SEED Loans

16/10/2026

Thinking about buying your first home in Melbourne but worried about the deposit? The Australian Government 5% Deposit Scheme, formerly the Home Guarantee Scheme, lets eligible first home buyers buy with a deposit as low as 5% and no Lenders Mortgage Insurance. In our latest guide, I explain how it works, what to check on eligibility and price caps, and how to apply step by step. Read it here and book a free chat with me at Seed Loans.
https://www.seedloans.com.au/first-home-buyer-deposit-scheme/

First Home Buyer Australian Home Guarantee Scheme with 5% deposit. Thinking of buying in Melbourne with a 5% deposit and no LMI?

07/09/2026

https://www.seedloans.com.au/how-to-finance-knock-down-rebuild-house-what-it-really-costs/
In this detailed article, we try to explain how to finance Knock Down Rebuild House and What it really costs? So, If you love your street but you have fallen out of love with your house, you are far from alone. I meet plenty of clients in exactly that spot. They have got a great block in a suburb they never plan to leave. Good schools, an easy run into the city, neighbours they actually like. But the house itself has had its day. It is too small, too dated, or it just does not suit how they live now. That is usually the point where a knock down rebuild enters the conversation.

The idea can sound like a big undertaking. Demolition, permits, a construction site where your lounge room used to be. But once you understand the process, and how the finance works, it all gets a lot more manageable. A knock down rebuild is often a smart way to get a brand new home. Best part, you keep the location you already love.

I put this guide together to walk you through the basics. What a knock down rebuild actually involves. What it tends to cost. How the loan side works. That way you can plan properly before you fall in love with a floor plan.

Talk to the finance broker before signing with the builder: https://www.seedloans.com.au/contact/

19/08/2026

https://www.seedloans.com.au/first-home-buyer-deposit-options-explained/

Detail guide on First Home Buyer Deposit Options
Ask any first home buyer what is standing between them and a set of keys, and most will say the same thing: the first home buyer deposit. Not the interest rate, not the loan type, the deposit. It is the part of buying a home that takes the longest to sort out and the part where I get asked the most questions.

The good news is that a full 20 per cent deposit is not the only way in anymore, and it has not been for a while. There are several genuine options for Melbourne first home buyers in 2026, each with its own trade offs. Here is how I walk clients through them.

www.seedloans.com.au

Explore our range of home loan services. Whether you're a first-time buyer, looking to invest, or need a better rate, we're here to make the process simple.

19/08/2026

Detail guide on First Home Buyer Deposit Options
Ask any first home buyer what is standing between them and a set of keys, and most will say the same thing: the first home buyer deposit. Not the interest rate, not the loan type, the deposit. It is the part of buying a home that takes the longest to sort out and the part where I get asked the most questions.

The good news is that a full 20 per cent deposit is not the only way in anymore, and it has not been for a while. There are several genuine options for Melbourne first home buyers in 2026, each with its own trade offs. Here is how I walk clients through them.
https://www.seedloans.com.au/first-home-buyer-deposit-options-explained/

05/05/2026

https://www.seedloans.com.au/cash-rate-update-for-may-2026/
At its meeting today, the Reserve Bank of Australia (RBA) has increased the cash rate by 0.25%, with the official cash rate now sitting at 4.35%.

Today’s decision reinforces the RBA’s ongoing priority to bring inflation back within its 2–3% target range. The decision was supported by data released last week which showed inflation has continued to increase, largely due to global conflict-driven supply issues and higher fuel costs.

The data highlighted:

Headline inflation has risen to 4.6% for the 12 months to March 2026, up from 3.7% in February 2026.
Underlying (trimmed mean) inflation sits at 3.3%.

17/03/2026

As widely anticipated, the Reserve Bank of Australia (RBA) has increased the cash rate by 0.25% at today’s meeting, taking the official cash rate to 4.10%

By no means, this is a good news for the mortgage holders, potential buyers & mom and dad who are working hard to make payments.

Increased rates will have a huge impact on borrowing capacity for the first home buyers and many other potential investors.

Recent economic indicators highlight for RBA to increase the rates:
Headline inflation sits at 3.8% for the 12 months to January 2026, remaining above the RBA’s target range.
Underlying (trimmed mean) inflation remains elevated at 3.4% for the 12 months to January 2026, signalling that broader price pressures across the economy are persisting.

