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Mir Sauhrid - Loan Gallery Finance, Melbourne (2026)

02/09/2026

𝗖𝗼𝘂𝗹𝗱 𝗮𝗻𝗼𝘁𝗵𝗲𝗿 𝗿𝗮𝘁𝗲 𝗵𝗶𝗸𝗲 𝗯𝗲 𝗰𝗼𝗺𝗶𝗻𝗴 𝘀𝗼𝗼𝗻𝗲𝗿 𝘁𝗵𝗮𝗻 𝗲𝘅𝗽𝗲𝗰𝘁𝗲𝗱?

Australia’s major banks are starting to show where they think interest rates could be heading next, and NAB is expecting the first move.

🔴 NAB: 25bp hike in September 2026 to 4.60%, with the risk of another hike in November.

🔵 ANZ: 25bp hike in November 2026 to 4.60%.

🟡 CommBank: Also expects a 25bp hike in November 2026 to 4.60%.

🟣 Westpac: Taking a different view further out, forecasting two 25bp cuts in August and December 2027, potentially bringing the cash rate down to 3.85%.

Of course, these are forecasts, not guarantees. But they’re a useful reminder that the interest rate environment can change quickly.

If you have a home loan, are looking to refinance, or are planning to buy, understanding how different rate scenarios affect your repayments and borrowing capacity is more important than trying to predict the exact next move.

Stay informed. Plan ahead.

Personalised finance solutions, always.

29/08/2026

Small financial habits can make a big difference over time.

✔ Make extra repayments whenever possible
✔ Use an offset account effectively
✔ Review your home loan regularly

These simple steps could help reduce the amount of interest you pay over the life of your loan.

Let's create a strategy that supports your financial goals.

Finance approval subject to lender criteria. T&Cs apply.

28/08/2026

🏡 𝐀𝐫𝐞 𝐲𝐨𝐮 𝐞𝐯𝐞𝐫 “𝐭𝐨𝐨 𝐨𝐥𝐝” 𝐟𝐨𝐫 𝐚 𝟑𝟎-𝐲𝐞𝐚𝐫 𝐡𝐨𝐦𝐞 𝐥𝐨𝐚𝐧?

A common misconception I come across as a mortgage broker is that buying later in life automatically means a shorter loan term.

That’s not always the case.

For mature-age borrowers, it’s about understanding the customer’s needs, keeping Best Interests Duty front of mind, and developing a realistic exit strategy.

If someone intends to keep working, we can calculate the expected loan balance at retirement and assess whether strategies such as downsizing could comfortably clear the remaining debt while leaving sufficient equity for future housing needs.

A longer loan term can make a significant difference to repayments and borrowing capacity, but it must be appropriate for the customer’s circumstances and future plans.

Every lender approaches this differently. Age alone doesn’t necessarily close the door. The right structure and a well-considered strategy can make all the difference.

22/08/2026

Interest rate movements don't always mean you need to make immediate changes—but they are a great reason to review your home loan.

Taking the time to understand your options can help you stay ahead and ensure your loan still suits your financial situation.

Let's explore the best option for your circumstances.

Finance approval subject to lender criteria. T&Cs apply.

20/08/2026

🏡 A little-known servicing option for First Home Buyers

Planning to have a friend, family member or housemate live with you after you buy?

With CBA, eligible buyers under the Home Guarantee Scheme may be able to use income received from a boarder as part of their home loan servicing.

It’s a small policy detail that could potentially make a big difference to borrowing capacity for the right buyer.

There are conditions around how it can be used, so it’s worth checking your individual scenario before ruling out your options.

📩 Message me if you’d like me to run the numbers for you.

FirstHome

20/08/2026

🏡 A little-known servicing option for First Home Buyers

Planning to have a friend, family member or housemate live with you after you buy?

With CBA, eligible buyers under the Home Guarantee Scheme may be able to use income received from a boarder as part of their home loan servicing.

It’s a small policy detail that could potentially make a big difference to borrowing capacity for the right buyer.

There are conditions around how it can be used, so it’s worth checking your individual scenario before ruling out your options.

📩 Message me if you’d like me to run the numbers for you.

17/08/2026

Melbourne’s Greenfield House & Land Market: Opportunity for Buyers? 🏡

There’s plenty of noise around Melbourne property right now, but the greenfield house & land market is showing some interesting conditions, particularly for first home buyers.

Recent data points to slower land sales across Melbourne’s major greenfield corridors, including the West, North and South-East. While land prices have remained relatively resilient, softer sales activity means developers are competing harder for buyers.

And we’re seeing this on the ground.

More land agents and developers are offering land rebates, discounted lot prices and other incentives, while builders are competing through package pricing, upgrades and inclusions.

