Nectar Mortgages: Commercial, Vehicle & Asset Finance Specialists

04/11/2025

Cash Rate Update: November 2025

As widely expected, the Reserve Bank of Australia (RBA) has again held the official cash rate at 3.60%.

Most economists and market analysts anticipated this outcome, following data showing annual inflation at 3.2% in the September 2025 quarter – the upper end of the RBA’s 2-3% target range.

In late October, the ABS released CPI figures showing a solid quarterly rise in prices.
The trimmed mean inflation rate, one of the RBA’s preferred measures, lifted to 3.0%, while headline inflation came in at 3.2% annually.
After rate cuts earlier in 2025, the latest figures – combined with a still-tight labour market – suggest the RBA will keep policy “sufficiently restrictive” to guide inflation back within target.

In its statement, the RBA said: “Financial conditions have eased since the beginning of the year, but it will take some time to see the full effects of earlier cash rate reductions. Given this, and the recent evidence of more persistent inflation, the Board judged that it was appropriate to remain cautious, updating its view of the outlook as the data evolve.”

What this means for you
With rates on hold, now’s a good time to review your mortgage:
• Is your rate still competitive?
• Could refinancing free up cash flow?
• Are you prepared if rates shift later this year?

Let’s chat if you’d like to make sure your loan is still working for you.

01/04/2025

📢 Cash Rate Update: April 2025

Today, the Reserve Bank held the cash rate steady at 4.10%—a move widely expected by the major banks.

Why the pause? Inflation is easing, but not as quickly as hoped. The RBA is taking a cautious “wait and see” approach to let previous rate changes flow through the economy, especially after February’s cut.

Steady unemployment and global uncertainties are also influencing the decision, with some analysts tipping a potential cut later this year, possibly after the May federal election.

🏠 Whether you’re a homeowner or buyer, now’s a great time to review your loan and make sure it’s still the right fit.
📩 Got questions about your rate or repayments? Let’s chat!

18/02/2025

📢 Cash Rate Update: February 2025

Great news for mortgage holders 🎉 Today, the Reserve Bank of Australia (RBA) cut the official cash rate, dropping it from 4.35% to 4.10%.

This long-awaited drop comes as inflation falls to a level the RBA is comfortable with, and wage pressures have eased.

This marks the first rate cut since November 2020, after rates remained at 4.35% since November 2023. The RBA had kept rates high to tame inflation without triggering a recession, but the wait is finally over.

After 13 rate hikes since May 2022, homeowners can now breathe easier. If you’re coming off a fixed rate this year, this cut could mean lower repayments than expected. 🏠💰

💬 Wondering how this impacts you? Let’s chat today and explore your options!

💼✨

10/02/2025

Boost your home’s value 🚀 with eco-friendly upgrades! 🌿 Check out our blog below👇for budget-friendly tips to make your home more sustainable. Planning larger upgrades? Ask us about 𝐠𝐫𝐞𝐞𝐧 𝐥𝐨𝐚𝐧𝐬🌱—these often come with lower interest rates and added incentives. Let’s see if a green loan is right for you! 😃

Sustainability is more than just a trend – it’s a lifestyle choice that’s becoming a priority for homeowners and buyers alike. By making eco-friendly upgrades to your property, you’re not only helping the planet but also increasing your home’s value. Green homes are more energy-efficient, ...

29/10/2024

If you're looking to upgrade or expand your vehicle fleet🚛, renovate your business premises🏬, or buy new tools for your trade⚒️, then speak with us📲. We can assist you in exploring loan options that suit your business needs👌.

24/09/2024

📢 Cash Rate Update – September 2024

As anticipated, Reserve Bank Governor Michele Bullock today announced the official cash rate (OCR) will remain at 4.35%.

The reason? Simply put, inflation is still too high because demand for goods and services—whether from households, businesses, or the government—continues to exceed what the economy can supply. When demand outstrips supply, prices rise. This is inflation. 📈

To tackle this, the Reserve Bank continues to use monetary policy to slow demand.
While most major banks predict a potential drop in the OCR in early 2025, the situation remains uncertain. Stay tuned!

🏡 Feeling the pressure as a mortgage holder? We’re here to help. Reach out, and together, we’ll explore options that may help ease the burden.

💼✨

25/07/2024

𝐖𝐚𝐧𝐭 𝐭𝐨 𝐢𝐦𝐩𝐫𝐨𝐯𝐞 𝐲𝐨𝐮𝐫 𝐛𝐨𝐫𝐫𝐨𝐰𝐢𝐧𝐠 𝐩𝐨𝐰𝐞𝐫?💪
If you're considering a home loan🏡 - whether it's a first home, an upgrade or an investment property, it pays to be prepared and get your finances in order 📑
Check out Nectar's 𝟏𝟎 𝐡𝐚𝐧𝐝𝐲 𝐭𝐢𝐩𝐬 to boost 🚀 your borrowing capacity!

We have 10 useful tips to improve your borrowing capacity and help you get on the property ladder or into a new home sooner.

