MPF Home Loans

16/01/2026

✨ Welcome to 2026! ✨

We hope everyone had a wonderful Christmas and New Year 🎄🥂

So… what’s happening in the mortgage world?

▪️Attention is turning to the Reserve Bank of Australia, which is set to hold its first policy meeting for 2026 next month, with the cash rate decision due on 3 February.
▪️RBA Governor Michele Bullock has indicated that rate rises are still a possibility if inflation proves difficult to manage.
▪️As for what’s next, the major banks don’t all agree — some are expecting rates to remain unchanged, while others are predicting a 0.25% increase as early as February.
▪️Property snapshot: Data from Cotality shows national home values increased by 0.7% in December, the slowest monthly growth in the past five months.

If you’re unsure how this could impact your home loan or borrowing plans, we’re here to help you stay ahead in 2026.

📩 Get in touch with MPF Home Loans to chat through your options.

HomeLoans AustralianProperty Finance2026

24/11/2025

Nothing makes us happier than receiving client feedback like this.

Congratulations to our clients on their new property.

If you are wanting a mortgage broker that goes above and beyond get it touch with us today.

27/08/2025

Time to say "YES" to a new bank? 💍
With rates continuing to drop, now is the perfect time to make sure your home loan is still working for you.
Contact us today to see what’s currently on offer – it might be time to Begin Again.

Disclaimer: This is just a “Love Story” about loans – not personal financial advice. Let’s chat about your situation to see if refinancing is right for you.

25/08/2025

Attention First Home Buyers!
The government has just announced that the expanded First Home Guarantee will start in October 2025.

Here’s the exciting part: income caps have been removed, so even if you earn more, you could still be eligible. Plus, property price caps have increased from $700k to $1 million for areas like Brisbane and the Sunshine Coast, making it much easier for first home buyers to find their dream property.

Why this matters:
• Get into the property market faster
• Save on lenders mortgage insurance—potentially up to $30k!
• No need to wait years to save a 20% deposit

Ready to chat to a broker? Drop me a message. I’d love to help guide you through the process! 🏡✨

18/07/2025

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Tayla Phipps Senior Client Manager Tayla is a qualified Credit Representative who joined the team at Mike Phipps Finance in 2021. Tayla holds a Bachelor’s Degree in Business majoring in Finance and Marketing. Tayla also has a Diploma in Finance and Mortgage Brokering and is a member of the MFAA. ....

11/07/2025

Most people don’t realise that as your loan balance goes down and your property value goes up, you can fall into a better LVR (loan-to-value ratio) bracket… and that could mean a much better interest rate 💸

If you’ve owned your home for a long time, done some renovations or property prices in your area have jumped you may be able to refinance or request better pricing from your current bank.

If you’re not sure where you sit or want me to take a quick look, feel free to reach out.

21/05/2025

Buying your first home can feel overwhelming — but with the right support, it becomes an exciting and empowering journey. 💫
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Huge thank you to Brady for the kind words! It was a pleasure to help you secure your first home, and I can’t wait to support you again when you're ready for property #2 🏡✨
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20/05/2025

🏦 RBA cuts the cash rate by 0.25% to 3.85%

The Reserve Bank has just announced a 0.25% reduction to the cash rate, now sitting at 3.85%. This presents a valuable opportunity for homeowners and investors to reassess their current lending arrangements.

At MPF Home Loans, I work with clients to ensure their home loans remain competitive and aligned with their financial goals. Whether you're unsure how this rate change affects you or simply haven't reviewed your loan in some time, I’m here to help.

📩 Get in touch for a complimentary home loan review – no pressure, just clear guidance.
Now is the time to make sure your loan is working for you.

31/03/2025

Another successful refinance settled! Our clients were able to:

✔️ Consolidate existing debts into one manageable repayment
✔️ Access equity to fund their home renovations
✔️ Secure a lower interest rate, improving their long-term financial position

A well-structured loan can make all the difference. If you're considering refinancing to optimize your mortgage and achieve your financial goals, let's discuss how we can assist.

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21/03/2025

More savings, more possibilities! 💡 Russell refinanced his mortgage, secured a better deal, and accessed extra cash for home renovations. Want to do the same? Let’s talk! ✅ "

28/02/2025

🎉 Congratulations to our wonderful clients on the settlement of their land loan! 🏡✨ This is the first exciting step toward building their forever home for their family.

We have already secured them a pre-approval for their construction loan when the time comes to bring their vision to life. 🏗️🔑

If you’re looking to secure land or finance your dream build, we’re here to help!