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MoneyQuest - Randwick Creating solutions for all your finance needs!
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Your savings could do more than sit in your account. With a linked 100% offset account, your balance reduces the amount ...
12/10/2026

Your savings could do more than sit in your account. With a linked 100% offset account, your balance reduces the amount of your home loan charged interest.

On an $850,000 home loan at 6% p.a., keeping $30,000 in the offset could mean approximately $1,800 less interest a year before fees.*

Your money stays accessible but taking it out reduces the benefit. Any extra fees or higher loan rate also need to be weighed up.

We’re mortgage brokers, and we can help you work out if an offset adds up for you. Let’s chat!

*Simplified illustration assuming unchanged balances and a constant rate for one year. Excludes repayments, compounding and fees. Interest savings don’t necessarily reduce your required repayments.

General information only. It does not take into account your objectives, financial situation or needs. Eligibility and lending criteria apply. Fees and charges may apply.

Fully electric vehicles have more than doubled their share of Australia’s new car market in just a year, jumping from 11...
09/10/2026

Fully electric vehicles have more than doubled their share of Australia’s new car market in just a year, jumping from 11.3% in September 2025 to 24.2% in September 2026. Nearly one in four new vehicles sold is now fully electric!

Source: Federal Chamber of Automotive Industries (FCAI), “Sales edge higher amid shifting buyer preferences”, 6 October 2026.

More models, competitive pricing and potential running-cost savings are adding to the appeal.

According to the Australian Government, EVs can offer up to 70% savings on equivalent fuel costs when reliably charging at home, and around 40% on servicing compared to petrol or diesel vehicles.*

Read more: https://www.moneyquest.com.au/news/electric-vehicles-like-byd-are-outpacing-fuelled-cars/

Thinking about making the switch? There’s more to consider than the showroom price.

We’re mortgage brokers, and we can help you compare finance options for your next EV. Let’s chat before you hit the showroom!

*Actual savings vary depending on the vehicle, charging costs and usage.

General information only. It does not take into account your objectives, financial situation or needs. Eligibility and lending criteria apply. Fees and charges may apply.

04/10/2026

Australia’s national Home Value Index fell 1.1% in September, marking the sixth straight month of declines. Every capital city except Darwin recorded a fall.

So what could this mean for you?
• Buyers: Softer prices and less competition may mean more choice and negotiating power, although borrowing capacity remains under pressure.
• Homeowners: Falling values may impact your equity and refinancing options.
• Investors: Lower prices may create opportunities, but higher rates, holding costs and cash flow still need careful consideration.

Read the full October Home Value Index update here: https://www.moneyquest.com.au/news/october-home-values-2026/

If you’re thinking about buying, refinancing or reviewing your property plans, your local MoneyQuest broker can help you understand your options.

Source: Cotality Home Value Index, October 2026. General information only.

General information only. It does not take into account your objectives, financial situation or needs.

Flat white. Long black. Extra shot.Your coffee is personal. Your finance should be too.A first home, work ute or café eq...
01/10/2026

Flat white. Long black. Extra shot.

Your coffee is personal. Your finance should be too.

A first home, work ute or café equipment? Let’s grab a coffee and explore your finance options.

If insurance comes up, we can introduce you to a specialist too.

Insurance referrals only. We don’t provide insurance advice or recommend insurance products.

The RBA has raised the cash rate to 4.60%, marking the fourth increase this year.So, what’s behind it?Inflation is still...
29/09/2026

The RBA has raised the cash rate to 4.60%, marking the fourth increase this year.

So, what’s behind it?
Inflation is still proving stubborn, with everyday costs like food, housing, education and health continuing to put pressure on household budgets.

Buying a home?
Higher rates can mean lower borrowing power, higher repayments and tighter servicing checks. But there can be another side to it. Higher rates may cool buyer demand, which could mean less competition in some parts of the market.

