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Exceed Finance Mortgage Broker

A myth worth putting down: you do not have to close every credit card and account before you apply.What matters is not h...
15/10/2026

A myth worth putting down: you do not have to close every credit card and account before you apply.

What matters is not how many you have. It is the limits on them, because a lender counts the limit you could draw, not the balance you actually carry. A card sitting at zero with a big limit still takes a bite out of what you can borrow.

So the useful move is usually not a clean sweep. It is looking at which limits are doing nothing for you and reducing or closing those specific ones, and leaving alone the accounts that are genuinely useful. Closing things at random in the month before you apply can create its own mess.

Worth knowing which is which before you touch anything.

Free to you, no obligation. Book a Free Chat. Link in bio, or send us a message.

General info only, not credit advice. Exceed Finance · Credit Rep 000499740 under ACL 389328.

If your home loan is with Suncorp Bank, it is moving across to ANZ, and your minimum repayment may go up when it does.Th...
13/10/2026

If your home loan is with Suncorp Bank, it is moving across to ANZ, and your minimum repayment may go up when it does.

The reason is how the minimum gets worked out. At Suncorp, paying ahead on your loan could bring your minimum repayment down. At ANZ it does not work that way. The minimum is based on your balance plus whatever you have paid ahead, so the further ahead you are, the bigger the change can be.

Suncorp says ANZ will write to you with the new amount, and it starts at least 30 days after that notice. You can ask for some or all of your redraw to be put towards the loan, which brings the minimum back down, though that money is then no longer there to redraw. If your loan is on a fixed rate, that request has to go in before the loan moves.

A higher minimum is not all bad news. More going in each month means the loan is paid off sooner. It is still a change to your budget that can slip past you, so read the notice when it arrives.

If you are not sure which option suits you, or the new amount would stretch things, talk to us. We work with 35+ lenders and our service is free to you.

Book a Free Chat. Link in bio.

Source: Suncorp Bank, Changes to Home Loan Repayments, read 13 October 2026.
Credit Rep 000499740 under ACL 389328.

Handing over your bank statements is the part of a home loan people dread most, and it is the part they understand least...
12/10/2026

Handing over your bank statements is the part of a home loan people dread most, and it is the part they understand least.

Here is what a lender is actually reading. Not your coffees. Four things, and all four are worth knowing before you apply rather than after.

Swipe through. If something in there makes you wince, that is useful information, not a problem. Most of it is fixable with a bit of notice.

Free to you, no obligation. Book a Free Chat. Link in bio, or send us a message.

General info only, not credit advice. Exceed Finance · Credit Rep 000499740 under ACL 389328.

A recent one, kept private but true in shape. A couple in their forties, both working, mortgage paid on time every month...
07/10/2026

A recent one, kept private but true in shape. A couple in their forties, both working, mortgage paid on time every month for six years. They'd never once had the loan reviewed, because nothing had gone wrong.

That was the whole problem. Nothing going wrong is not the same as everything being right. When we went through it properly, the structure didn't match how they actually earned, and they were paying for features neither of them had used since the day they settled.

We reworked it. Every situation is different and this isn't a promise of the same outcome. But "it's fine" is worth testing occasionally.

exceedfinance.com.au/book

General info only, not credit advice. Exceed Finance · Credit Rep 000499740 under ACL 389328.

102,594 first home buyers used the 5% Deposit Scheme in the past year.The government published the first full year of fi...
06/10/2026

102,594 first home buyers used the 5% Deposit Scheme in the past year.

The government published the first full year of figures last week, a year on from opening the scheme to every first home buyer. One in two first home buyers in Australia now buy with help from a scheme of some kind.

The saving is on lenders mortgage insurance. Put down less than 20% and a lender will usually charge you to insure the gap. Under the scheme the government supports that part of the loan instead, so buyers in it are not paying LMI. On a home at the national median price, the government puts that at around $23,700.

It does not fix everything. Your deposit is one test and what you can afford to repay is another, and property price caps still apply depending on where you are buying. A lot of people have the deposit sorted and get held up by what they can borrow.

If you have been saving towards 20% because you thought you had to, that is worth a conversation. We work with 35+ lenders and they do not all handle these applications the same way. Our service is free to you. Eligibility criteria apply.

Comment DEPOSIT or use the link in our bio to Book a Free Chat.

General info only, not credit advice. Credit Rep 000499740 under ACL 389328

"How long does it take?" is the second question everyone asks.The honest answer is that it varies by lender and by how t...
06/10/2026

"How long does it take?" is the second question everyone asks.

The honest answer is that it varies by lender and by how tidy your paperwork is. Broadly: getting your documents together is the part that depends on you, the assessment sits with the lender, and settlement is arranged between the two lenders once it's approved.

Your side of it is usually a couple of hours of gathering things, spread over a few days. Not weeks of your life. We'll tell you upfront what the realistic timeline looks like for your situation rather than quoting you a number that suits us.

exceedfinance.com.au/book

General info only, not credit advice. Exceed Finance · Credit Rep 000499740 under ACL 389328.

Refinancing has a branding problem. It sounds like changing banks, which sounds like effort.A better way to think about ...
05/10/2026

Refinancing has a branding problem. It sounds like changing banks, which sounds like effort.

A better way to think about it: you're checking whether the loan you signed up for still matches the life you have now. Incomes change. Households change. So does what lenders will offer. The loan doesn't update itself.

Sometimes the fix isn't even a new lender. It can be a different structure with the one you're already with. Worth knowing either way.

exceedfinance.com.au/book

General info only, not credit advice. Exceed Finance · Credit Rep 000499740 under ACL 389328.

People put off refinancing because they think it means weeks of admin and a pile of documents. Most of the actual work s...
02/10/2026

People put off refinancing because they think it means weeks of admin and a pile of documents. Most of the actual work sits with us, not you.

Here's the whole thing, start to finish, so you can see what you'd be signing up for. Swipe through. If your loan is more than a couple of years old and you've never had it looked at, it's worth ten minutes.

Free to you, no obligation.

exceedfinance.com.au/book

General info only, not credit advice. Exceed Finance · Credit Rep 000499740 under ACL 389328.

The Reserve Bank raised the cash rate to 4.60% this afternoon, a rise of 0.25%. The change takes effect tomorrow.That's ...
29/09/2026

The Reserve Bank raised the cash rate to 4.60% this afternoon, a rise of 0.25%. The change takes effect tomorrow.

That's the fourth rise this year. The cash rate started 2026 at 3.60%.

What it means for you depends on your lender. Lenders set their own rates and decide when to pass a change on, so if you're on a variable rate, watch for a letter or an email from your bank over the next few weeks.

It's a good time to check what you're paying and whether the loan still suits you. We compare across 35+ lenders and our service is free to you.

Comment RATE or send us a DM and we'll take a look with you.

Credit Rep 000499740 under ACL 389328

September, from where we sit.Most of the month went on two conversations. People with loans they'd never had looked at, ...
28/09/2026

September, from where we sit.

Most of the month went on two conversations. People with loans they'd never had looked at, and people working out whether an investment purchase actually stacks up for them. Different questions, same underlying thing: trying to make a big decision with half the information.

We won't tell you where rates go next, because nobody can do that reliably and anyone who says otherwise is guessing out loud.

What we'll say is that knowing your own position is the part you control. Spring is busy. Being clear beats being fast.

exceedfinance.com.au/book

General info only, not credit advice. Exceed Finance · Credit Rep 000499740 under ACL 389328.

Address

260-276 Abbotts Road
Melbourne, VIC
3175

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm

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