Mortgage Choice - Mila Cross

25/03/2026

📈 Rates rising doesn’t always mean refinance is the answer…

I get it — as soon as rates go up, the first thought is:
“Should I refinance?”

But here’s the part most people don’t realise 👇

💡 Refinancing isn’t free

There can be costs involved like:
• Discharge fees from your current lender
• Application/settlement fees with the new lender
• Government fees
• Potential break costs (if you’re on a fixed rate)

👉 And sometimes… those costs can actually outweigh the savings from a lower rate — especially if the rate difference is small or you’re planning to sell/refinance again in the near future.

⚖️ It’s not just about chasing the lowest rate — it’s about the bigger picture

Before refinancing, you need to look at:
✔️ How much you’ll actually save
✔️ How long it will take to recoup the costs
✔️ Your long-term plans
✔️ Features you might gain or lose

Sometimes the best move is:
✔️ Renegotiating with your current lender
✔️ Making small strategy tweaks
✔️ Or simply staying put (yes… really!)

📊 Smart lending isn’t reactive — it’s strategic

If you’re unsure whether refinancing actually makes sense for you, let’s run the numbers properly before making a move.

Because the goal isn’t just a lower rate…
It’s a better outcome 💪

21/03/2026

Let’s be honest… my best clients come from referrals from my best clients 💁‍♀️

Good people know good people — and I love helping your friends, family and workmates get the same great outcomes.

So if someone pops into your head right now… send them my way 👀

I’ll take care of them from start to finish.

18/03/2026

Another rate rise… and cue the messages flooding in 👀📈

“Should I fix?”
“Should I stay variable?”
“Is this the peak?”

Honestly… if I had a crystal ball, I’d be on a beach somewhere not answering emails 😂

The truth is — no one can predict exactly what rates will do next. Not the banks, not the economists, not even the Reserve Bank of Australia.

What we can do is make a smart decision based on your situation, your risk tolerance and your goals.

Here’s the real breakdown 👇

🔒 Fixing your rate:
✔️ Certainty in repayments (great for budgeting)
✔️ Protection if rates continue to rise
❌ Less flexibility (break costs can sting)
❌ You could miss out if rates drop

📊 Staying variable:
✔️ More flexibility (extra repayments, redraw, refinancing)
✔️ Benefit if/when rates come down
❌ Repayments can increase further
❌ Less predictability month-to-month

Right now, we’re seeing a lot of clients take a split loan approach — part fixed, part variable — to balance certainty and flexibility.

But there is no “one size fits all” answer here.

If you’re feeling unsure, overwhelmed or just want to know your options — reach out. That’s what I’m here for 💛

14/02/2026

27/01/2026

Today, my partner in crime and I had the privilege of joining Mortgage Choice Aspire at the Australian Open.
It was a fantastic opportunity to experience something new and be part of a truly memorable premium event.
A sincere thank you to Mortgage Choice and the team at Mortgage Choice Aspire for the invitation and hospitality. The food at Bistro by SK Steak & Oyster was exceptional and truly a highlight of the day.
Moments like these are just another reason we’re proud to be Mortgage Choice franchise owners.
Mortgage Choice - Mila Cross

01/01/2026

Happy New Year 2026 🥂
The Year of the Fire Horse represents drive, courage, and positive change — the perfect energy to start the year strong.

We’re grateful to everyone who trusted Mortgage Choice with their journey in 2025 and look forward to helping more people take confident steps toward their goals in the year ahead. ✨

27/12/2025

Money doesn’t need to feel confusing or stressful.

A budget isn’t about saying no — it’s about giving your money direction.
It’s the difference between wondering where did it all go? and confidently knowing where it’s going next.

Budgeting and goal setting go hand in hand.
When you’re clear on your goals — whether that’s buying a home, building savings, reducing debt, or creating more freedom — your money starts working with you, not against you.

When you understand:
✔️ what’s coming in
✔️ what’s going out
✔️ what you’re working toward

you gain control, clarity, and confidence with your finances 💰✨

If money feels chaotic, the first step isn’t restriction — it’s awareness and setting clear, realistic goals.
Because when your money has a plan and a purpose, progress becomes intentional.

📊 Budgeting is the foundation.
🎯 Goals give your money meaning.
💸 Direction creates freedom.

If you’re ready to set clear financial goals and create a plan to reach them, I’m here to help.

23/12/2025

A huge thank you to all my clients for your continued support throughout the year. I love helping people reach their financial goals and work toward financial freedom, and it honestly brings me so much joy working alongside you and watching you smash what you set out to achieve.

01/12/2025

The Labor Federal Government's shared equity scheme to help you buy your home for both new and existing homes. Updated income caps for 2025.

30/11/2025

Whether you're upsizing, downsizing, relocating, or staying right where you are, there's a lot to think about when it comes to making your next home loan move. I can help you understand your financial options so you can make an informed decision to suit your circumstances and goals. 🏡

Let’s chat today.

0437 220 497
[email protected]

22/11/2025