As widely anticipated, the Reserve Bank of Australia (RBA) has increased the cash rate by 0.25% at today’s meeting, taking the official cash rate to 4.10%. The decision reflects the RBA’s ongoing focus on returning inflation to its 2-3% target range, with the latest data showing inflation pressu...

03/02/2026

https://www.seedloans.com.au/rba-increases-cash-rate-to-3-85-why-the-rba-acted-today/

The Reserve Bank of Australia (RBA) has delivered its first interest rate decision of 2026, and the news brings a fresh wave of pressure for Australian homeowners and businesses. At its February meeting today, the RBA Board decided to increase the official cash rate by 25 basis points to 3.85%.

This move marks a significant pivot in monetary policy, effectively ending the brief period of rate cuts seen in 2025. For those watching the market, this decision confirms what many lenders had already begun to price in: inflation remains “sticky,” and the battle to bring it within the 2-3% target range is far from over.

Sudden Increase in Fixed Rate by Australian Banks in Late 2025 could be an alarming indication. Lets explore what it means in 2026 and beyond.

04/12/2025

https://www.seedloans.com.au/fixed-rate-by-australian-by-australian-banks-are-increasing/
If you are a homeowner, property investor or a potential buyer in Australia, you have likely felt the confusion and whiplash of the last few months. Just when it seemed like the Reserve Bank of Australia (RBA) had settled into an easing cycle, cutting the Official Cash Rate (OCR) three times earlier in 2025 and bringing it down to a stable 3.60%, the fixed home loan market decided to go its own way.

In November and December 2025, a noticeable and widespread trend emerged: Australian banks started increasing their fixed interest rates, particularly on two, three, and five year terms. This was a direct, independent pricing decision by the banks, one that appeared to fly in the face of the RBA’s recent ‘hold’ decision. This move has major implications for your household budget and property planning for the next few years.

Here at Seed Loans, we want to cut through the noise and explain why this happened, which banks led the charge, and what the probability forecast for 2026 and 2027 looks like. More importantly, we will tell you how partnering with an expert mortgage broker is now more crucial than ever to navigate this unpredictable landscape.
www.seedloans.com.au

Sudden Increase in Fixed Rate by Australian Banks in Late 2025 could be an alarming indication. Lets explore what it means in 2026 and beyond.

20/11/2025

Discover Your Buying Power: How Much Can You Borrow for Your Dream Home?
Your borrowing capacity is the first and most crucial step in your home buying journey. Don't waste time looking at properties outside your price range!

Why Use a Mortgage Broker?
Forget complex online calculators that only give you an estimate. Our expert mortgage brokers assess your entire financial profile—including your income, existing debts, living expenses, and potential for growth to determine your true maximum borrowing potential.

We look at multiple lenders to find you the largest loan amount and the best interest rate that you qualify for.

What Affects Your Borrowing Power?
Many factors influence the final figure a bank will approve. We simplify the complex process by considering:

Income Stability: Your salary, business income, or rental returns.

Existing Debt: Credit card limits, personal loans, and HECS/HELP debts.

Living Expenses: We use accurate benchmarks, not just estimates, to satisfy bank requirements.

Deposit Size: The bigger your deposit, the more equity you start with.

Take Control of Your Property Search Today!
Click 'Learn More' to chat with a broker and get a free, precise, and personalized borrowing capacity assessment in minutes. Stop guessing and start shopping with confidence!

11/11/2025

https://www.seedloans.com.au/your-home-buying-guide-understanding-lvr-and-lmi-with-seed-loans/

For many first home buyers in Glen Waverley, Melbourne, the dream of owning a home is closer than they think. However, the world of mortgages can feel like a complex process, filled with confusing terms like LVR and LMI.

At SEED LOANS, your dedicated Mortgage Broker team, we believe in making the home loan application process clear, simple, and stress-free. Understanding two key concepts—Loan-to-Value Ratio (LVR) and Lenders’ Mortgage Insurance (LMI)—is essential for securing the best home loan for your financial future.

This guide will break down what these terms mean, compare the pros and cons of an 80% LVR versus a higher LVR, and show you how we can help you navigate these choices.

One of the most significant changes coming into effect on October 1 is the removal of the annual place limits for the Home Guarantee Scheme.