Aussem Mortgage Solutions

19/10/2026

When was the last time you reviewed your home loan?

Many homeowners stay with the same lender for years, assuming they're already getting a competitive deal.

The reality? New customers are often offered incentives and rates that existing customers may not be receiving.

A quick review could help you understand whether your current loan is still working for you.

📩 Send us a message to book a home loan review.

14/10/2026

𝐓𝐡𝐞 𝐫𝐚𝐭𝐞 𝐫𝐢𝐬𝐞 𝐢𝐬 𝐨𝐧𝐞 𝐭𝐡𝐢𝐧𝐠. 𝐘𝐨𝐮𝐫 𝐫𝐞𝐩𝐚𝐲𝐦𝐞𝐧𝐭 𝐢𝐬 𝐚𝐧𝐨𝐭𝐡𝐞𝐫.

The RBA has raised the cash rate, and lenders have been repricing loans.

But here's what matters most:

𝐖𝐡𝐚𝐭 𝐝𝐨𝐞𝐬 𝐢𝐭 𝐦𝐞𝐚𝐧 𝐟𝐨𝐫 𝐘𝐎𝐔𝐑 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞?

Two people can have completely different outcomes depending on their:

- Loan balance
- Interest rate
- Loan term
- Loan type
- Lender
- Repayment structure

So instead of simply watching the next rate headline, take 5 minutes to understand your own numbers.

𝐘𝐨𝐮 𝐦𝐢𝐠𝐡𝐭 𝐛𝐞 𝐬𝐮𝐫𝐩𝐫𝐢𝐬𝐞𝐝 𝐛𝐲 𝐰𝐡𝐚𝐭 𝐲𝐨𝐮 𝐟𝐢𝐧𝐝

💬 Message 𝐂𝐇𝐄𝐂𝐊 for a FREE 15-minute mortgage chat.

𝑮𝒆𝒏𝒆𝒓𝒂𝒍 𝒊𝒏𝒇𝒐𝒓𝒎𝒂𝒕𝒊𝒐𝒏 𝒐𝒏𝒍𝒚. 𝑳𝒆𝒏𝒅𝒊𝒏𝒈 𝒄𝒓𝒊𝒕𝒆𝒓𝒊𝒂, 𝒇𝒆𝒆𝒔 𝒂𝒏𝒅 𝒊𝒏𝒅𝒊𝒗𝒊𝒅𝒖𝒂𝒍 𝒄𝒊𝒓𝒄𝒖𝒎𝒔𝒕𝒂𝒏𝒄𝒆𝒔 𝒂𝒑𝒑𝒍𝒚.

08/10/2026

𝐖𝐀𝐈𝐓… 𝐃𝐎 𝐘𝐎𝐔 𝐑𝐄𝐀𝐋𝐋𝐘 𝐍𝐄𝐄𝐃 𝐀 𝟐𝟎% 𝐃𝐄𝐏𝐎𝐒𝐈𝐓 𝐓𝐎 𝐁𝐔𝐘 𝐀 𝐇𝐎𝐌𝐄?

This is one of the biggest assumptions we hear from first-home buyers.
And for some eligible buyers, 20% may not be the only path to home ownership.
Depending on your circumstances, lender requirements and available government support, you may be able to purchase with a smaller deposit.

Which means the question shouldn't always be:
❌ “How do I save another $50,000?”
It could be:
✅ “What options might actually be available to me?”
Because waiting years to reach an assumed 20% deposit could mean delaying your plans unnecessarily.
The first step isn't committing to a loan.
It's simply understanding where you stand.
🏡 How much could you potentially borrow?
💰 What deposit might you actually need?
📋 Could you be eligible for a government-backed scheme?
📊 What would repayments look like for you?

Don't let a number you've heard stop you from exploring your options.

💬 Message “READY” and let's have a FREE 15-minute chat about your situation.

𝘎𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺. 𝘌𝘭𝘪𝘨𝘪𝘣𝘪𝘭𝘪𝘵𝘺, 𝘭𝘦𝘯𝘥𝘪𝘯𝘨 𝘤𝘳𝘪𝘵𝘦𝘳𝘪𝘢, 𝘧𝘦𝘦𝘴 𝘢𝘯𝘥 𝘨𝘰𝘷𝘦𝘳𝘯𝘮𝘦𝘯𝘵 𝘴𝘤𝘩𝘦𝘮𝘦 𝘳𝘦𝘲𝘶𝘪𝘳𝘦𝘮𝘦𝘯𝘵𝘴 𝘢𝘱𝘱𝘭𝘺.

