Mawkes Finance

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Providing business and personal finance services, specialising in the needs of medical professionals.

03/11/2026

As had been broadly expected by 'the markets' the RBA have just announced that the cash rate will increase by 0.25% to 4.85%.

Whilst clearly not ideal and noting that this is the highest it has been since October 2011, if we look at a 20 year average and particularly if you take out the COVID impacted 'abnormality of very low rates in the 2020 to 2022 period', this is not the end of the world for the majority of stable businesses, especially those in the Medical Sector that is my core sphere of operation. Hopefully (all fingers crossed) it is the last 'pinch' that the RBA needs to give the economy to try and put the brakes on inflation during these very turbulent times.

31/10/2026

Unexpected expenses, bills creeping up and wondering where all your money went? Now that's a horror story.

A budget doesn't have to be complicated. It's simply about knowing what's coming in, what's going out and making a plan for what matters most.

No tricks. Just a little planning.

15/10/2026

Thinking ahead with your business finances.

There’s been plenty of discussion lately about the upcoming Capital Gains Tax changes in July 2027, particularly around property valuations and when they should be completed. Before rushing into a valuation, it’s worth having a conversation with your accountant about the best approach for your circumstances.

It’s also worth remembering that investing in your business premises can be an investment in your business itself. Even if you’re renting, maintaining and improving your space can help protect your reputation, attract customers and support long-term growth.

And a reminder that while Mawkes Finance may be a new chapter, the personal service remains the same.

Whether you need help reviewing an existing Medfin loan, exploring alternative lenders or discussing your finance options, Philip is here to help.

Mawkes Finance - Making it Happen.

29/09/2026

As had been broadly expected by 'the markets' the RBA have just announced that the cash rate will increase by 0.25% to 4.60%.

Whilst clearly not ideal and noting that this is the highest it has been since October 2011, if we look at a 20 year average and particularly if you take out the COVID impacted 'abnormality of very low rates in the 2020 to 2022 period', this is not the end of the world for the majority of stable businesses, especially those in the Medical Sector that is my core sphere of operation. Hopefully (all fingers crossed) it is the last 'pinch' that the RBA needs to give the economy to try and put the brakes on inflation during these very turbulent times.

15/09/2026

Another Mawkes Report from Philip!

This edition takes a look at commercial property insurance from a Tenant’s perspective, along with a reminder about the broader range of lenders and finance options now available through Mawkes Finance.

There’s plenty to think about, and as Philip says, you never stop learning!

Read the full report on LinkedIn via this link https://bit.ly/4iuub1c

Mawkes Finance – Making it Happen.

19/08/2026

A lower monthly repayment doesn’t always mean you’ve got the best finance deal.

There’s more to the equation than just the interest rate.

The way a loan is structured - from the amount borrowed and loan term through to fees and any final payment, can all change what you pay each month and what the finance ultimately costs you.

So, before you compare loans, look beyond the headline rate.

The right finance structure is about looking at the whole picture.

Mawkes Finance - Making it Happen.

16/08/2026

More Choice. Better Outcomes.

One of the biggest advantages of Mawkes Finance being an independent finance brokerage is having access to a much broader range of lending solutions.

While the way I work hasn't changed, the number of options available to my clients certainly has. Whether you're looking at residential lending, commercial finance, business lending or something more specialised, having access to a wider lending panel means we can focus on finding the solution that's right for you.

I've shared more about what this means for clients in this month's Mawkes Report, now available on LinkedIn.

Read the full report on LinkedIn via this link https://ln.run/cc4V_

Mawkes Finance - Making it Happen.

11/08/2026

As had been broadly expected by 'the markets' the RBA have just announced that the cash rate will remain unchanged at 4.35% for a second consecutive period.

Based on the language used in the announcement, 'the markets' believe that this could be the peak in the cash rate for now, pending of course something further unexpected happening in the world or here in Australia. So this is positive news if you are in business as consistency, which enables good planning and encourages investment, is what helps business to thrive.

Time to nimble it and move on!

01/08/2026

Negative gearing remains a tax benefit for commercial property investment.

Plus, commercial property can offer other benefits, making it a strategy worth understanding for the right investor. For medical professionals in particular, owning the premises your practice operates from may provide both investment and business advantages.

Every situation is different, so it's important to understand how negative gearing works before making any decisions.

Watch the video to learn more, and if you're considering investing in commercial property, we'd be happy to discuss your options.

Mawkes Finance - Making it Happen

27/07/2026

Interest-only loans can be a valuable financial tool, but they're not the right solution for everyone.

While they can improve cash flow in the right circumstances, it's important to remember that whilst they reduce repayments, they increase the total cost of your debt.

In this video, Philip explains:
✔️ When an interest-only loan may be appropriate
✔️ Variable vs fixed interest-only loans
✔️ Why extra repayments can make a big difference
✔️ How to prepare for the end of an interest-only term

Every lending situation is different. If you're considering an interest-only loan, Mawkes Finance can help you explore the options that best suit your goals.

Mawkes Finance - Making it Happen

Address

Melbourne, VIC

Telephone

+61423785994

Website

http://www.mawkesfinance.com.au/

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