Yellow Brick Road Caroline Springs

11/06/2026

After three hikes this year, there's a lot of us looking at next week's RBA decision wondering if there will be a fourth. Follow the link to see what the leading experts are forecasting: https://ybr.com.au/rates-to-be-on-hold-in-june/

Or message us directly if you want to talk through your situation.

09/06/2026

From a local takeaway to Uber to building materials, Luci Ellis says Westpac started seeing signs of higher costs flowing through the economy much faster than expected.

Westpac's Chief Economist joined Mark Bouris on the latest episode of Property Insights to give you a clear idea of what will impact the next decision on interest rates. Click here for more: https://yhomeloans.com.au/videos/why-westpac-now-expects-more-rate-hikes-mark-bouris-luci-ellis/

05/06/2026

There could be two more rate hikes this year before rates eventually begin to come back down, but not until 2028 - that's the current view of Westpac's Economics team.

Chief Economist Luci Ellis explains the thinking behind that forecast and the role inflation is playing in shaping the economic outlook. Watch the full episode of Property Insights with Mark Bouris here: https://yhomeloans.com.au/videos/why-westpac-now-expects-more-rate-hikes-mark-bouris-luci-ellis/

04/06/2026

The 5% Deposit Scheme gets talked about a lot. But for most first home buyers, they tend to think they need to have everything figured out before they speak to a mortgage broker. Most of the time, that's just not the case.

We can help you understand your options, work out what you’re eligible for, and map out a pathway towards your first home. Because sometimes the hardest part isn’t finding the opportunity. It’s knowing where to start.

Learn more at ybr.com.au/livethedream

02/06/2026

“I was the person who presented to the board.”

Luci Ellis spent years helping shape the economic briefings that informed RBA decisions. Now Chief Economist at Westpac, Luci joins Mark Bouris on Property Insights to unpack inflation, interest rates, the Australian mortgage market and what happens behind closed doors when the RBA meets.

Full episode out now: https://yhomeloans.com.au/videos/why-westpac-now-expects-more-rate-hikes-mark-bouris-luci-ellis/

31/05/2026

Nice visit from Dee today, taking the team through AMP. The admin girls got a great rundown on loan applications and ways to make the process more streamlined and efficient. Always great to keep learning and improving! 🙌

27/05/2026

“If I use the 5% Deposit Scheme, can I rent the property out later?” It's a question we've been asked more than once.

The Scheme is designed for owner occupiers, so there are ongoing eligibility requirements around living in the property while the loan is supported by the Guarantee.

Every situation is different, which is why it’s important to understand the rules before making plans around your first property.

If you want help understanding how the Scheme works and whether you may be eligible, feel free to reach out or head to ybr.com.au/livethedream today.

25/05/2026

Big thanks to Bank of Melbourne and Ruby for a lovely lunch together chatting all things process, policies & scenarios. Always great to connect! ✨

22/05/2026

With three rate rises this year, there are a few simple things worth checking to make sure your loan is working for you.

Sometimes even a small adjustment or review can make a meaningful difference over the long term. If you’d like help understanding where your loan stands, we're always happy to have a chat.

22/05/2026