Pacific Home Loans & Finance

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...

17/03/2026

As widely anticipated, the Reserve Bank of Australia (RBA) has increased the cash rate by 0.25% at today's meeting, taking the official cash rate to 4.10%.

The decision reflects the RBA's ongoing focus on returning inflation to its 2-3% target range, with the latest data showing inflation pressures remain elevated.

Recent economic indicators highlight:
Headline inflation sits at 3.8% for the 12 months to January 2026, remaining above the RBA's target range.

Underlying (trimmed mean) inflation remains elevated at 3.4% for the 12 months to January 2026, signalling that broader price pressures across the economy are persisting.

The decision comes amid heightened uncertainty in the global economic environment, with ongoing geopolitical tensions contributing to volatility in energy and petrol prices. These developments typically flow through to higher transport and production costs across the economy, which can add to inflationary pressures at a time when inflation remains above the RBA's target range.

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

Whether you're considering purchasing a home, refinancing to review your loan structure, or exploring investment opportunities, it may be a good time to review your current lending arrangements and future plans.

20/02/2026

Check out our fresh new home page 🔥-

If you’re looking for a home loan, Pacific Home Loans & Finance is here to help. Whether it’s your first home, or it’s time to renovate, refinance or invest, we’re here to help make it happen. We compare a range of lenders and guide you through the process so you can feel confident at every ...

03/02/2026

As widely predicted, the Reserve Bank of Australia (RBA) has increased the cash rate by 0.25% at today's meeting. The current cash rate now sits at 3.85%.

This month’s decision reflects the RBA’s commitment to restoring price stability, with the latest data indicating:

Headline (annual) inflation has risen to 3.8% in the 12 months to December 2025 and remains above the RBA's 2%-3% target range.

Underlying (trimmed mean) inflation sits at 3.3%, the RBA's preferred underlying measure, helping highlight that broad-based inflation pressures remain.

The cash rate increase aims to ease ongoing price pressures and anchor inflation expectations, while allowing the RBA to carefully monitor how tighter financial conditions affect household spending.

Today's decision highlights the value of staying up to date with economic shifts and what they may mean for your finances.

Whether you're weighing up a home purchase, refinancing to improve your loan terms, or exploring an investment property, this could be the right moment to reassess your plans.

09/12/2025

The Reserve Bank of Australia (RBA) has announced a hold on the cash rate of 3.60% at today's meeting.

The RBA's decision this month reflects its ongoing cautious approach as it works to balance inflation control with supporting employment.

The latest data shows:
Headline (annual) inflation has risen to 3.8% in the year to October 2025, up from 3.6% in September 2025, and remains above the RBA's 2%-3% target range.

Underlying (trimmed mean) inflation sits at 3.3%, the RBA's preferred underlying measure, helping highlight that broad-based inflation pressures remain.

By keeping the cash rate on hold, the RBA has left room to observe how economic conditions evolve before determining whether further monetary policy adjustments are needed.

Today's decision underscores the importance of staying informed about economic developments and considering what they may mean for your financial position.

Whether you're weighing up a home purchase, refinancing to improve your loan terms, or exploring an investment property, this could be the right moment to reassess your plans.

26/11/2025

Pacific Home Loans & Finance has raised the bat, reaching triple digits on the ole Google Reviews with lucky # 💯 going to Hayley Darben & Family!

Thank you, not only to everyone that has taken the time and made the effort to pen/leave us an endorsement, but to all of the people and families that have provided us with the the opportunity to assist since our doors were opened in 2001 - 🥳 🙏