Tijo Joseph - Home loan specialist

29/09/2026

📢 RBA CASH RATE UPDATE | 29 SEPTEMBER 2026

The Reserve Bank of Australia has today increased the cash rate by 0.25% (25 basis points), taking it to 4.60%. 📈

The RBA highlighted several factors contributing to today’s decision:

🔹 Inflation remains elevated, with recent Australian inflation data stronger than expected.
🔹 Rising global energy prices are adding further inflationary pressure.
🔹 Strong AI-related demand is contributing to higher global prices for technology-related goods.
🔹 Australian businesses continue to experience cost pressures, with many increasing—or considering increasing—their prices.
🔹 Short-term inflation expectations remain elevated.

🏡 What could this mean for your home loan?

With interest rates moving higher, now may be a good time to review your existing loan and understand how the change could affect your repayments and overall financial position.

At Primelend, we can help you explore options including:

✔️ Reviewing your current interest rate
✔️ Refinancing and restructuring options
✔️ Debt consolidation
✔️ Improving cash flow
✔️ Reviewing your loan term and repayment strategy

25/08/2026

🌼🌸 Happy Onam! 🌸🌼

May this Onam bring happiness, prosperity, good health, and togetherness to every home. May the spirit of Onam remind us to celebrate our traditions, cherish our loved ones, and share joy with everyone around us.

Wishing you and your family a joyful, colourful and prosperous Onam! 🌺✨

ഓണാശംസകൾ! 🌼

16/06/2026

The Reserve Bank has left the cash rate on hold in a move that will keep it at 4.35% until at least August.

It’s welcome relief for borrowers, with markets having expected Aussies would avoid a fourth consecutive rate hike despite rising inflation and uncertainty leading up to peace negotiations in the Middle East. Cost of living pressures from the associated market volatility will be mitigated by the rate hold for now, providing households with some much-needed breathing room.

This was the board’s fourth meeting for 2026 and its final cash rate decision for the 2025-26 financial year. The next decision on the cash rate is set for 11 August.

The RBA board’s statement to accompany its hold decision will be published shortly. Context around the board’s decision will be included along with the board’s latest views on how inflation, growth, and labour market conditions are faring and expected to settle if the Iran War ends imminently.

02/06/2026

30/05/2026

🏡 Buy Your First Home Sooner with the Home Guarantee Scheme!

Dreaming of owning your first home but struggling to save a big deposit? The Australian Government’s Home Guarantee Scheme could help eligible buyers purchase a home with as little as 2% deposit — without paying Lenders Mortgage Insurance (LMI).

✅ Low deposit options
✅ Faster pathway to home ownership
✅ Support for eligible first home buyers
✅ Available for new and existing homes

Whether you’re ready to buy now or just exploring your options, Primelend is here to guide you through the process and help you understand your borrowing capacity.

📞 Contact Tijo Joseph on 0450471713 from Primelend today and take the first step towards your dream home!

13/05/2026

🏡 Are You a First Home Buyer?

Getting into your first home may be easier than you think with the Australian Government’s 5% Home Guarantee Scheme!

✅ Buy your first home with as little as 5% deposit
✅ No Lenders Mortgage Insurance (LMI) for eligible buyers
✅ Available for eligible singles, couples & families
✅ Build or buy your dream home sooner

At Primelend, we’ll guide you through the process and help you understand your eligibility and borrowing options.

📞 Speak with us today and take the first step towards home ownership!
Tijo Joseph 0450471713

05/05/2026

The RBA's interest rate setting board has hiked the cash rate by 0.25 percentage points in May.

That takes the cash rate to 4.35%, back where it sat before the three rate cuts last year.

04/04/2026

Wishing you a Blessed Easter
May the Risen Christ renew your faith, strengthen your hope, and fill your life with His divine love.

17/03/2026

The Reserve Bank of Australia (RBA) has increased the cash rate to 4.10% as inflation remains above its target range. Inflation is still not where the RBA wants it to be, prompting further action to bring price growth under control.

Global developments are also adding pressure. The ongoing conflict involving the US and Iran has pushed oil prices higher, leading to rising fuel costs that can further drive inflation. Higher fuel prices flow through to transport, goods, and everyday expenses, making the inflation fight even more challenging. 

For borrowers and households, this means continued pressure on mortgage repayments and the cost of living.