Nectar Broker: Sandii McManus

14/05/2026

I’m excited to share that I’ve recently returned to Nectar Mortgages and would love to reconnect with you all.
I now have a new page, so I’d love for you to follow along to stay up to date with the latest mortgage and lending news, tips and updates.
Please note that this page you're on now will close on August 15, so be sure to head across and follow my new page.
Click the link below and let’s connect: https://www.facebook.com/nectarmortgages.sandiimcmanus

06/05/2026

𝐂𝐨𝐧𝐟𝐮𝐬𝐞𝐝 𝐛𝐲 𝐚𝐥𝐥 𝐭𝐡𝐞 𝐡𝐞𝐚𝐝𝐥𝐢𝐧𝐞𝐬 𝐚𝐫𝐨𝐮𝐧𝐝 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐫𝐚𝐭𝐞𝐬, 𝐢𝐧𝐟𝐥𝐚𝐭𝐢𝐨𝐧 𝐚𝐧𝐝 𝐭𝐡𝐞 𝐞𝐜𝐨𝐧𝐨𝐦𝐲 𝐫𝐢𝐠𝐡𝐭 𝐧𝐨𝐰? 😕

You’re not alone.

We’ve broken down what’s actually happening, what it means for homeowners, and a few practical ways you may be able to improve your financial position. 💸

Check out our latest blog below

If you'd like to discuss your plans for the next 12 months, or simply chat through your options, feel free to give me a call. 📲

There’s been a lot of noise lately about rising costs, interest rates and what might be coming next – and it’s leaving many people wondering what it all

05/05/2026

Cash rate update – May 2026

The Reserve Bank of Australia has increased the official cash rate by 0.25% to 4.35%.

The decision reflects ongoing inflation pressures, driven by higher fuel and commodity prices linked to the conflict in the Middle East, alongside capacity pressures in the economy. The RBA also noted early signs that rising costs are starting to flow through to prices more broadly.

The Board expects inflation to stay above its target for some time, with risks still leaning higher, leading to today’s decision.

If you’d like to chat about what this could mean for your mortgage, borrowing power or property plans, feel free to reach out – I’m here to talk it through.

18/11/2024

Did you know you can often 𝐮𝐬𝐞 𝐞𝐪𝐮𝐢𝐭𝐲 𝐚𝐬 𝐚 𝐝𝐞𝐩𝐨𝐬𝐢𝐭 for an investment or other property purchase? Get an estimate of how much you could access with our free equity calculator!👇

Our home equity calculator estimates how much equity you could use as a deposit towards your next house purchase or investment property.

13/11/2024

𝐃𝐢𝐝 𝐲𝐨𝐮 𝐤𝐧𝐨𝐰? The First Home Super Saver Scheme (FHSSS) lets you make extra contributions💵 to your super specifically to save for a first home deposit!🏡 With 𝐩𝐨𝐭𝐞𝐧𝐭𝐢𝐚𝐥 𝐭𝐚𝐱 𝐬𝐚𝐯𝐢𝐧𝐠𝐬 𝐚𝐧𝐝 𝐡𝐢𝐠𝐡𝐞𝐫 𝐫𝐞𝐭𝐮𝐫𝐧𝐬 than a regular savings account, it’s a smart way to boost your savings.🤓
Recent updates make the FHSSS even more appealing, with higher withdrawal limits, increased contribution caps, and added flexibility.
Thinking about using the FHSSS? Let’s chat! I can help you explore whether it’s the right fit for your unique situation.🔎

12/11/2024

𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐚𝐛𝐨𝐮𝐭 𝐬𝐚𝐯𝐢𝐧𝐠 𝐨𝐧 𝐲𝐨𝐮𝐫 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞? 𝐘𝐨𝐮 𝐡𝐚𝐯𝐞 𝐨𝐩𝐭𝐢𝐨𝐧𝐬! Both refinancing and repricing may help lower your interest rate and repayments, but here’s how they’re different:
🔄 𝐑𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠: This means switching to a new loan—either with your current lender or a new one. It could bring bigger savings, new features, or help consolidate debt. Just keep in mind there might be fees and a fresh approval process involved.
💰 𝐑𝐞𝐩𝐫𝐢𝐜𝐢𝐧𝐠: Love your current loan but want a better rate? Repricing means negotiating with your lender to try and get a lower rate on your existing loan.
Not sure which path is right for you? Let's chat! I can help you explore the options and even negotiate with lenders on your behalf!

12/11/2024

Whether you’re house hunting🏡 and need a home loan, looking for an investment property loan, refinancing, or even considering a car loan before Christmas🎄, it's time to take action! Many businesses–like banks, solicitors, and builders–slow down or close during December and January, so to avoid last-minute stress😥reach out to us now, and we’ll start the process.

11/11/2024

Today, we honour and remember all who have served and sacrificed in wars, conflicts, and peacekeeping operations. Lest we forget the bravery and dedication of those who came before us and the lasting impact of their service on our lives today.

08/11/2024

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, ...

07/11/2024

Have you found your dream home😍 but still need to sell your current house?😟 A bridging loan may be just what you need. A bridging loan🌉is a special 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭-𝐨𝐧𝐥𝐲 𝐬𝐡𝐨𝐫𝐭-𝐭𝐞𝐫𝐦 𝐥𝐨𝐚𝐧 designed precisely for this situation.
Want to know if bridging finance is right for you? Speak with us today📲