30/09/2026

🚨 RBA RATE UPDATE

The Reserve Bank of Australia has raised the cash rate by 0.25 percentage points, taking the cash rate target to 4.60%.

But before you panic…

Don’t assume your mortgage rate simply becomes 4.60%.

Your actual home-loan situation depends on your lender, loan product, current rate and circumstances.

If you’re a homeowner, now is a good time to know:

🏠 What interest rate you’re currently paying
💰 Your current loan balance
📈 Whether your loan is variable or fixed
🔄 Whether refinancing could be worth exploring
💳 Whether you’re making the most of your loan features
📊 What another rate change could mean for your repayments

The RBA decision is one thing. Your mortgage is personal.

Don’t just watch the headline.

Understand what it means for YOU.

💬 Message REVIEW for a FREE 15-minute mortgage chat.

General information only. Lending criteria, fees and individual circumstances apply.

25/09/2026

Buying a first home has never been simple.

But everyone's biggest challenge seems to be different.

For some, it's saving enough for a deposit.

For others, it's understanding borrowing power.

And many feel they're constantly chasing rising property prices.

🏡 We'd love to hear from you.
What's the biggest challenge for first home buyers today?

💰 Deposit

📊 Borrowing Power

📈 Rising Prices

👇 Tell us in the comments.

Vote below using an emoji

💰 Deposit

📊 Borrowing Power

📈 Rising Prices

21/09/2026

The RBA has held the cash rate at 4.35%. So… what does that actually mean for your mortgage?

The Reserve Bank's cash rate gets a lot of attention whenever there's a monetary policy decision.

But there's an important distinction:

The RBA cash rate isn't the same as your home-loan interest rate.

Your actual mortgage rate depends on your lender, loan product and circumstances.

If you're on a variable rate, changes in your lender's pricing can affect your repayments.

If you're on a fixed rate, your rate generally remains fixed during the agreed period — but it's still worth thinking ahead to what happens when that fixed period ends.

So instead of only asking:

“What did the RBA do?”

Also ask:

“What am I actually paying on my mortgage?”

Your loan balance, interest rate, features, fees and current financial goals all matter when reviewing your mortgage.

If you haven't looked at your home loan for a while, it may be worth understanding where you stand.

💬 Message “REVIEW” for a FREE 15-minute chat.

General information only. Rates, fees, loan features and eligibility vary. This is not personal financial advice.

18/09/2026

Most borrowers accept the first loan structure they’re offered.

Not because it’s the best option —
but because nobody explained the alternatives clearly.

Different lenders have different policies, rates, and flexibility.

That’s why understanding your options matters.

💬 Sometimes the right strategy can make a bigger difference than people expect.

Most borrowers accept the first loan structure they’re offered.

Not because it’s the best option —
but because nobody explained the alternatives clearly.

Different lenders have different policies, rates, and flexibility.

That’s why understanding your options matters.

💬 Sometimes the right strategy can make a bigger difference than people expect.

31/08/2026

𝐒𝐡𝐨𝐮𝐥𝐝 𝐲𝐨𝐮 𝐛𝐮𝐲 𝐲𝐨𝐮𝐫 𝐧𝐞𝐱𝐭 𝐡𝐨𝐦𝐞 𝐛𝐞𝐟𝐨𝐫𝐞 𝐬𝐞𝐥𝐥𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐜𝐮𝐫𝐫𝐞𝐧𝐭 𝐨𝐧𝐞? 🏠

It 𝐜𝐚𝐧 be possible but it isn't automatically the right move.

Buying first can give you more time to find the property you actually want.

But there's another side to consider:

𝐇𝐨𝐰 𝐰𝐢𝐥𝐥 𝐲𝐨𝐮 𝐟𝐮𝐧𝐝 𝐭𝐡𝐞 𝐧𝐞𝐰 𝐩𝐮𝐫𝐜𝐡𝐚𝐬𝐞 𝐰𝐡𝐢𝐥𝐞 𝐲𝐨𝐮𝐫 𝐞𝐱𝐢𝐬𝐭𝐢𝐧𝐠 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐡𝐚𝐬𝐧'𝐭 𝐬𝐨𝐥𝐝 𝐲𝐞𝐭?

This is where your borrowing capacity, existing home loan, equity and overall financial position become important.

You may also hear about 𝐛𝐫𝐢𝐝𝐠𝐢𝐧𝐠 𝐟𝐢𝐧𝐚𝐧𝐜𝐞, which is short-term finance designed to cover the period between buying a new property and selling your existing one.

Before deciding to buy first, consider:

✔️ Can you comfortably manage the financial commitments?

