Home Loan Village

27/05/2026

Quick one on the rate move.

Cash rate's at 4.35%. Most of the lenders have now moved their variable rates -CBA last Friday, others either side of that.

If you're on a variable rate you'll see it come through on your repayments within a month or so. Not catastrophic, but you'll feel it.

Two things worth doing this week, and they take about 15 minutes between them:

Find out what rate you're actually on. Open the app. Don't guess - people are nearly always off when they guess.

Then have a look at what's around right now, including from your own lender.

Things change. The product that fit two years ago might not be the one for now.

If there's a gap between what you've got and what's out there, that's a real conversation. If there isn't, you've spent 15 minutes and you can stop thinking about it.

Not financial advice.

26/05/2026

Worth telling you about a couple I saw last week. Their fixed rate term had ended and they came in basically to confirm they should just take the new rate their bank had put in front of them.

I asked if they'd looked around at all. They hadn't - figured there wasn't much point.

We had a proper look. Ended up moving them to a different lender, similar setup, and the numbers worked better for where they're at. Nothing dramatic, just - better.

The thing is they were close to just signing. People do that all the time. Not because they're lazy, just because comparing home loans is genuinely a pain and you assume the gap can't be that big.

Sometimes it isn't. Sometimes it is. You don't really know until someone looks.

Need to chat? Book an obligation-free meeting here: www.calendly.com/homeloanvillage/30min

14/05/2026

If someone stopped you in the street and asked, could you tell them:

- Your current interest rate
- Your monthly repayment
- When your fixed rate ends (or "I'm variable")

If you can't answer all three without checking your banking app - that's the problem.

Not because you should be obsessing over your mortgage. But because the people who get caught out by rate moves are almost always the ones who'd lost track of where they were sitting in the first place.

Five minutes with your last statement gets you sorted. No call required.

13/05/2026

Every broker, every news article, every finance person on the internet right now is saying the same thing: review your home loan.

Fair enough. But what does that actually mean? Here's what it looks like on my end:

🏠I pull your current loan - rate, structure, fees, features, the lot.
🏠I check what you'd qualify for today (your borrowing capacity has probably changed since you took the loan out).
🏠I run your loan against what's actually available in the market right now — not the advertised rates, the real ones.
🏠 I tell you whether moving is worth it. Sometimes the answer is no. That's still useful information.

That's it. No paperwork until there's a reason for paperwork. No pressure either way.

If "review your loan" has felt vague every time you've heard it - that's why I'm telling you what's underneath the phrase.

📸 | Shameless plug of my gorgeous dog for attention:)

10/05/2026

29/04/2026

Rates might come down eventually. Or they might go up again first.

Either way, the loan you're on right now is the one costing you money.

27/04/2026

The RBA meets again on 4 - 5 May.

Two rate rises already in 2026. Markets are currently pricing in a better-than-even chance of a third.

Nobody knows for certain what's coming. But here's what I do know:

If you're on a variable rate and haven't reviewed your loan in the last 6 months - you're probably paying more than you need to be, regardless of what the RBA does next week.

Whether they hold or hike, the smartest move right now is to know exactly where you stand.

DM me or book a free review via calendly link (bio)

21/04/2026

Don't be this person.Your bank isn't going to call you and offer a better deal. That's not how it works.
If your rate hasn't been reviewed in the last 12 months, you're probably paying more than you need to be.
Free loan review: homeloanvillage.com.au

20/04/2026

The most common question we get from first home buyers is about the deposit. And honestly - the answer surprises most people. If you're saving and trying to hit a number, make sure it's the right number first.

Happy to walk you through it at no cost.

14/04/2026

Here's what I'm telling clients right now:

Don't let rate uncertainty freeze you.

Whether rates go up again or eventually come down - the move that pays off in any direction is reviewing your current loan. Most people are sitting on a rate they could improve. Today.

If your variable rate is above 5.5%, there's a good chance you're paying more than you need to be.