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Empowering Melbourne dreams with tailored mortgage solutions.

14/10/2026

“The tenant will pay the mortgage.”
It’s a reassuring thought when you’re buying an investment property. But rent is only part of the calculation.

There are rates, insurance, repairs and the weeks when you’re between tenants.
How much would you need to cover yourself, and would that leave you enough breathing room?

Before you commit, let’s talk through your borrowing capacity and investment loan options.

Speak with One Focus Finance Solutions today.

📲 0479 058 968
📩 [email protected]
🌐 www.onefocusfinance.com.au

09/10/2026

You’ve saved the deposit. You’re watching the listings.
But should you buy now, or wait?

There’s no perfect answer for every buyer. Start with a more useful question: what can you comfortably afford?

Before the weekend inspections, get three things clear:
• Your borrowing position. Have it assessed early and get your documents together.
• Your budget. Set a limit that leaves room for everyday life, and check what higher repayments would mean for you.
• Your team. Have your broker, conveyancer and building inspector lined up before you need them.

A beautiful home can make it tempting to stretch your budget. Having a plan helps you make the decision with a clear head.

Buying this spring? Speak with One Focus Finance Solutions. Let’s work through your numbers before you make your move.

📲 0479 058 968
📩 [email protected]
🌐 www.onefocusfinance.com.au

03/10/2026

Another rate rise would mean another squeeze on the household budget.

RBA Governor has described the 4.60% cash rate as restrictive, while keeping further hikes on the table.

For homeowners, that’s a reason to check how much breathing room your repayments leave. What are you paying? Is your loan still suitable? Could your budget manage another increase?

Speak with One Focus Finance Solutions to review your home loan and understand your options before the next rate decision.

📲 0479 058 968
📩 [email protected]
🌐 www.onefocusfinance.com.au

29/09/2026

RBA raises cash rate to 4.60%

The RBA has raised the cash rate by 0.25%, taking it from 4.35% to 4.60%, the highest level in 15 years.
For mortgage holders, the increase could add around $1,500 a year to repayments on an average $730,000 home loan.
The RBA says inflation remains elevated, with higher global energy prices adding further pressure.

If your repayments are getting tighter, it may be worth reviewing your current home loan and available options.

28/09/2026

Buying a home comes with a language of its own. Borrowing power, genuine savings, LVR, LMI and stamp duty can all shape how much you can borrow and what your purchase may really cost.

Understanding these terms early can help you prepare with more confidence and avoid surprises later.

At One Focus Finance, we help make the finance side of buying a home clearer, so you can make informed decisions from the start.

📲 0479 058 968
📩 [email protected]
🌐 www.onefocusfinance.com.au

21/09/2026

Ever wondered why someone else is paying a lower home loan rate than you, even when you’re with the same bank?

Your rate can be influenced by your LVR, loan purpose, repayment type, loan product, fees, features and when your loan was established.

So comparing your rate with a friend’s is not always comparing like with like.

If you have had your mortgage for a while, a review could help you understand whether your current loan is still competitive.

Talk to One Focus Finance Solutions to review your options.

📲 0479 058 968
📩 [email protected]
🌐 www.onefocusfinance.com.au

17/09/2026

Equifax data shows first home buyer demand from 18-25 year olds jumped 22.8% since the 5% Deposit Scheme expanded last October 2025. No LMI. No income caps. And it's not just the young ones, buyers aged 26-45 are moving too, all leveraging the same policy to get in faster.

Here's the part most people miss: a third of these buyers are now looking beyond their own suburb, some interstate, to make the numbers work. Affordability is shifting where people buy, not just how.

If you've been waiting for a "better time" to buy, the scheme might already be your way in. The question is whether you qualify and how much you could borrow.

📲 0479 058 968
📩 [email protected]
🌐 www.onefocusfinance.com.au

11/09/2026

The Australian Government's Deposit Scheme has a specific pathway for single parents and legal guardians, a minimum 2% deposit, no LMI, and no income caps holding you back.
Doesn't matter what you earn. Doesn't matter if there's a waitlist elsewhere, there isn't one here. What matters is whether you're eligible, and that's worth ten minutes of your time to find out.
We've helped clients in exactly this position get pre-approved and into a home that's actually theirs.

Want to know where you stand? Reach out.

📲 0479 058 968
📩 [email protected]
🌐 www.onefocusfinance.com.au

05/09/2026

Every little💞dream needs a safe place to begin.

A father’s love gives us the courage to imagine, the confidence to grow, and the comfort of knowing someone will always be in our corner.

Today, we celebrate the dads whose quiet strength, patience, and love help turn little dreams into something possible.

Happy Father’s Day to all the wonderful dads.

04/09/2026

⭐ Proud to continue as a Commonwealth Bank Platinum Broker for the 2026/2027 financial year.
This recognition reflects consistency, sound lending expertise and, above all, the trust our clients place in us.

Platinum status gives our clients access to priority credit assessment, specialised support for complex and self-employed lending, and stronger guidance through CommBank from application to settlement.

My sincere thanks to every client, referral partner and supporter who has contributed to this achievement.
Your confidence continues to drive the standard of service we deliver at One Focus Finance Solutions.

❇️ Better support. Faster outcomes. More certainty.

Address

31 Prospect Drive Keilor East
Melbourne, VIC
3033

Website

http://www.onefocusfinance.com.au/

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