LAXMI Home Loans - Australia

03/11/2026

New Laxmi Home Loans Review
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We proudly assist clients Australia-wide


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03/11/2026

The RBA raised the cash rate today by 0.25 points, from 4.60% to 4.85%. This is the fifth rise this year and the highest cash rate since 2008. The board split 6 ( yes ) to 3 ( no ).

A 0.25-point rise adds about $98 a month on a $600,000 loan over 30 years with principal and interest repayments. Example only.
Check when your lender’s new rate starts and how much your repayment will change.
A loan review can show whether a better rate or loan structure suits you.

Call Kishor on 0433 589 626 to review your loan or Inbox us

02/11/2026

Another 0.25% up or hold? Is your loan ready?

The Reserve Bank announces its next cash rate decision on Tuesday 3 November at 2:30pm AEDT ( Today ). The cash rate target sits at 4.60% after four rises this year. Take a few minutes now to check where you stand.

• Know your numbers. Check your rate, your repayment, and when any fixed term ends.
• Test your buffer. Ask how another rise would change your monthly budget.
• Review your loan. A loan review shows if your loan still suits your goals.

Ready to Discuss? Call 0433 589 626 or Office 0470 44 55 99

01/11/2026

Rents are rising. Home values are flat. Is it time to compare renting and buying?

• National rents rose 5.5% in the year to September, while national home values showed 0.0% change. (Source: Cotality)
• Rental vacancy sits at 2.0%, so competition for rentals stays tight.
• Buying still depends on your deposit, your borrowing power and interest rates. Get your own numbers checked before you decide.

You may also be eligible for a government deposit scheme. We can check this with you.

Ready to Discuss? Call 0433 589 626 or Office 0470 44 55 99

01/11/2026

He Charged Me Rent for 9 Years. Then He Handed Me the Keys to My Future.

Every Friday, $160. Every week, for nine years. I thought my dad was being tough. He was quietly building me a home.

- Nine years of on-time payments built a habit that lenders like to see
- A red notebook and a white envelope became a first home deposit
- A clean credit file, one Friday at a time

Your first home story can start with one good habit. If you are thinking about buying your first home, we can walk you through every step, from savings to settlement.

Call Kishor on 0433 589 626 or send us a message to start your story.

General information only. Mero Chino Groups Pty Ltd T/As Laxmi Home Loans, ABN 76 169 013 012, Credit Representative Number 476974, authorised under Australian Credit Licence Number 383640.

30/10/2026

Invest in Success | Laxmi Home Loan ❤️

29/10/2026

Invest In Success 2026 - Cumberland City Council

🕰️ Today at 5.30pm!
📍 Granville Centre!

This exciting evening will bring together business leaders, government representatives and local success stories for networking, inspiration and discussion about the future of business in Cumberland. Hear from leading speakers including:

29/10/2026

Settled a car 🚘 loan with 7.54% interest rate with NO early exit fee 🫢

Congratulations 🥳

29/10/2026

Where the RBA cash rate stands as of today, 29th October 2026.

Where the rate is now
The cash rate is 4.60%. The RBA lifted it by 0.25% on 29 September. That was the fourth rise in 2026 and took the rate to its highest level since late 2011. The board vote was unanimous. The board said inflation is still too high and it may raise the rate further if needed.

Why rates are rising:
Higher global energy costs from the Middle East conflict are a major driver. Electricity bill rebates are also ending, so power prices are climbing. Cotality estimates the four rises this year have cut average borrowing capacity by almost $90,000.

Today’s inflation numbers:
The ABS released September quarter inflation today. Headline inflation rose to 4.3% a year, up from 4.0% in August. Underlying (trimmed mean) inflation is about 3.6% to 3.7%. Both are well above the RBA’s 2% to 3% target. Fuel is up 23.6% over the year, and electricity is up 12.8%. Quarterly underlying inflation came in at 1.0%, above the RBA’s 0.8% forecast. Deputy Governor Andrew Hauser said the numbers are too high.

What happens next
The next RBA decision is Tuesday 3 November, Melbourne Cup day. After today’s figures, markets put the chance of a 0.25% rise at about 80% to 90%. ANZ, Westpac and CBA now all expect a rise to 4.85%. CBA had expected a hold until today. Most economists then expect the RBA to hold over summer. Westpac warns that February carries a risk of one more rise. CBA has early cuts pencilled in for August and November 2027, but that depends on inflation falling.

What it means for your clients
A 0.25% rise adds about $97 a month to a $600,000, 30-year principal and interest loan at 6.00%. Use this as a rough guide only. Lenders set their own rates and timing.

Practical steps you can take :

If you have any questions, email us or call us to discuss your scenario.
Review pre-approvals if your approval has not converted to final approval.
Understand offset accounts and extra repayments as a buffer.
For fixed-rate questions, discuss the trade-off between certainty and break costs. Avoid predicting rates.

27/10/2026

New Laxmi Home Loans Review
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