Antony Allan - Rate One - Senior Mortgage Broker

09/09/2026

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.

📩 [email protected]
📞 0468 421 972
https://antonyallan.com

01/09/2026

August 2026 Residential Property Report is now available...
Click the link to view/download... 🙂

Our free monthly property report, the Month in Review identifies the latest movements and trends in property markets across Australia written by our Herron Todd White experts.

27/08/2026

Falling prices are changing the balance between buyers and sellers – but the slowdown isn't affecting every property equally.

Australia's median property price fell 0.7% in July, the largest monthly decline since December 2022, according to Cotality.

Prices were down 1.9% over the July quarter.

But there's an interesting divide underneath those headline numbers.

Expensive homes are falling faster

Over the three months to July:
Upper-quartile home values fell 3.2%.
Lower-quartile values actually rose 0.3%.
Buyers remain constrained by affordability, mortgage serviceability and cost-of-living pressures, while confidence is weaker than earlier in the year. (see table in comments)

Sellers have taken longer to adjust, although Cotality says expectations are now beginning to shift.

For buyers, softer conditions may create more negotiating room – particularly at the higher end.

For sellers, realistic pricing may become increasingly important.

Knowing your borrowing ceiling before you negotiate can be especially valuable in a shifting market. Get in touch and we can work through the numbers.

📩 [email protected]
📞 0468 421 972
https://antonyallan.com

25/08/2026

21/08/2026

Home loans for your first home, refinance or investment, made easy!

12/08/2026

If you haven't heard of 'loyalty tax' or 'rate drift', they are terms used to describe the premium you pay for sticking with one lender when that same lender is offering a lower interest rate to its newest customers.

Many people don't even realise that this is happening, but a growing number of borrowers are catching on and taking action by shopping around and switching to better deals.

If you haven't refinanced for a while, or have a feeling that your current lender isn't giving you the best rate possible, get in touch for a free home loan review. I'll either negotiate with your current lender on your behalf or find an alternative lender who can give you a better deal.

📩 [email protected]
📞 0468 421 972
https://antonyallan.com

11/08/2026

For the second meeting in a row, the Reserve Bank of Australia has left the cash rate unchanged at 4.35%.

With rates on hold again, now is a good time to pause and ask yourself: is your home loan still working as hard for you as it could be?

I can review your current loan and help you determine whether it’s still the right fit for your circumstances, or whether there may be a better deal available.

✉️ [email protected]
📲 0468 421 972
https://antonyallan.com

06/08/2026

It’s very easy to get a better deal on your home loan...

✔️ Engage a mortgage broker (at no expense to you).
✔️ Relax as we delve into countless possibilities on your behalf.
✔️ Enjoy a brighter financial future!

If you want to find out what better deals are available to you, feel free to call me, email me, or drop me a message.

✉️ [email protected]
📲 0468 421 972
https://antonyallan.com

04/08/2026

Many homeowners have built far more equity than they realise – and that could translate into lower mortgage repayments.

According to PropTrack, house prices rose over the year to June in 85% of suburbs across Australia, while unit prices increased in 90% of suburbs. (See table in comments)

Although prices have softened recently, many homeowners have built enough equity to refinance on more competitive terms.

Why equity matters

Cotality reported that the national median property price fell 0.7% in the June quarter, but values remain well above where they were a year ago.

For many borrowers, that means they may now have at least 20% equity in their property – allowing them to refinance without paying lenders mortgage insurance.

s your current loan still competitive?

Competition between lenders remains strong, with many offering lower rates to attract new customers.

If you've built sufficient equity, refinancing to a comparable loan could potentially reduce your interest rate and save thousands of dollars each year, depending on your loan and circumstances.

Even if you don't switch lenders, understanding what's available can put you in a stronger position.

Many borrowers don't realise how much their refinancing options have improved. A quick home loan review could reveal opportunities to reduce your repayments.

📩 [email protected]
📞 0468 421 972
https://antonyallan.com