24/07/2024

𝐀𝐬 𝐲𝐨𝐮 𝐬𝐞𝐭 𝐮𝐩 𝐲𝐨𝐮𝐫 𝐡𝐨𝐦𝐞 𝐥𝐨𝐚𝐧🏠💵 𝐜𝐨𝐧𝐬𝐢𝐝𝐞𝐫 𝐰𝐡𝐚𝐭 𝐥𝐨𝐚𝐧 𝐟𝐞𝐚𝐭𝐮𝐫𝐞𝐬 𝐚𝐫𝐞 𝐢𝐦𝐩𝐨𝐫𝐭𝐚𝐧𝐭 𝐭𝐨 𝐲𝐨𝐮.
Knowing how each loan feature works will help you understand which are appropriate for your financial situation and lifestyle. Some can help you pay off your loan faster, while others allow you to access additional funds.
Read our blog to find out more about loan features and how they work👇

Lenders offer features, like extra repayments, to provide flexibility to their loan products. Find out which features work best for you.

03/07/2024

Keeping track of multiple debts like credit cards, personal loans and car loans can be a headache😵‍💫 especially with high interest rates 📈
Debt consolidation could decrease your number of debts by absorbing them into your home loan📉 and potentially save you money each month too💵*
Interested? Find out more about debt consolidation here👇

*𝘊𝘰𝘮𝘣𝘪𝘯𝘪𝘯𝘨 𝘴𝘮𝘢𝘭𝘭𝘦𝘳 𝘥𝘦𝘣𝘵𝘴 𝘸𝘪𝘵𝘩 𝘺𝘰𝘶𝘳 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘮𝘦𝘢𝘯𝘴 𝘢𝘥𝘥𝘪𝘯𝘨 𝘵𝘰 𝘺𝘰𝘶𝘳 𝘵𝘰𝘵𝘢𝘭 𝘭𝘰𝘢𝘯 𝘷𝘢𝘭𝘶𝘦. 𝘛𝘩𝘪𝘴 𝘮𝘦𝘢𝘯𝘴 𝘺𝘰𝘶 𝘤𝘰𝘶𝘭𝘥 𝘦𝘯𝘥 𝘶𝘱 𝘱𝘢𝘺𝘪𝘯𝘨 𝘮𝘰𝘳𝘦 𝘪𝘯 𝘵𝘩𝘦 𝘭𝘰𝘯𝘨 𝘳𝘶𝘯. 𝑌𝑜𝑢 𝑠ℎ𝑜𝑢𝑙𝑑 𝑎𝑙𝑤𝑎𝑦𝑠 𝑠𝑝𝑒𝑎𝑘 𝑡𝑜 𝑎 𝑞𝑢𝑎𝑙𝑖𝑓𝑖𝑒𝑑 𝑚𝑜𝑟𝑡𝑔𝑎𝑔𝑒 𝑏𝑟𝑜𝑘𝑒𝑟 𝑏𝑒𝑓𝑜𝑟𝑒 𝑑𝑒𝑐𝑖𝑑𝑖𝑛𝑔 𝑡𝑜 𝑐𝑜𝑛𝑠𝑜𝑙𝑖𝑑𝑎𝑡𝑒 𝑑𝑒𝑏𝑡.

Keeping track of your car loan, credit card debt, and mortgage isn't easy. A debt consoliation loan can help you stay on track.

01/07/2024

The phrase, 𝐥𝐨𝐜𝐚𝐭𝐢𝐨𝐧, 𝐥𝐨𝐜𝐚𝐭𝐢𝐨𝐧, 𝐥𝐨𝐜𝐚𝐭𝐢𝐨𝐧🏡 is often used in real estate. But do you know what's important when you're researching a location? Find out in the link below👇
Once you've found the right spot and are serious about buying, get in touch to discuss financing your next home📱💬

Buying in a new area is about more than price. Amenities, future developments and transport options are also important considerations.

27/06/2024

Coming off your fixed rate soon📉⌛? Here are some simple strategies to help you lower your loan principal amount and repayments👇

These simple tips could help you pay off your mortgage faster and save you thousands of dollars in interest.

21/06/2024

When it comes to saving or spending more of your earnings on mortgage repayments🏡💵, choosing your home loan type is a very important decision to make.
𝐅𝐢𝐧𝐝 𝐨𝐮𝐭 𝐡𝐨𝐰 𝐝𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐭 𝐥𝐨𝐚𝐧 𝐭𝐲𝐩𝐞𝐬 𝐰𝐨𝐫𝐤, 𝐚𝐬 𝐰𝐞𝐥𝐥 𝐚𝐬 𝐭𝐡𝐞 𝐚𝐝𝐯𝐚𝐧𝐭𝐚𝐠𝐞𝐬 𝐚𝐧𝐝 𝐝𝐢𝐬𝐚𝐝𝐯𝐚𝐧𝐭𝐚𝐠𝐞𝐬 𝐨𝐟 𝐞𝐚𝐜𝐡👇
If you’d like to discuss your options, feel free to give me a call📱💬

Fixed vs Variable rates. What kind of loan should you choose in the current property market? Find out more here.