Mortgage Choice - Cairnlea.

05/05/2026

RBA pushes cash rate up to 4.35%.

Decision comes in shadow of rising inflation, global stability.

The Reserve Bank of Australia (RBA) has met market expectations by increasing the cash rate by 25 basis points, bringing it up to 4.35% for the first time since early 2025.

08/04/2026

Are you...

▪️Moving – for whatever reason?
▪️Downsizing for a simpler lifestyle?
▪️Relocating for a sea-change or tree-change?
▪️Building your dream home?

If so, you may be facing the ‘buy or sell first’ dilemma, and a bridging loan could help you navigate this change.

At Mortgage Choice, we have access to a range of tailored bridging loan solutions, helping you power your next move with ease.

We can even complete a detailed, side-by-side comparison of your options (buy first, sell first, keep both, settle same day) to ensure you can make your next move with confidence.

Talk to us today on 0418 166 866 to power your next move.

17/03/2026

The RBA has lifted the interest rate by 0.25 percentage points.

It brings the cash rate target to 4.1 per cent, up from 3.85 per cent.

18/02/2026

Are you paying too much on your home loan?

With the recent cash rate hike, many of us are feeling the squeeze. But what if your next mortgage repayment was taken care of?

When you apply to refinance by 16 May, you’ll automatically go into the draw to win a monthly $5,000 prize. 💰That’s some serious breathing room.

At Mortgage Choice, we can compare your loan against thousands of products in the market to check if you’re still on a competitive interest rate.

Reach out today to get started on 0418 166 866.

T&Cs apply. Minimum loan amount of $250,000.

Compare your existing loan against thousands of home loan options and find out how much you could save on your repayments with our refinance calculator. No commitment until you are ready.

04/02/2026

The RBA has announced its first decision for 2026: the cash rate has increased to 3.85%.
If you’re wondering what this change means for you, we’re here to help.
We can compare your current loan to thousands of products in the market to make sure you’re still on a competitive interest rate.
We can also explore options, including fixed-rate loans, that could help you manage your repayments.
Reach out to us today to get started.

24/12/2025

Wishing you and your loved ones a very Merry Christmas from Mortgage Choice! 🎄🎁
We hope your day is filled with joy, laughter and wonderful moments with those who matter most.
Enjoy the festive season and stay safe. We look forward to helping you with your property ownership goals in 2026.

18/12/2025

Whether it’s painting, replacing carpet or even a full bathroom renovation, home improvement projects can make a big impact on your property’s value.

We can help you find the right finance options to get to your home improvements started.

Please reach out to Mortgage Choice Cairnlea & Brimbank on 0418 166 866.

10/12/2025

The RBA has announced its final decision for 2025: the cash rate is on hold at 3.60%.

While the cash rate may not have shifted this month, it's not too late to review your home loan before the end of the year. 🏠

After three cash rate cuts this year, you could be saving on your repayments. Try our Refinance Calculator to see how much!
Reach out to us on 03 9363 333 or 0418 166 866.

03/12/2025

🏡 BIG NEWS: Help to Buy Scheme Kicks Off Soon! 🎉

This is a game-changer, Aussies! The Federal Government has confirmed that its new shared-equity program, Help to Buy, officially commences on 5 December (yes, that's next week!) to help thousands get their foot in the property door.

What's the big deal? It's a massive shift! This scheme is designed to help up to 40,000 eligible Australians—not just first home buyers!—purchase a home with as little as a 2% deposit and without paying that hefty Lenders Mortgage Insurance (LMI).

The government will contribute up to 40% of the purchase price for a new home (or 30% for an existing home) in exchange for an equity share. This dramatically reduces the amount you need to borrow from a lender, making homeownership a reality much sooner for low- and middle-income earners.

The catch? Places are limited (10,000 per year), and the eligibility criteria are specific (income caps, property price caps, etc.). Plus, you can only apply through a Participating Lender.

This is HUGE, but it's complex! You need an expert on your side to check your eligibility, understand the shared-equity details, and prepare your application for when those limited spots open up.

Community Question: What's the biggest question you have about the Help to Buy scheme? Drop your questions below and let's decode this exciting new path to ownership! 👇

Ready to find out if this scheme is your fast-track to homeownership? Click "Send Message" or "Book Now" for a free, no-sweat eligibility check with us today!

03/12/2025

🏡 BIG NEWS: Help to Buy Scheme Kicks Off Soon! 🎉

This is a game-changer, Aussies! The Federal Government has confirmed that its new shared-equity program, Help to Buy, officially commences on 5 December (yes,!) to help thousands get their foot in the property door.

What's the big deal? It's a massive shift! This scheme is designed to help up to 40,000 eligible Australians—not just first home buyers!—purchase a home with as little as a 2% deposit and without paying that hefty Lenders Mortgage Insurance (LMI).

The government will contribute up to 40% of the purchase price for a new home (or 30% for an existing home) in exchange for an equity share. This dramatically reduces the amount you need to borrow from a lender, making homeownership a reality much sooner for low- and middle-income earners.

The catch? Places are limited (10,000 per year), and the eligibility criteria are specific (income caps, property price caps, etc.). Plus, you can only apply through a Participating Lender.

This is HUGE, but it's complex! You need an expert on your side to check your eligibility, understand the shared-equity details, and prepare your application for when those limited spots open up.

What's the biggest question you have about the Help to Buy scheme? Drop your questions below and let's decode this exciting new path to ownership! 👇

Ready to find out if this scheme is your fast-track to homeownership? Click "Send Message" or "Book Now" for a free, no-sweat eligibility check with us today.