Already have a home loan?
If you’re on a variable rate, your repayments may rise again. It could be a good time to check whether your loan is still competitive. On a fixed rate? You won’t feel the impact straight away, but it’s a good idea to know when your fixed period ends and what happens next.

And from here?
No one knows exactly what the RBA will do next, so it’s smart to be prepared for either outcome. Speak with your local MoneyQuest mortgage broker to review your options.

Read more here: https://www.moneyquest.com.au/news/september-rate-report-cash-rate-increases-to-4-60/

General information only. It does not take into account your objectives, financial situation or needs.

The RBA makes its next cash-rate decision tomorrow.We won’t pretend to know the result before the Board announces it. Bu...
28/09/2026

The RBA makes its next cash-rate decision tomorrow.

We won’t pretend to know the result before the Board announces it. But mortgage holders can prepare for more than one outcome.

• If the cash rate is held, that doesn’t automatically mean your current loan is competitive.
• If it rises, the effect on your repayments will depend on your balance, loan rate, remaining term and lender response.

Instead of betting on the announcement, understand what each outcome could mean for your household.

Hike or hold, we can help you decide your next move!

General information only. It does not take into account your objectives, financial situation or needs. Eligibility and lending criteria apply. Fees and charges may apply. Repayment scenarios are illustrative only. A cash-rate movement does not guarantee an identical or immediate change in your lending rate.

Grand Final day is here! Remember, a good game plan makes all the difference.Enjoy the final!
26/09/2026

Grand Final day is here!

Remember, a good game plan makes all the difference.

Enjoy the final!

More than one million Australians now work multiple jobs, a record 6.9% of employed people.When applying for a home loan...
25/09/2026

More than one million Australians now work multiple jobs, a record 6.9% of employed people.

When applying for a home loan, having two incomes doesn’t automatically mean both will be counted in full.

Lenders may consider:
• How long you’ve been in each job.
• How consistent your hours and income are.
• If you’re employed on a permanent, casual or contract basis.
• If working both jobs is sustainable over time.

The same income can be assessed differently by different lenders. That’s why understanding lender policy matters just as much as comparing interest rates.

Working more than one job? Talk to your local MoneyQuest broker about how lenders may assess your income, so you can set a clearer property budget.

General information only. It does not take into account your objectives, financial situation or needs. Eligibility and lending criteria apply. Fees and charges may apply.

One of the most important parts of applying for a home loan is the mortgage serviceability assessment.Lenders don’t just...
20/09/2026

One of the most important parts of applying for a home loan is the mortgage serviceability assessment.

Lenders don’t just look at the interest rate you’ll actually pay. APRA’s mortgage serviceability buffer remains at 3 percentage points, which means a loan with an interest rate of 6.2% may be assessed as if the rate were around 9.2%.

This doesn’t mean you’ll pay 9.2%. It’s a safety check lenders use to see if you could still afford your repayments if interest rates increased or your circumstances changed.

Each lender may also assess your income, existing debts and living expenses differently. That’s why your borrowing capacity can vary from one lender to another.

We’re mortgage brokers and we can help you understand your borrowing power and explore your home loan options. Message us today to learn more.

School holidays have a way of revealing just how much the family has outgrown the car.If an upgrade is on the horizon, e...
19/09/2026

School holidays have a way of revealing just how much the family has outgrown the car.

If an upgrade is on the horizon, explore your finance options before falling in love with the vehicle.

Look beyond the advertised repayment. The interest rate, fees, loan term, any balloon payment and total amount repayable all matter.

We’re mortgage brokers and we can help with car finance too. Because the family road trip should test your patience, not your budget. 😉

Planning a vehicle upgrade? Chat with us about your finance options before you hit the showroom!

General information only. It does not take into account your objectives, financial situation or needs. Eligibility and lending criteria apply. Fees and charges may apply.

Address

206 Avoca Street Randwick NSW
Randwick, NSW
2031

Telephone

+61293819194

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