Angela Evans Lending Solutions

16/03/2026

Time to review your Loan!!!

If you haven't reveiwed your home loan for some time, you could be missing out on features that can save you money and interest. Not only saving on those monthly or annual fees, but featues like offsets, split loans (taking advantage of fixed rates as well as variable offset loans), or fixing your loan or using your equity for investing or home improvements. Chat to me today to discuss these options and more - you could be missing out.

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03/02/2026

Interest Rate Update

As widely predicted, the Reserve Bank of Australia (RBA) has increased the cash rate by 0.25% at today's meeting. The current cash rate now sits at 3.85%.

This month’s decision reflects the RBA’s commitment to restoring price stability, with the latest data indicating:

• Headline (annual) inflation has risen to 3.8% in the 12 months to December 2025 and remains above the RBA's 2%-3% target range.
• Underlying (trimmed mean) inflation sits at 3.3%, the RBA's preferred underlying measure, helping highlight that broad-based inflation pressures remain.

The cash rate increase aims to ease ongoing price pressures and anchor inflation expectations, while allowing the RBA to carefully monitor how tighter financial conditions affect household spending.

Today's decision highlights the value of staying up to date with economic shifts and what they may mean for your finances.
Whether you're weighing up a home purchase, refinancing to improve your loan terms, or exploring an investment property, this could be the right moment to reassess your plans.

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09/12/2025

Interest Rate Update

The Reserve Bank of Australia (RBA) has announced a hold on the cash rate of 3.60% at today's meeting.
This decision reflects the RBA's cautious approach as it works to balance inflation control with supporting employment. The latest data shows:

• Headline (annual) inflation has risen to 3.8% in the year to October 2025, up from 3.6% in September 2025, and remains above the RBA's 2%-3% target range.

• Underlying (trimmed mean) inflation sits at 3.3%, the RBA's preferred underlying measure, helping highlight that broad-based inflation pressures remain.

By keeping the cash rate on hold, the RBA has left room to observe how economic conditions evolve before determining whether further monetary policy adjustments are needed.

Today's decision underscores the importance of staying informed about economic developments and considering what they may mean for your financial position.

Whether you're weighing up a home purchase, refinancing to improve your loan terms, or exploring an investment property, this could be the right moment to reassess your plans.

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10/11/2025

Did you know ...

That if you have parents who will go Guarantor for you - you don't require a deposit. If you have been renting and paying consistent rent repayments, and show a little bit of savings, you can buy a home for 100% of the purchase price PLUS costs? Even if you are living at home and have some savings, as long as you can service the loan on your income, you don't need a 5% or 10% deposit. Call me today to see if you are eligible.

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04/11/2025

Interest Rates Hold.
The Reserve Bank of Australia (RBA) has announced a hold on the cash rate of 3.60% at yesterday's meeting.

This outcome reflects the RBA's cautious and measured approach in balancing inflation control with employment objectives. The latest data indicates:

• Inflation: Headline consumer price index (CPI) rose to 3.2% in September 2025 (up from 2.1 per cent in the June 2025 quarter).
• Employment: Unemployment edged up to 4.5% in September 2025, signalling a slightly softer labour market.

Holding the cash rate steady provides the RBA with time to assess how economic conditions evolve and whether further adjustments are needed to maintain stability.

Yesterday's decision highlights the value of staying up to date with economic shifts and what they may mean for your finances.
Whether you're weighing up a home purchase, refinancing to improve your loan terms, or exploring an investment property, this could be the right moment to reassess your plans.

If you'd like to have a chat about what today's news means for you and your finances, please don't hesitate to get in touch.

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26/10/2025

DID YOU KNOW ??? ... Did you know, that parents can go guarantor for their kids for an investment purchase?

Most people beleive that guarantors can only assist their kids to buy an owner occupied property. This isn't the case. Parents can also go guarantor for their kids to buy an investment property. As long as the kids can service the loan they need to borrow, potentially they can borrow 100% plus the costs using the parents home as collateral.

Many first home buyers are foregoing buying their first property to live in- but rather buying a property that they can rent out and this way using the rent to reduce the repayments. Eventually the equity in this property can go towards them purchasing a home in the future. Food for thought!

Reach out if you would like more information on this.

