ARG Finance Pty Ltd

29/09/2026

Fourth rate rise of the year. Highest cash rate since 2011.

The headline is done — here's what actually matters this week:

🏠 Home loan: has your lender passed on all four? And what are they offering new customers today? If those two numbers are different, you're paying for loyalty.

🏗️ Business: overdrafts, lines of credit and variable equipment finance move with the cash rate too. Check what your facility costs you now, not what it cost when you set it up.

📅 Tomorrow: the September-quarter inflation figures land. They'll say more about the next move than today's decision does. Don't lock anything in on the headline alone.

Not sure where you stand? Our Home Loan Health Check takes 30 seconds, no credit enquiry: https://argfinance.com.au/home-loan-tools-health-check-borrowing-capacity/
Business owner? Book an obligation-free 15-minute call: https://info.argfinance.com.au/commercial-finance-strategy-call

ARG Finance · Notting Hill & Williams Landing · 1300 511 655
Australian Credit Licence 389087. General information only — not financial or tax advice. Approval and terms subject to lender criteria and your circumstances.

16/09/2026

Profitable on paper. Tight in the bank.

It's the conversation I have most often with business owners, and it almost never means the business is in trouble. It means three things have lined up at once:

→ Debtors pay at 30, 60, sometimes 90 days
→ Payroll, rent, stock and the ATO don't wait that long
→ The overdraft is maxed, or was never set up

That's a timing problem with a funding fix. Depending on the business, that's a working capital facility, invoice finance, a secured or unsecured business loan, or simply a properly sized overdraft that should have been in place two years ago.

The worst time to arrange finance is the week you need it. Lenders price urgency, and a rushed application gets the file you'd rather not send. Fifteen minutes now, while nothing is on fire, is usually enough to know what's available and what it would cost you.

Happy to have that conversation — no cost, no obligation: https://ap1.hubs.ly/H01n3q50

ARG Finance
Australian Credit Licence 389087. General information only — approval and terms are subject to lender criteria and your circumstances.

04/09/2026

Three of the big four banks are now forecasting a rate rise before the end of the year. Most economists still expect a hold. 📈
Nobody knows for certain — the RBA meets again on 29 September. But "wait and see" only works as a strategy if you already know your numbers.
Two things worth doing this weekend:
1️⃣ Find out whether your current rate is still competitive. If rates do move, the gap between a sharp loan and a lazy one gets wider, not narrower.
2️⃣ Know what your repayment looks like if it does go up — so it's a decision you've already made, not a surprise on the direct debit.
Our Obligation free Home Loan Health Check does the first one in 30 seconds. No credit check, no obligation. 👇
https://ap1.hubs.ly/H01lD210
📞 1300 511 655 | Williams Landing & Notting Hill

03/09/2026

444 people left a Google review. All of them gave five stars. ⭐️
No script, no pressure, and a panel of lenders instead of one bank's product list. Sometimes the answer is "you're already on a good deal" — and we'll tell you that too.
16 years. Still picking up the phone.
📞 1300 511 655

12/08/2026

HSBC is leaving Australian retail banking.

Announced 31 July: the bank will wind down its Australian retail business over about 18 months. Its $36bn home and personal loan book — around 120,000 accounts — has been sold, with Pepper Money set to manage those loans from 2027. New retail applications have already stopped.

For HSBC borrowers, nothing changes overnight. But the banking relationship you signed up for is ending — and doing nothing means your loan is managed by a lender you didn't choose.

That makes this a sensible moment for a proper review: your rate, your structure, your offset, and what 30+ other lenders would offer you today.

16+ years helping Melbourne borrowers and business owners put themselves in a stronger position. A loan review costs nothing. Staying on the wrong loan does.

📩 argfinance.com.au · 1300 511 655

Take this 60-second refinance scorecard to see whether your current home loan is still competitive or quietly costing you more than it should.

11/08/2026

RBA UPDATE: The cash rate stays at 4.35%.

That's three rises in 2026, then two holds. Economists don't expect cuts until 2027 — which means the rate you're paying today is the rate you'll likely carry for a while.

Two questions worth asking this week:

Is your lender still competitive at this rate?
Are you on the loan structure that suits where your finances are now — not where they were two years ago?

A loan review costs nothing. Staying on the wrong rate does.

📩 Message us for an obligation-free loan health check.


ARG Finance Pty Ltd · Australian Credit Licence 389087. General information only — this does not consider your objectives, financial situation or needs. Consider whether it's right for you before acting. Terms, conditions and lending criteria apply.

10/08/2026

RBA DECISION TOMORROW — 2:30PM

The RBA hands down its cash rate decision tomorrow at 2:30pm.

After three rate rises this year took the cash rate to 4.35%, all four major banks now expect a hold — June quarter inflation came in softer than forecast.

What it means for you:
→ Variable rate borrowers: no immediate change expected, but lenders reprice independently of the RBA
→ Fixed rates rolling off soon: your revert rate is set by your lender, not the RBA
→ Business owners: funding costs look to have peaked — a good window to review facilities

We'll post the outcome tomorrow. If your loan hasn't been reviewed since the February rises, it's overdue.

📩 DM us or visit argfinance.com.au

03/08/2026

SETTLED ✅ Four weeks. That's all the time this client had between walking into our office and settlement day on a block of industrial land in Mickleham — the site where they'll build the warehouse their business will run from. 🏗️
Commercial loans usually need much more runway than that. But with the right structure and a major lender who could move quickly, funding was organised and the deal settled on time.
Every deal is different — and earlier is always easier. But if you're up against a deadline, don't assume it's too late. Talk to us first.
📞 1300 511 655
ARG Finance Pty Ltd | Australian Credit Licence 389087. Lending criteria apply.

02/08/2026

Big change for SMSF property investors: from 10 August 2026, new SMSF loans (LRBAs) can only be used for business real property — not residential investment property. 🏗️
Already have an SMSF loan? Existing arrangements are grandfathered, and refinancing them can continue.
Not sure what this means for your plans? That's what a strategy session is for. We arrange investment and SMSF-compliant lending across 30+ lenders, working alongside your accountant or adviser.
📞 1300 511 655
General information only — not financial, tax or legal advice. Consider advice from a licensed financial adviser before making SMSF decisions. ARG Finance Pty Ltd | Australian Credit Licence 389087. Lending criteria apply.

30/07/2026

What if the deposit standing between you and your first home could be 5% — not 20%? 🏡🔑
Under the Australian Government's Home Guarantee Scheme, eligible first home buyers may be able to buy with:
✨ Just a 5% deposit
✨ No Lenders Mortgage Insurance
✨ No income caps
Eligibility criteria, property price caps (which vary by location) and lending criteria apply — and that's exactly where we come in. We'll check whether you qualify, help you apply for pre-approval, and walk you through every step.
Your rent money could be building YOUR future, not your landlord's.
👉 Tap the link in bio for an obligation-free first-home chat — or call 1300 511 655. No pressure — just answers.
ARG Finance | Australian Credit Licence 389087