Leonard Dato - Mortgage Broker & Finance

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🏡 Welcome to Your Finance Group Pty Ltd - Your Ultimate Finance Partner!

👋 Hey there, and thanks for dropping by! We're not your typical financial service – we're the dream team you've been searching for when it comes to all things finance. 🚀

Your Finance Group are your professional finance brokers working across Australia. Whatever you’re looking to finance, we can help you find the deal that suits your needs. With our years of experience
and excellent knowledge of the loan markets, we can provide a personalised solution and take the hard work out of finding a loan. Contact us now for a comprehensive service to match your requirements.

💼 Our Passion: Empowering Your Financial Dreams

Whether it's home finance, vehicle finance, equipment finance, business/commercial finance, or personal finance, we've got your back. We're not just here to provide services; we're here to make your financial aspirations a reality. 🌟

🔍 Why Choose Us?

✅ Personalized Solutions: We know one size doesn't fit all. Our experienced team is all about finding the perfect, tailor-made solution for you.

✅ Market Mastery: With years of experience and an in-depth knowledge of the loan markets, we're your go-to source for securing the best deals.

✅ Hassle-Free Finance: We'll do the legwork, so you don't have to. Say goodbye to the stress of searching for a loan.

📞 Get in Touch

Ready to embark on your financial journey? We're here to provide a comprehensive service that matches your unique requirements. Your dreams, your finance, your future – it all starts here. Let's turn your financial aspirations into a success story together.

02/10/2026

🏡 Australian house market update: HTW September 2026 Property Clock

HTW's September 2026 Month in Review placed Australian house markets across different stages of the property cycle.

This is HTW's generalised view at that point in time. It is not a forecast, valuation, performance indicator or signal to buy, sell or invest. Conditions can differ by location, property type and individual circumstances.

Considering a home purchase or refinance? Your Finance Group Pty Ltd can help you understand home loan options and lender criteria based on your circumstances.

📩 [email protected]

📊 Source and credit: Herron Todd White (HTW), Month in Review September 2026, National Property Clock: Houses. Full report: https://htw.com.au/month-in-review/

⚠️ General information only. This is not personal advice or a recommendation. Lending criteria, fees, terms and conditions apply. Your circumstances should be assessed before you make a decision.

Your Finance Group Pty Ltd | ABN 67 099 850 478 | ACL 386877 | ACR 529261

Shared from: https://www.facebook.com/share/r/1Ed6dTgnfC/

📢 RBA cash rate updateThe Reserve Bank of Australia has increased the cash rate target by 25 basis points (0.25 percenta...
29/09/2026

📢 RBA cash rate update
The Reserve Bank of Australia has increased the cash rate target by 25 basis points (0.25 percentage points), from 4.35% to 4.60%, following its 29 September 2026 meeting.

🏡 Why does this matter?
If lenders increase variable home loan rates, repayments for affected borrowers may rise. Lenders may also change assessment rates or lending policies, which may reduce borrowing capacity for some applicants. Changes are not automatic and can vary by lender, product and individual circumstances.

📩 Concerned about how changing lender rates may affect your future lending plans? Email: [email protected] for a general discussion about the next steps.

📚 Source: Reserve Bank of Australia: https://www.rba.gov.au/

⚠️ General information only. This is not personal financial advice and does not take into account your objectives, financial situation or needs. RBA decisions do not automatically change lender rates. Lenders set their own rates, policies, pricing and timing. Lending criteria, fees, terms and conditions apply. Rates and information may change.

Your Finance Group Pty Ltd | ABN 67 099 850 478 | ACL 386877 | ACR 529261

Shared from: https://www.facebook.com/share/p/1DMmgCzJLx/

📌 RBA meeting reminder:Australia’s next Reserve Bank of Australia (RBA) cash rate decision is scheduled for release at 2...
28/09/2026

📌 RBA meeting reminder:

Australia’s next Reserve Bank of Australia (RBA) cash rate decision is scheduled for release at 2.30 pm AEST on Tuesday, 29 September 2026.

The RBA Monetary Policy Board is meeting on 29 September 2026. No cash rate decision has been announced. This Monday post is a timing reminder only. We will share a separate update after the official RBA decision.

Australians may follow RBA cash rate decisions because interest rates can affect borrowing, saving and broader economic conditions. Any lender response is separate: lenders decide if, when and how their interest rates, policies or pricing change.

📚 Source: Reserve Bank of Australia: https://www.rba.gov.au/

⚠ General information only. Not personal financial advice. This content does not take into account your objectives, financial situation or needs. An RBA cash rate decision does not automatically change lender interest rates; lenders determine their own rates, policies and pricing. Lending criteria, fees, terms and conditions apply.

Your Finance Group Pty Ltd | ABN 67 099 850 478 | ACL 386877 | ACR 529261 | [email protected]

Source: https://www.facebook.com/share/p/1Erj9wcBwB/

21/08/2026

🏘️ Home Loans – Investment
📊 Indicative Interest Rate Update
Rates current as at 21 August 2026.

📩 If you would like to understand how these sample rates compare with your current investment loan, email [email protected] to request a formal rate and structure assessment.

This update includes sample competitive interest rate examples sourced from selected participating lenders within our approved panel at the time of search.

Sample assumptions used:
Loan Amount: $600,000
Security Value: $750,000
Maximum Loan-to-Value Ratio (LVR): 80%
Loan Term: 30 years
Principal & Interest repayments

Investment lending conditions, interest rates and lender policies can change over time. Actual interest rates will vary depending on the lender, loan product, borrower profile and individual circumstances.

📩 If you would like to understand how these sample rates compare with your current investment loan, email [email protected] to request a formal rate and structure assessment.