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25/08/2025

CALLING ALL ELIGIBLE FIRST HOME BUYERS - the Home Loan Deposit Scheme thresholds are changing. From 1 October 2025 (3 months earlier than planned) you can buy a home with 5% deposit with no Mortgage Insurance up to $1,000,000 purchase price in Qld saving you over $42,000 in mortgage insurance. This means that applicants who were limited to $700,000 purchase price and limited income caps - has been removed and new caps have been increased. Price caps have increased for all states and territories For full information on how this can benefit you - please contact me on 0421 695 293.

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15/08/2025

Most people don’t see what happens after they hit “submit” on a loan application.
They don’t see the 6pm call I make to a lender to fight a valuation.
Or the second set of calculations I run when policy changes mid-process.
Or the emails I send to challenge something that doesn’t seem fair — because I know my client deserves a better outcome.
Mortgage broking isn’t just comparing rates and sending documents.
It’s knowing how to navigate an ever-changing system. It’s protecting people from the overwhelm.
It’s doing the work clients don’t even know they needed.
That’s the part I love most — quietly making the complex feel simple.
If you’ve ever felt like the loan process is a maze — you don’t have to figure it out alone. That’s what I’m here for. Call me anytime if you need help navigating this process.

12/08/2025

***Interest Rate Cut ***

The Reserve Bank of Australia (RBA) has today reduced the official cash rate by 0.25 percentage points, a move widely anticipated by economists and market watchers. The current cash rate now sits at 3.60%.

This decision follows several key indicators pointing to a cooling economy and easing inflationary pressures for the June 2025 quarter:

• Inflation: The RBA's preferred measures show trimmed mean inflation at 2.7% and headline CPI at 2.1%, both within the Bank's 2-3% target band.

• Employment: Unemployment edged up to 4.3%, indicating a slightly softer labour market.

Together, these indicators suggest economic momentum is slowing, giving the RBA room to adjust policy in support of sustainable growth while keeping inflation within target.
Today's decision highlights the importance of staying up to date and understanding how these changes may affect your current loan, future borrowing plans, or investment opportunities.
If you'd like to discuss what today's decision means for your situation, don't hesitate to get in touch on 0421 695 293 or email [email protected]

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20/05/2025

***Interest Rate Update ***

In welcome news for mortgage holders across the country, the Reserve Bank of Australia (RBA) has today decided to decrease the cash rate by 0.25% to 3.85%.

This move reflects the RBA's growing confidence that inflation is coming under control. Most notably, trimmed mean inflation for the March 2025 quarter came in at 2.9%, officially within the RBA's target range of 2-3%.

While the RBA is still cautious, this shift suggests a move toward easing monetary policy however there are still factors that the RBA will be watching closely, including:

• Global risks, such as Trump's tariff policies, which continue to cast a shadow on global growth, though recent easing of those tensions provides some relief.

• Locally, the RBA will be watching labour market strength, with unemployment steady at 4.1% and wage growth edging up to 3.4%, both factors could still contribute to inflation pressure in the medium term.

Whether you're considering refinancing your mortgage to secure better terms or exploring property investment opportunities, now could be an advantageous time to review your financial strategy.
If you'd like to have a chat about what today's news means for you and your finances, please don't hesitate to get in touch.
Ange 0421 695 293 or [email protected]

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13/05/2025

How heathy is your Home Loan??? If your home loan hasn't had a review for more than 2-3 years - now might be a good time to see what else is out there in the mortgage market. Contact us today to find out about your options are and obtain a free health check on your loan. You could save thousands!

01/04/2025

The Reserve Bank of Australia (RBA) has announced a hold on the cash rate of 4.10% at today's meeting.
The Reserve Bank's decision to hold the cash rate reflects a cautious and considered approach amid a complex domestic and global economic environment. Ongoing global trade uncertainties and the approaching federal election in early May 2025 are key factors the RBA is monitoring closely.
In addition to global and political factors, the RBA will be closely monitoring domestic conditions ahead of its May 2025 meeting, with fresh data on unemployment, CPI, and inflation due at the end of April 2025. While recent data shows a slight easing in headline inflation, the RBA's preferred core inflation measure remains above its desired target, with inflation yet to return to the midpoint of the 2-3% range. Any future further decline in the core inflation figures toward the 2.5% midpoint will be key in guiding the RBA's next policy move.
Today's decision underscores the importance of staying informed about economic developments and their potential impact on your finances.
Whether you're considering buying a new home, refinancing your mortgage to secure better terms or exploring property investment opportunities, now could be a good time to review your financial strategy.
If you'd like to have a chat about what today's news means for you and your finances, please don't hesitate to get in touch. My number is 0421 695 293.

Send a message to learn more