Sydney Select Finance Pty Ltd

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Merewether, NSW
Sydney Select Finance Pty Ltd

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It is my mission to help Australian's achieve their dream of owning their own home.

We specialise in:

* Purchasing a new home
* Asset lending
* Refinancing
* Consolidating Debts
* SMSF

03/11/2026

RBA Lifts Cash Rate to 4.85% — Highest in 18 Years

The Reserve Bank of Australia has raised the official cash rate by 0.25 percentage points to 4.85%, its highest level since November 2008, marking the fifth, rate hike of 2026

Why now?

The RBA cited persistent, broadly based inflation — September CPI at 3.7% annually — and expects inflation to remain above 3% through much of 2027, with the 2–3% target range not reached until late 2027, three quarters later than previously forecast.

Key drivers include:
* Higher fuel and commodity prices
* Stronger domestic capacity pressures
* AI-related investment boom boosting tech goods prices

The RBA’s forecast now sees trimmed-mean inflation peaking at 4.5% by Christmas before easing, with the target mid‑point not achieved until June 2028.

If you'd like to understand how the latest increase affects your repayments or explore your options, I'm here to help.

29/10/2026

Another interest rate rise could be possible in November - but there are steps you can take now to protect your household budget.

Five things worth checking now

1. Your interest rate. Is it still competitive, or could another lender offer a better deal?

2. Your repayments. Calculate what another 0.25-percentage-point increase would mean for your budget.

3. Your cash buffer. Could you cover unexpected expenses alongside higher repayments?

4. Your offset account. Are you making full use of any interest-saving features?

5. Your loan structure. Would refinancing or changing your repayment arrangements make sense?

Get in touch and I'll help you assess whether your current mortgage is still competitive and how you could manage higher repayments.

09/10/2026

🎉 Another Happy Client! 🎉

A huge congratulations to our client Create BUILD Enjoy on the purchase of their brand-new Kanga Loader! 🚜

It's always rewarding to help hardworking business owners secure the equipment they need to grow their business and take on new opportunities.

Thank you for trusting us to assist with your finance needs! 👏

27/08/2026

Paying off your mortgage years early can save substantial interest – although finding extra money isn't easy in today's environment.

Elevated interest rates and cost-of-living pressures mean many households are already watching every dollar.

That can make large extra repayments unrealistic, but smaller changes to how you manage your mortgage can still help you get ahead over time.

Small moves can add up

Potentially, you could:

• Consider paying half your monthly repayment every fortnight. Depending on how your lender calculates repayments, this may result in the equivalent of an extra monthly repayment each year.
• Use your offset strategically. Keeping spare cash there can reduce the balance on which interest is calculated.
• Put windfalls towards the loan. Tax refunds, bonuses or other unexpected money can chip away at principal.
• Keep repayments higher if rates fall. The extra amount can accelerate your progress.
• Review your interest rate. A lower rate may free up money that can be redirected towards your mortgage.

Before making extra repayments, check your loan's conditions and maintain an appropriate cash buffer.

Want to get ahead on your mortgage? Get in touch and we can look at whether your rate, loan features or repayment setup could help you make faster progress.

28/07/2026

Happy Birthday to you
Happy Birthday to you
Happy Birthday dear Beck 🎶
Happy Birthday to you

Wishing my amazing support staff Beck a wonderful day today 🎂🥂

23/07/2026

Officially a homeowner (again) 🏡

Huge congratulations to Michael & Kyndl on this amazing achievement 🥂

Time to fill the house with love, laughter and great memories ❤️

Wishing you all the happiness in your new home

02/07/2026

There's still time to purchase a residential property under your SMSF ⏳

Under upcoming changes for Self-Managed Superannuation Funds, new borrowing to invest in a residential property is still possible, as long as contracts are exchanged before the 10th August 2026.

If you have been thinking of investing in residential property under your SMSF contact me to discuss your borrowing capacity.

21/05/2026

What is best fixed or variable rate?

Fixed loans simplify budgeting because your monthly repayments will not change during the fixed period. You won't suffer when rates rise BUT you will not benefit when rates fall.

Variable loans are more unpredictable because your repayments can change at any time.

If you want certainty of repayment then fixed may be the best option for you.

Contact me to discuss your situation.

21/05/2026

Can I use my super to buy an investment property?

Yes, and once you understand the structure it's more straightforward than you'd expect.

An SMSF allows you to take control of where your retirement savings are invested and property is one of the strongest assets you can hold inside that structure.

Inside super: rental income is taxed at a concessional rate. Capital gains after holding for over a year are reduced significantly.
If you sell once the fund enters the pension phase, capital gains tax can drop to zero.

Outside super: the same rental income is taxed at your full marginal rate. Gains are taxed higher. There's no pension phase shelter available.

Your SMSF can borrow to purchase property through a specific lending arrangement. You don't need the full price sitting in cash, and the detail that shifts everything: the investment runs entirely inside the fund. Rental income and your existing super contributions handle the repayments. Nothing changes in your weekly pay.

If you've been curious about what your superannuation could do, give me a call to discuss options.

04/05/2026

Property investment in Australia isn't complicated when you strip it back to three things:

CLARITY - STRATEGY - LOCATION

The fundamentals haven’t changed.

Building wealth through property starts with understanding where you stand financially.

Thinking about your next investment?

Let’s get clarity on your borrowing capacity and map the right next move.

Address

27 Turnbull Street
Merewether, NSW
2291

Telephone

+61414625366

Website

http://www.sydneyselectfinance.com.au/

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