⚠️ Disclaimer
Sample competitive interest rate examples sourced from selected participating lenders within our approved panel at the time of search.

Rates are indicative only, subject to change without notice and may not be available at the time of application. Available to eligible borrowers only and subject to lender assessment, lending criteria, loan amount, LVR, security, repayment type and individual circumstances. Fees and charges may apply.

The comparison rate is based on a loan amount of $150,000 over a 25 year term.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Full terms and conditions are available on application.

Lending criteria, terms and conditions apply. General information only. Not personal advice.

Your Finance Group Pty Ltd | ABN 67 099 850 478 | ACL 386877

21/08/2026

🏡 Home Loans – Owner Occupied
📊 Indicative Interest Rate Update
Rates current as at 21 August 2026.

📩 If you would like to understand how these sample rates compare with your current home loan, email [email protected] to request a formal rate and structure assessment.

This update includes sample competitive interest rate examples sourced from selected participating lenders within our approved panel at the time of search.

Sample assumptions used:
Loan Amount: $600,000
Security Value: $750,000
Maximum Loan-to-Value Ratio (LVR): 80%
Loan Term: 30 years
Principal & Interest repayments

Interest rates, lender policies and borrower circumstances can change over time. Actual interest rates will vary depending on the lender, loan product, borrower profile and individual circumstances.

⚠️ Disclaimer
Sample competitive interest rate examples sourced from selected participating lenders within our approved panel at the time of search.

Rates are indicative only, subject to change without notice and may not be available at the time of application. Available to eligible borrowers only and subject to lender assessment, lending criteria, loan amount, LVR, security, repayment type and individual circumstances. Fees and charges may apply.

The comparison rate is based on a loan amount of $150,000 over a 25 year term.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Full terms and conditions are available on application.

Lending criteria, terms and conditions apply. General information only. Not personal advice.

Your Finance Group Pty Ltd | ABN 67 099 850 478 | ACL 386877

11/08/2026

📢 RBA cash rate update:
The Reserve Bank of Australia has left the cash rate target unchanged at 4.35% following its 11 August 2026 meeting.

An unchanged RBA cash rate does not guarantee that lender rates will remain unchanged. Lenders continue to set and review their own rates, policies, pricing and timing.

The cash rate can influence borrowing, saving and economic conditions across Australia. The effect on any individual depends on their lender, product, rate type, balance, loan term and circumstances.

Source: Reserve Bank of Australia – Monetary Policy Decision, 11 August 2026
https://www.rba.gov.au/
https://www.rba.gov.au/monetary-policy/int-rate-decisions/
https://www.rba.gov.au/cash-rate-target-overview.html

General information only. Not personal financial advice.

This content does not take into account your objectives, financial situation or needs. RBA cash rate decisions do not automatically change lender rates.

Lenders set their own rates, policies, pricing and timing. Lending criteria, fees, terms and conditions apply. Rates and information may change.

Your Finance Group Pty Ltd | ABN 67 099 850 478 | ACL 386877 | ACR 529261 | [email protected]

05/08/2026

🏙️ Australian commercial office property update: HTW July 2026 Property Clock

HTW's July 2026 Month in Review placed Australian office markets across different stages of the property cycle.

This is HTW's generalised view at that point in time. It is not a forecast, valuation, performance indicator or signal to buy, sell or invest. Local property, lease, business and lending factors still need to be considered.

Considering commercial property finance or refinancing? Your Finance Group Pty Ltd can help you understand finance options and lender requirements based on your circumstances.

📩 [email protected]

📊 Source and credit: Herron Todd White (HTW), Month in Review July 2026, National Property Clock: Office. Full report: https://htw.com.au/month-in-review/

⚠️ General information only. This is not personal advice or a recommendation. Lending criteria, fees, terms and conditions apply. Your circumstances should be assessed before you make a decision.

Your Finance Group Pty Ltd | ABN 67 099 850 478 | ACL 386877 | ACR 529261

05/08/2026

🏢 Australian unit and apartment market update: HTW July 2026 Property Clock

HTW's July 2026 Month in Review placed Australian unit markets across different stages of the property cycle.

This is HTW's generalised view at that point in time. It is not a forecast, valuation, performance indicator or signal to buy, sell or invest. Conditions can differ by location, building, property type and individual circumstances.

Considering buying a unit or refinancing an existing unit loan? Your Finance Group Pty Ltd can help you understand home loan options and lender criteria based on your circumstances.

📩 [email protected]

📊 Source and credit: Herron Todd White (HTW), Month in Review July 2026, National Property Clock: Units. Full report: https://htw.com.au/month-in-review/

⚠️ General information only. This is not personal advice or a recommendation. Lending criteria, fees, terms and conditions apply. Your circumstances should be assessed before you make a decision.

Your Finance Group Pty Ltd | ABN 67 099 850 478 | ACL 386877 | ACR 529261

05/08/2026

🏡 Australian house market update: HTW July 2026 Property Clock

HTW's July 2026 Month in Review placed Australian house markets across different stages of the property cycle.

This is HTW's generalised view at that point in time. It is not a forecast, valuation, performance indicator or signal to buy, sell or invest. Conditions can differ by location, property type and individual circumstances.

Considering a home purchase or refinance? Your Finance Group Pty Ltd can help you understand home loan options and lender criteria based on your circumstances.

📩 [email protected]

📊 Source and credit: Herron Todd White (HTW), Month in Review July 2026, National Property Clock: Houses. Full report: https://htw.com.au/month-in-review/

⚠️ General information only. This is not personal advice or a recommendation. Lending criteria, fees, terms and conditions apply. Your circumstances should be assessed before you make a decision.

Your Finance Group Pty Ltd | ABN 67 099 850 478 | ACL 386877 | ACR 529261

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Perth, WA

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+61424227445

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