✔️ How much equity do you have?

✔️ What happens if your current property takes longer to sell?

✔️ What costs could be involved?

✔️ What does the new borrowing look like?

✔️ Do you have a realistic selling strategy?

𝐁𝐮𝐲𝐢𝐧𝐠 𝐟𝐢𝐫𝐬𝐭 𝐜𝐚𝐧 𝐨𝐟𝐟𝐞𝐫 𝐜𝐨𝐧𝐯𝐞𝐧𝐢𝐞𝐧𝐜𝐞 — 𝐛𝐮𝐭 𝐢𝐭 𝐚𝐥𝐬𝐨 𝐜𝐨𝐦𝐞𝐬 𝐰𝐢𝐭𝐡 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐜𝐨𝐧𝐬𝐢𝐝𝐞𝐫𝐚𝐭𝐢𝐨𝐧𝐬.

The right decision depends on your circumstances.

Thinking about moving but don't know whether to **sell first or buy first?**

💬 Message “𝐌𝐎𝐕𝐄” for a 𝙁𝙍𝙀𝙀 𝟭𝟱-𝙢𝙞𝙣𝙪𝙩𝙚 𝙘𝙝𝙖𝙩.

𝘎𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺. 𝘓𝘦𝘯𝘥𝘪𝘯𝘨 𝘤𝘳𝘪𝘵𝘦𝘳𝘪𝘢, 𝘧𝘦𝘦𝘴, 𝘤𝘰𝘴𝘵𝘴 𝘢𝘯𝘥 𝘦𝘭𝘪𝘨𝘪𝘣𝘪𝘭𝘪𝘵𝘺 𝘢𝘱𝘱𝘭𝘺. 𝘉𝘳𝘪𝘥𝘨𝘪𝘯𝘨 𝘧𝘪𝘯𝘢𝘯𝘤𝘦 𝘢𝘯𝘥 𝘰𝘵𝘩𝘦𝘳 𝘭𝘦𝘯𝘥𝘪𝘯𝘨 𝘰𝘱𝘵𝘪𝘰𝘯𝘴 𝘮𝘢𝘺 𝘯𝘰𝘵 𝘣𝘦 𝘴𝘶𝘪𝘵𝘢𝘣𝘭𝘦 𝘧𝘰𝘳 𝘦𝘷𝘦𝘳𝘺𝘰𝘯𝘦.

29/08/2026

𝐘𝐨𝐮𝐫 𝐡𝐨𝐦𝐞 𝐥𝐨𝐚𝐧 𝐡𝐚𝐬 𝐛𝐞𝐞𝐧 𝐚𝐩𝐩𝐫𝐨𝐯𝐞𝐝. 🎉 𝐒𝐨… 𝐰𝐡𝐚𝐭 𝐡𝐚𝐩𝐩𝐞𝐧𝐬 𝐧𝐞𝐱𝐭?

Getting your approval is a major milestone, but there are still a few important steps before you get the keys.

Generally, the process moves toward:

1️⃣ 𝐅𝐢𝐧𝐚𝐥𝐢𝐳𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐥𝐨𝐚𝐧

Your lender completes the required documentation and loan process.

2️⃣𝐆𝐞𝐭𝐭𝐢𝐧𝐠 𝐭𝐡𝐞 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐫𝐞𝐚𝐝𝐲 𝐟𝐨𝐫 𝐬𝐞𝐭𝐭𝐥𝐞𝐦𝐞𝐧𝐭

Once you've found your property and your purchase is progressing, your lender, conveyancer/solicitor and other parties work toward settlement.

3️⃣ 𝐒𝐞𝐭𝐭𝐥𝐞𝐦𝐞𝐧𝐭 🔑

Settlement is when the property title is transferred to you and your mortgage begins.

4️⃣ 𝐆𝐞𝐭 𝐭𝐡𝐞 𝐤𝐞𝐲𝐬! 🏠

You're officially on your way to owning your new home.

One important reminder:

𝐃𝐨𝐧'𝐭 𝐚𝐬𝐬𝐮𝐦𝐞 𝐚𝐩𝐩𝐫𝐨𝐯𝐚𝐥 𝐦𝐞𝐚𝐧𝐬 𝐲𝐨𝐮 𝐜𝐚𝐧 𝐬𝐭𝐨𝐩 𝐜𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐧𝐠 𝐰𝐢𝐭𝐡 𝐲𝐨𝐮𝐫 𝐥𝐞𝐧𝐝𝐞𝐫 𝐨𝐫 𝐛𝐫𝐨𝐤𝐞𝐫.

