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📰 Interest Rate Update: RBA lifts cash rate to 4.60%The Reserve Bank has today increased the cash rate by 0.25 percentag...
29/09/2026

📰 Interest Rate Update: RBA lifts cash rate to 4.60%

The Reserve Bank has today increased the cash rate by 0.25 percentage points to 4.60%, its fourth increase this year.

While headline inflation eased to 3.5% in July, down from 3.8% in June, underlying inflation (the RBA's preferred trimmed mean measure) held at 3.6%. That's still above the RBA's 2–3% target range.

Two main factors are keeping pressure on prices. Rising global energy costs are flowing through to the price of other goods and services. The RBA has also signalled that the jobs market is still adding to wage and business costs, even with unemployment edging up to 4.6%.

The RBA will continue to watch inflation, household spending and the labour market closely.

What could this mean for you? If you have a variable rate home loan, this increase may flow through to your interest rate and repayments. It could be a good time to review whether your current rate, lender and loan structure are still competitive.

If you'd like to understand your options, we're here to help. 📞 1300 308 225

General information only — not financial advice. Australian Credit Licence 378386.

Saturday scrolling realestate.com.au and wondering: “Could I actually afford that?” Here’s how lenders decide. 👇Your bor...
15/08/2026

Saturday scrolling realestate.com.au and wondering: “Could I actually afford that?” Here’s how lenders decide. 👇

Your borrowing power comes down to five main things:
• Income — salary, and how stable/provable it is
• Expenses — your real living costs (yes, they look)
• Existing debts — car loans, credit card limits (even unused ones count)
• Deposit — size and source
• The buffer — lenders stress-test you at a higher rate than you’ll pay

Here’s the kicker: different lenders can land on very different numbers for the same person. That gap is exactly why comparing 35 lenders matters.

Want your real number instead of an online calculator’s guess? That conversation is free. 📞 1300 308 225

General information only — not financial advice. Subject to lender assessment and criteria. ACL 378386.

Here's something you might not expect a mortgage broker to say: sometimes we tell people not to refinance. 🤷Honestly, it...
13/08/2026

Here's something you might not expect a mortgage broker to say: sometimes we tell people not to refinance. 🤷

Honestly, it happens most weeks. Three common examples:

1️⃣ The exit costs outweigh the savings — break fees on a fixed loan can eat years of benefit. If the maths doesn't work, we say so.

2️⃣ Your current deal is actually good — sometimes we run the comparison and your lender is still competitive. Great news; stay put. We'll check again next year.

3️⃣ The timing's wrong for you — if you're about to change jobs or your circumstances are shifting, refinancing now can create problems. Better to wait.

Why tell you this? Because our advice is free either way — and being straight with people is why they come back (and send their mates). The review costs nothing, and "you're fine where you are" is a perfectly good outcome.

Want an honest look at your loan? That's the whole offer. 📞 1300 308 225

General information only — not financial advice. Subject to individual circumstances. ACL 378386.

📰 Interest Rate Update — RBA holds at 4.35%The Reserve Bank has today kept the cash rate unchanged at 4.35%, giving borr...
11/08/2026

📰 Interest Rate Update — RBA holds at 4.35%

The Reserve Bank has today kept the cash rate unchanged at 4.35%, giving borrowers some welcome stability while it assesses how earlier increases are flowing through the economy.

Some encouraging signs: headline inflation eased to 3.8% in June, down from 4.0% in May. Underlying inflation (the RBA's preferred trimmed mean measure) is holding at 3.6% — still higher than the Bank would like.

One to watch: with the temporary fuel excise reduction ending in early August, petrol prices are expected to lift as the full excise returns — which could add some upward pressure to inflation in the coming months.

What could this mean for you? Even when rates stay unchanged, your home loan doesn't have to. It could be a good time to review your current rate, repayments and loan structure to make sure they still suit you.

Whether you're planning ahead or simply want to explore your options, we're here to help. 📞 1300 308 225

General information only — not financial advice. Australian Credit Licence 378386.

Three letters that confuse nearly every first home buyer: L-M-I. Let’s demystify it. 👇What it is: Lenders Mortgage Insur...
11/08/2026

Three letters that confuse nearly every first home buyer: L-M-I. Let’s demystify it. 👇

What it is: Lenders Mortgage Insurance — a one-off premium lenders usually charge when your deposit is under 20%. Important: it protects the lender, not you.

