Pacific Home Loans & Finance

18/10/2026

We’ve been busy actively contacting existing clients with a Suncorp Home Loan to review and provide alternate options for those willing and/or able to refinance - if you or anyone that you know has a Suncorp Home Loan and would like a no obligation discussion and review, please don’t hesitate to get in touch - 07-3283-8311

Suncorp mortgage borrowers have received an alarming email informing them ANZ's takeover could see their minimum monthly mortgage repayments increase by hundreds of dollars.

29/09/2026

The Reserve Bank of Australia (RBA) has today increased the cash rate by 0.25 percentage points to 4.60%.

While headline inflation eased to 3.5% in July 2026, underlying inflation remains stubborn with trimmed mean inflation held at 3.6%, 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, and the RBA has signalled the jobs market is still adding to wage and business costs — despite unemployment edging up to 4.6%.

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

What could this mean for you?

If your home loan has a variable rate, an increase in the cash rate may flow through to your interest rate and repayments.

This makes it a good time to review your loan and see whether your current rate, lender and loan structure are still competitive.

Get in touch if you’d like to understand your options.

18/09/2026

We’ve moved! 🏡

Not far though… just next door!

Pacific Home Loans & Finance has moved from 127 Sutton Street to 131 Sutton Street, Redcliffe.

Same team, same local service — just a fresh new space that we’re pretty happy to call home.

A big thank you to everyone who helped bring the new office together. If you’re nearby, feel free to pop upstairs and say hello.

📍 131 Sutton Street, Redcliffe

Pacific Home Loans & Finance
Finance for today and tomorrow.

18/09/2026

18/09/2026

We’ve moved! 🏡

Not far though… just next door!

Pacific Home Loans & Finance has moved from 127 Sutton Street to 131 Sutton Street, Redcliffe (above Team Accounting & Lifetime Wealth Partners)

Same team, same local service — just a fresh new space that we’re pretty happy to call home.

A big thank you to everyone who helped bring the new office together. If you’re nearby, feel free to pop upstairs and say hello.

📍 131 Sutton Street, Redcliffe

Pacific Home Loans & Finance
Finance for today and tomorrow.

11/08/2026

Getting 🏠 Loan Ready - Quick Tips:

✅ Deposit - consolidate and direct your savings in to the one dedicated bank account. Try and keep this account running with deposits only, no withdrawals, for a bare minimum of 3 months.

✅ Equifax - check your credit file and know your credit score - Google “Equifax Free Credit File Check”

✅ Liabilities - close any idle or unused bank accounts, credit cards, credit facilities, buy now pay later facilities etc.

✅ Budget - know what you spend and where, keep it simple, create a list of recurring non avoidable fixed expenses versus discretionary controllable expenses.

✅ Identification - make sure it’s valid and that full legal names are visible and matching across Drivers Licences, Medicare Cards, Passports.

✅ Account Conduct - keep all bank accounts in a positive balance at all times and make sure there are no late or overdue payments on any credit cards, car loans etc.

✅ MyGov - Income Statements, Notices of Assessment, HELP debt balances are all found here, make sure you’ve got access to MyGov.

✅ Initial Broker Phone Call - a quick no obligation, no pressure initial phone call at a mutually suitable time to set a plan in place to have you 'purchase ready' when the time comes to buy:

Whether it's your first home, next home, investment property, or commercial property, this quick initial phone call is the very first step in our new enquiry process. A scheduled time for us to say a quick hello and to gain an understanding of exaclty what it is that you are wanting to achieve.

11/08/2026

The Reserve Bank of Australia (RBA) has today decided to keep the cash rate unchanged at 4.35%, giving borrowers some welcome stability while it assesses how recent rate increases are flowing through the economy.

Inflation has shown some encouraging signs of easing, with annual headline inflation falling to 3.8% in June 2026, down from 4.0% in May 2026. However, underlying inflation remains higher than the RBA would like, with trimmed mean inflation holding at 3.6%.

With the temporary fuel excise reduction ending in early August 2026, petrol prices are expected to lift as the full excise is reinstated. This could add some upward pressure to headline inflation in the coming months and will be another factor for the RBA to monitor.

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 are here to help.

16/06/2026

At its meeting today, the Reserve Bank of Australia (RBA) has held the cash rate at 4.35%.

Today's decision reflects the RBA's cautious approach as it continues to assess inflation, economic growth and the impact of previous interest rate changes.

While inflation remains above the RBA's target range, higher interest rates continue to weigh on household spending and broader economic activity. There also remains uncertainty around property prices following last month's proposed taxation changes.

In a changing economic environment, staying informed about interest rate movements and how they may affect your financial position is important.

Whether you're planning ahead or simply want to explore your options, we are here to help.

05/05/2026

At its meeting today, the Reserve Bank of Australia (RBA) has increased the cash rate by 0.25%, with the official cash rate now sitting at 4.35%.

Today’s decision reinforces the RBA’s ongoing priority to bring inflation back within its 2–3% target range.

The decision was supported by data released last week which showed inflation has continued to increase, largely due to global conflict-driven supply issues and higher fuel costs.

The data highlighted:

Headline inflation has risen to 4.6% for the 12 months to March 2026, up from 3.7% in February 2026.

Underlying (trimmed mean) inflation sits at 3.3%.

Fuel price inflation can take time to unwind, meaning price pressures may remain elevated even if broader economic conditions begin to stabilise.

As the RBA navigates this more complex environment, staying informed about interest rate movements and what they mean for your financial position is increasingly important.

Whether you’re considering purchasing a home, refinancing to review your loan structure, or exploring investment opportunities, now is a timely opportunity to review your current lending arrangements and future plans.

14/04/2026

Clontarf represent!

Is Brisbane still the best place to invest in Australia, or have you missed the boat? With the 2032 Olympics on the horizon and a massive supply shortage, 20...