For buyers, that can mean:

More choice. Less pressure. More negotiating power.

The Australian Government 5% Deposit Scheme can also help eligible first home buyers enter the market with a minimum 5% deposit without LMI, subject to eligibility and lending criteria.

But a rebate doesn’t automatically make a property a good deal.

The land + construction + upgrades + associated costs still need to stack up against the likely completed value. Borrowing capacity, valuation risk and future affordability should all be considered before committing.

My view on Melbourne’s current greenfield market is simple:

Don’t rush because of FOMO, but don’t automatically wait for a major price drop either.

For financially ready buyers, softer conditions can provide something valuable: choice, negotiating power and time to make the right decision.

Sometimes the opportunity isn’t about perfectly timing the bottom of the market.

It’s being finance-ready when you have more negotiating power than the seller.

Sources / Further Reading:

RPM Research: Victorian Greenfield Market Reports
https://www.rpmgrp.com.au/research-and-data/

Oliver Hume: Property Research
https://www.oliverhume.com.au/research/

PropTrack: Property Market Insights
https://www.realestate.com.au/insights/

Australian Government 5% Deposit Scheme
https://firsthomebuyers.gov.au/australian-government-5-percent-deposit-scheme

Mir Sauhrid | Senior Finance Broker
Loan Gallery Finance
📞 0469 838 992 | ✉️ [email protected]

15/08/2026

There are plenty of home loan myths that can stop people from making confident financial decisions.
❌ "I need a 20% deposit."
❌ "My current bank will automatically offer me the best deal."
❌ "Refinancing is too difficult."
The reality? Every borrower is different, and understanding your options can make a significant difference.
Let's separate fact from fiction.
Finance approval subject to lender criteria. T&Cs apply.

14/08/2026

🏡 FIRST HOME BUYERS — YOUR 5% DEPOSIT COULD GET YOU INTO YOUR OWN HOME!

You may be able to purchase your first home with as little as a 5% deposit through the Australian Government’s First Home Guarantee, with no Lenders Mortgage Insurance (LMI).

✅ From 5% deposit
✅ No LMI for eligible buyers
✅ Buy an established home or build new
✅ Keep more of your savings in your pocket
✅ Get your borrowing capacity & eligibility checked before you start looking

With property prices moving, having your finance position sorted early can help you shop with confidence and be ready when the right property comes along.

📩 Thinking about buying your first home?
Message me for a quick eligibility and borrowing capacity check.

Mir Sauhrid
Senior Finance Broker
📞 0469 838 992
📧 [email protected]

Eligibility criteria, property price caps and lender requirements apply. Credit approval is subject to lender assessment.

11/08/2026

🏡 𝐇𝐢𝐠𝐡𝐞𝐫 𝐫𝐚𝐭𝐞𝐬, 𝐥𝐨𝐰𝐞𝐫 𝐛𝐨𝐫𝐫𝐨𝐰𝐢𝐧𝐠 𝐜𝐚𝐩𝐚𝐜𝐢𝐭𝐲… 𝐛𝐮𝐭 𝐢𝐬 𝐢𝐭 𝐚𝐥𝐥 𝐛𝐚𝐝 𝐧𝐞𝐰𝐬 𝐟𝐨𝐫 𝐅𝐢𝐫𝐬𝐭 𝐇𝐨𝐦𝐞 𝐁𝐮𝐲𝐞𝐫𝐬?

Today’s property headlines are understandably focused on borrowing capacity.

Recent analysis suggests a couple earning two average Australian wages could see their borrowing power reduced by around $92,500 after four rate rises. At the same time, however, property prices have been softening in parts of the market.

And that’s where I think First Home Buyers need to look beyond the headline.

A changing market can create opportunities.

When borrowing capacity falls across the board, buyer competition can reduce. Vendors may become more realistic. Properties that were previously out of reach may come back into consideration. And importantly, eligible First Home Buyers may still have access to government-backed pathways that can significantly reduce the deposit hurdle.

The key is not necessarily to wait for the “perfect” interest rate.

It’s to understand what you can comfortably afford today, get your finance position organised, know which schemes and lender policies you may qualify for, and then be ready to negotiate when the right property appears.

Interest rates will change many times over a 30-year home loan.

The purchase price you negotiate today won’t.

For First Home Buyers, this could actually be a period where preparation, patience and the right finance strategy create opportunities that weren’t there in a much hotter market.

If buying your first home is on your radar, don’t let the headlines make the decision for you. Run the numbers first. You might be closer than you think.

Mir Sauhrid - Loan Gallery Finance

02/09/2026

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Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	12:30pm - 5pm
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