If anything changes with your financial circumstances before settlement, it's important to discuss it with the relevant professionals.

Buying your first home and unsure what happens after approval?

💬 Message “𝐀𝐏𝐏𝐑𝐎𝐕𝐄𝐃” for a 𝙁𝙍𝙀𝙀 𝟭𝟱-𝙢𝙞𝙣𝙪𝙩𝙚 𝙘𝙝𝙖𝙩.

𝘎𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺. 𝘛𝘩𝘦 𝘦𝘹𝘢𝘤𝘵 𝘱𝘳𝘰𝘤𝘦𝘴𝘴 𝘢𝘯𝘥 𝘵𝘪𝘮𝘪𝘯𝘨 𝘤𝘢𝘯 𝘷𝘢𝘳𝘺 𝘥𝘦𝘱𝘦𝘯𝘥𝘪𝘯𝘨 𝘰𝘯 𝘵𝘩𝘦 𝘭𝘦𝘯𝘥𝘦𝘳, 𝘤𝘰𝘯𝘵𝘳𝘢𝘤𝘵, 𝘴𝘵𝘢𝘵𝘦/𝘵𝘦𝘳𝘳𝘪𝘵𝘰𝘳𝘺 𝘢𝘯𝘥 𝘺𝘰𝘶𝘳 𝘤𝘪𝘳𝘤𝘶𝘮𝘴𝘵𝘢𝘯𝘤𝘦𝘴.

Moneysmart notes that after making an offer, you apply to finalize the loan, while settlement is when the property title transfers and the mortgage begins.

28/08/2026

𝐅𝐢𝐱𝐞𝐝 𝐨𝐫 𝐯𝐚𝐫𝐢𝐚𝐛𝐥𝐞 — 𝐰𝐡𝐢𝐜𝐡 𝐨𝐧𝐞 𝐢𝐬 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐛𝐞𝐭𝐭𝐞𝐫?🏠

The honest answer?

𝐅𝐢𝐱𝐞𝐝 𝐨𝐫 𝐯𝐚𝐫𝐢𝐚𝐛𝐥𝐞 — 𝐰𝐡𝐢𝐜𝐡 𝐨𝐧𝐞 𝐢𝐬 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐛𝐞𝐭𝐭𝐞𝐫?

A fixed rate can give you more certainty because your rate stays the same during the fixed period.

A variable rate can offer more flexibility, but your rate and repayments can move up or down.

And there's another option people sometimes overlook:

𝐀 𝐬𝐩𝐥𝐢𝐭 𝐥𝐨𝐚𝐧.

Part fixed.

Part variable.

The important thing is not to choose simply because one rate looks lower today.

Consider:

✔ Your budget

✔ How long you plan to keep the loan

✔ Your need for flexibility

✔ Extra repayment plans

✔ Offset/redraw features

✔ Potential break or switching costs

✔ Your longer-term goals

𝐓𝐡𝐞 𝐫𝐢𝐠𝐡𝐭 𝐥𝐨𝐚𝐧 𝐢𝐬𝐧'𝐭 𝐧𝐞𝐜𝐞𝐬𝐬𝐚𝐫𝐢𝐥𝐲 𝐭𝐡𝐞 𝐨𝐧𝐞 𝐰𝐢𝐭𝐡 𝐭𝐡𝐞 𝐥𝐨𝐰𝐞𝐬𝐭 𝐫𝐚𝐭𝐞. 𝐈𝐭'𝐬 𝐭𝐡𝐞 𝐨𝐧𝐞 𝐭𝐡𝐚𝐭 𝐟𝐢𝐭𝐬 𝐲𝐨𝐮𝐫 𝐬𝐢𝐭𝐮𝐚𝐭𝐢𝐨𝐧.

Thinking about fixing, refinancing or reviewing your current loan?

💬 Message “𝐅𝐈𝐗𝐄𝐃” for a 𝐅𝐑𝐄𝐄 𝟏𝟓-𝐦𝐢𝐧𝐮𝐭𝐞 𝐜𝐡𝐚𝐭.

𝘎𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺. 𝘓𝘰𝘢𝘯 𝘧𝘦𝘢𝘵𝘶𝘳𝘦𝘴, 𝘳𝘢𝘵𝘦𝘴, 𝘧𝘦𝘦𝘴, 𝘦𝘭𝘪𝘨𝘪𝘣𝘪𝘭𝘪𝘵𝘺 𝘢𝘯𝘥 𝘤𝘰𝘯𝘥𝘪𝘵𝘪𝘰𝘯𝘴 𝘷𝘢𝘳𝘺.