Is it always bad? Honestly — no. For some buyers, paying LMI to get in sooner beats saving for years while prices move. It’s a trade-off, not a trap.

Can you avoid it? Sometimes:
• A 20% deposit
• Eligible government schemes (e.g. first-home guarantee places)
• A family guarantee
• Certain professions get LMI waivers with some lenders

Whether paying it, avoiding it, or waiting is right for you — that’s a numbers conversation we’re happy to have, free.

General information only — not financial advice. Eligibility and lender criteria apply. ACL 378386.

Heading to open homes this morning? Quick question before you fall in love with one: are you pre-approved? 🏡Pre-approval...
08/08/2026

Heading to open homes this morning?

Quick question before you fall in love with one: are you pre-approved? 🏡

Pre-approval means a lender has looked at your finances and indicated what they’d likely lend you.

Why it matters on a Saturday:
• You know your budget — no guessing, no heartbreak
• Agents and sellers take your offer seriously
• You can move fast when the right one appears

It typically lasts around 3–6 months, and organising it costs you nothing with us — we handle the whole thing.

Happy house hunting, Perth — and if you find the one this morning, you’ll be glad you sorted this first. 😉

Pre-approval is subject to lender assessment and criteria. General information only. ACL 378386.

Our fortnightly Perth pulse — what we’re actually seeing on the ground. 📊• Perth is still one of the country’s strongest...
06/08/2026

Our fortnightly Perth pulse — what we’re actually seeing on the ground. 📊

• Perth is still one of the country’s strongest markets — values keep edging up.
• But it’s calmer than the frenzy — more listings, homes taking a little longer to sell, buyers getting breathing room again.
• Rates are steady — the RBA has been holding, which brings a bit of certainty to budgeting.

What it means in practice: sellers still have a good market, and buyers finally have time to think — if their finance is organised.

Question about what this means for your situation? That’s literally what we’re here for. Ask below or give us a call. 👇

General information only — not financial advice. Market conditions change. ACL 378386.

The question we get asked more than any other: “How much deposit do I actually need?” 🤔Here’s the honest answer — it dep...
04/08/2026

The question we get asked more than any other: “How much deposit do I actually need?” 🤔

Here’s the honest answer — it depends, but the magic “20%” number isn’t the whole story:

• 20% — the traditional benchmark. Avoids Lenders Mortgage Insurance (LMI).
• 10–15% — very common. You’ll likely pay some LMI, but you’re in the market sooner.
• 5% — possible for eligible buyers through certain lender programs and government schemes.
• Even less — with a family guarantee, some buyers get in with little to no deposit.

The right path depends on your income, the property, and your eligibility — and that’s exactly what we work out with you, for free.
Got a deposit question? Ask away in the comments or send us a message — that’s what we’re here for. 👇

General information only — not financial advice. Eligibility and lender criteria apply. ACL 378386.

🏆 We're a finalist! Some exciting news to share…Top Mortgages has been named a finalist in the AFG Excellence Awards 202...
20/07/2026

🏆 We're a finalist! Some exciting news to share…

Top Mortgages has been named a finalist in the AFG Excellence Awards 2026 — recognised among the Top 30 broking groups in WA.

This one means a lot. After 20 years of helping WA families buy, build, invest and refinance, being recognised alongside the state's best is genuinely humbling — and it belongs to our clients as much as it does to us. Every referral, every kind review, every family who trusted us with one of the biggest decisions of their lives: thank you. 💙

To Rhys, Mike and our whole team — this is what "we do the leg work" looks like when it's done with care, every single time.

Here's to the next 20 years, Perth. 🥂

Your free home loan review is waiting. ✨Here's what you get, at no cost to you:✅ A full review of your current loan✅ A c...
19/07/2026

Your free home loan review is waiting. ✨

Here's what you get, at no cost to you:

✅ A full review of your current loan
✅ A comparison across 35 lenders
✅ Honest advice — we'll tell you if it's not worth switching
✅ Zero pressure, zero obligation

If it's been a while since you checked, consider this your sign. Let's make sure your loan is still working as hard as you are.

📞 1300 308 225 · book online: https://topmortgages.com.au/book-a-call/

General information only — not financial advice. ACL 378386.

Address

4/939 Wanneroo Road Wanneroo
Perth, WA
6065

Telephone

+611300308225

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