Vitality Wealth - Stacey Nicholas

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Perth, WA
Vitality Wealth - Stacey Nicholas

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WA Based Mortgage & Finance Broker
Credit Rep: 544400 of ACL: 389087

29/09/2026

🚨 RBA INTEREST RATE RISE – WHAT DOES IT MEAN FOR YOUR HOME LOAN?

The Reserve Bank of Australia has increased the cash rate by 0.25%, taking the cash rate to 4.60% — its highest level in around 15 years.

For homeowners with variable-rate mortgages, another rate rise could mean higher repayments and increased pressure on household budgets.

🏠 When was the last time you had your home loan reviewed?

With rates moving again, it could be a good time to look at:

✅ Your current interest rate
✅ Your loan structure and features
✅ Whether you're getting a competitive deal
✅ Your repayments and loan term
✅ Whether refinancing could be worth exploring

Even a small difference in your interest rate can make a difference over the life of your loan.

Don't just accept your current rate — know what options are available to you.

📲 Want to know if your home loan is still competitive? Get in touch today for a home loan review.

Stacey Nicholas - Finance Broker
✉️[email protected]
📱0413 414 829

27/09/2026

Happy King’s Birthday! 👑

Wishing everyone a relaxing long weekend filled with good company, good food, and plenty of rest. Enjoy the public holiday! ✨

Stay safe and enjoy! 🥳

Stacey Nicholas - Finance Broker
✉️[email protected]
📱0413 414 829

16/09/2026

Refinancing your home loan shouldn’t be complicated, stressful or time-consuming. It should be simple, straightforward and pain-free. 🏡✨

I recently had the pleasure of helping my client refinance their home loan, making the process smooth and easy from start to finish.

My goal is always to take the stress out of the process, explain everything clearly and make sure my clients feel confident every step of the way.

Because refinancing doesn’t have to be a headache — it should be simple. 🤍

Stacey Nicholas - Finance Broker
✉️[email protected]
📱0413 414 829

09/09/2026

💛 R U OK? 💛

A simple question can mean more than we realise: “Are you OK?”

Take a moment to check in with the people around you — a friend, family member, colleague, or someone who might be doing it tough. Listen without judgement, ask twice, and let them know you’re there.

Sometimes, a conversation can make all the difference. 💛

Stacey Nicholas - Finance Broker
✉️[email protected]
📱0413 414 829

08/09/2026

It was my absolute pleasure helping this beautiful couple bring their dream home to life. 🏡✨

It’s been such a pleasure being part of their journey and watching their vision come together. With their beautiful home still under construction, I can’t wait to see the finished result and watch their dream become a reality!

Thank you for trusting me to be part of such an exciting chapter. 🤍

Stacey Nicholas - Finance Broker
✉️[email protected]
📱0413 414 829

11/08/2026

🏦 RBA CASH RATE UPDATE | 4.35% ON HOLD

The Reserve Bank of Australia has today decided to keep the cash rate on hold at 4.35%.

While there’s no change to the cash rate today, it’s a good reminder that your mortgage rate isn’t necessarily the best rate available to you.

With lenders constantly changing their pricing and offers, it’s worth taking a closer look at your current home loan — especially if it’s been a while since you last reviewed it.

💡 Could you be paying more than you need to?

At Vitality Wealth, we can review your current mortgage, compare your options across a range of lenders, and see whether there’s an opportunity to improve your rate or loan structure.

📲 Get in touch with Vitality Wealth today for a complimentary mortgage review.

No pressure. No obligation. Just a conversation to make sure your home loan is still working for you.

Stacey Nicholas - Finance Broker
✉️[email protected]
📱0413 414 829

01/07/2026

🎉 Welcome to the 2027 Financial Year!

A new financial year is the perfect time to check in on your finances and make sure your home loan is still working for you—not against you.

Over the past year, interest rates, lending policies and tax legislation have continued to evolve. That's why now is the ideal time to review your mortgage and your financial position.

Ask yourself:
🏡 Is my home loan still competitive?
💰 Could I be saving with a better interest rate or loan structure?
📈 Has my borrowing capacity changed?
💳 Am I managing my debt as effectively as I could be?
🎯 Am I on track to achieve my financial goals—whether that's buying your first home, upgrading, investing or becoming debt-free?

Too many Australians set up a home loan and never review it. But just like your finances, your mortgage should evolve as your circumstances change.

The start of a new financial year is the perfect opportunity to take stock, review your options and make sure you're in the best position for the year ahead.

A simple home loan review today could save you thousands over the life of your loan and help you reach your goals sooner.

📞 If it's been more than 12 months since you reviewed your mortgage, now is the time. Let's make FY2027 your strongest financial year yet.

Stacey Nicholas - Finance Broker
✉️[email protected]
📱0413 414 829

30/06/2026

📢 EOFY is Here – The Rules Have Changed. Has Your Financial Strategy?

This End of Financial Year isn't just about lodging your tax return—it's about adapting to one of the biggest changes to Australia's investment landscape in decades.

With the recent changes to negative gearing and capital gains tax, the way Australians invest in property is changing. Whether you're an existing investor, looking to purchase your first property, or planning for the future, understanding how these reforms affect your financial position is more important than ever.

Now is the perfect time to:
✔️ Review your investment strategy
✔️ Understand how the new tax rules may impact you
✔️ Maximise available tax opportunities before they change
✔️ Review your borrowing capacity and cash flow
✔️ Ensure your financial plan is aligned with the new legislation

The decisions you make today could have a significant impact on your long-term wealth.

Don't wait until it's too late. EOFY is the ideal opportunity to get your finances in order, review your strategy, and make informed decisions for the year ahead.

📞 If you'd like to understand how these changes may affect you or your investment plans, get in touch today. A proactive review now could make all the difference tomorrow.

Stacey Nicholas - Finance Broker
✉️[email protected]
📱0413 414 829

22/06/2026

☕ Mortgage Myth Monday

❌ Myth: The bank you've always banked with will automatically offer you the best home loan.

✅ FACT: Different lenders assess applications differently, and the most suitable option often isn't where you currently bank.

As mortgage brokers, we compare a range of lenders and help you find a solution that aligns with your goals and circumstances.

Before signing on the dotted line, it's worth exploring your options.

Stacey Nicholas - Finance Broker
✉️[email protected]
📱0413 414 829

16/06/2026

🏡 Great news for Australian homeowners and mortgage holders!

The RBA has decided to keep the cash rate on hold, providing some welcome relief for households managing their budgets and home loan repayments. With cost-of-living pressures still front of mind, today's decision offers borrowers a chance to breathe a little easier and enjoy some stability in the lending environment.

Whether you're looking to buy your first home, refinance, invest, or simply review your current loan structure, now is a great time to explore your options.

📞 Contact Vitality Wealth today for expert guidance and tailored finance solutions to help you achieve your property and financial goals.

Stacey Nicholas - Finance Broker
✉️[email protected]
📱0413 414 829

Address

10A/2 Lancaster Street
Perth, WA
6163

Telephone

+61413414829

Website

http://www.vitalitywealth.com.au/

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