protected]