Paul Hutchins Loans Centre

03/08/2026

If you haven't reviewed your home loan recently, now could be a good time.

Competition between lenders is heating up, with Canstar reporting that more than 20 lenders have reduced at least one variable-rate home loan for new borrowers since 1 May.

Why it's worth checking

Even a small reduction in your interest rate could noticeably lower your monthly repayments.

In many cases, the savings from switching lenders can outweigh one-off refinancing costs such as application fees, discharge fees or government charges, particularly if you plan to stay in the loan for several years.

It's also worth looking beyond the headline rate. Features such as offset accounts, redraw facilities and ongoing fees can all affect the overall value of a home loan.

Don't assume loyalty pays

Many borrowers stay with the same lender for years without checking whether they're still getting a competitive deal.

With lenders competing harder for new customers, now may be a good time to check whether your loan is still competitive.

Wondering whether refinancing could reduce your repayments? Get in touch to compare your current loan with what's available today.

Phone 8586 3160 to book a no-obligation appointment.

01/07/2026

Another happy customer! RAA sells a large range of Shoprider scooters and accessories.

23/06/2026

Mortgage brokers are now arranging more home loans than ever before – and current market conditions help explain why.

According to data commissioned by the Mortgage & Finance Association of Australia, brokers originated a record 81.0% of home loans in the March quarter.

That's up from 76.8% a year earlier and 55.3% in 2018.

Why broker market share keeps growing

Borrowers are dealing with a more complex environment than they were a few years ago.
In recent months we've seen:
Multiple interest rate rises.
Changing government housing initiatives.
Proposed changes to property investment rules.
Greater variation between lender policies.
As a result, many borrowers are seeking more support when comparing their options.

Finding the right loan can be tricky

Choosing a loan is no longer just about comparing interest rates.

Different lenders can have different policies, borrowing limits, features and eligibility requirements.

That's one reason more Australians are choosing to work with brokers when making important financial decisions.

With lending policies, government schemes and market conditions constantly evolving, having access to a broad range of lenders can be more valuable than ever.

Contact us to arrange a no-obligation appointment to discuss your options.

16/06/2026

The Reserve Bank of Australia (RBA) has left the cash rate unchanged at 4.35% following its June monetary policy meeting.

The latest inflation data presents a mixed picture. Annual trimmed mean inflation – the RBA's preferred measure – rose to 3.4% in the 12 months to April 2026, up from 3.3% in March, according to the Australian Bureau of Statistics. Headline inflation, however, eased to 4.2% over the same period, down from 4.6% in March, as fuel price pressures began to moderate following a temporary reduction in the fuel excise duty.

At its May meeting, where the Reserve Bank raised the cash rate for the third time in a row, the Board said interest rates were now likely high enough to slow the economy. This would give policymakers time to monitor developments in the Middle East and assess how Australian households and businesses respond to higher borrowing costs. RBA assistant governor Sarah Hunter recently reinforced this view, saying the Board is closely watching inflation expectations to make sure temporary price pressures do not become a longer-term problem.

With so much uncertainty about the cash rate, it can help to talk to an expert. Contact us if you'd like to discuss your situation and options.

05/05/2026

For the third consecutive meeting, the Reserve Bank of Australia (RBA) increased the cash rate by 25 basis points to 4.35% at its May meeting.

Inflation remains stubbornly above target. Annual trimmed mean inflation – the RBA's preferred measure – held at 3.3% in the 12 months to March 2026, according to the Australian Bureau of Statistics, still well clear of the 2–3% target band despite two rate rises. However, headline inflation painted a more concerning picture, surging to 4.6% over the same period, driven largely by soaring transport costs as the Middle East conflict pushes up global oil prices.

The minutes from the Board’s March meeting showed it was already leaning toward further tightening. The minutes noted that members agreed it was important to demonstrate “a clear commitment to returning inflation to target”, warning that if medium- and long-term inflation expectations increased, “it would ultimately require significantly more contractionary monetary policy to achieve the Board's objectives.” The ongoing conflict in the Middle East has since added to that concern, with higher global energy prices putting further upward pressure on domestic inflation.

With inflation still running above the 2–3% target band, the Board judged that further tightening was needed to return inflation to target in a reasonable timeframe.

If you're feeling the pressure of back-to-back-to-back rate rises, it may be time to look at what options are available to you. We are here to help you work through what this latest increase means for your repayments and your plans.

17/03/2026

The Reserve Bank of Australia (RBA) increased the cash rate by 25 basis points to 4.10% at its March meeting.

The move follows persistent inflationary pressures. Annual trimmed mean inflation – the RBA's preferred measure – rose to 3.4% in the 12 months to January 2026, up from 3.3% in December 2025, according to the Australian Bureau of Statistics, signaling that underlying price pressures have yet to be fully contained.

In a recent speech at the Australian Financial Review Business Summit, RBA governor Michele Bullock pointed to demand outstripping the economy's supply capacity as a key driver of the inflation pickup. She noted that private demand has been stronger than expected, the labour market remains tight and near-term inflation expectations have edged higher over the past six months.

With inflation still running above the 2–3% target band, the Board judged that further tightening was needed to return inflation to target in a reasonable timeframe.

With rates on the move again, it's worth taking stock of where your loan stands and whether your current arrangements still work for you. Get in touch if you'd like to talk through your options.

04/03/2026

RAA's Grassroots Giving Grant program has opened for applications. Further information can be found via the link, phone 8202 4600 or email [email protected]

Grassroots Giving provides grants to community groups looking to improve safety, spark innovation and help vulnerable South Australians.

02/03/2026

What a great day at the Riverland Golf Association Development Day and second in the 9 hole Ambrose!

02/03/2026

23/02/2026

Looking to build your dream home?
Eligible first home buyers may pay no stamp duty on land purchases when building within two years, and could also access the fifteen thousand dollar First Home Owner Grant!
You may also qualify under the Home Guarantee Scheme, with no Lenders Mortgage Insurance and a lower deposit.
We offer a free, no obligation appointment to discuss your lending needs. Contact us today on 8586 3160 or via our website

Specialising in: Home and Investment Loans Construction LoansDebt Consolidation Car Loans   Couldn’t be happier with PHLC and the service we received from them. Very simple process, excellent communication, would recommend to anyone needing financial assistance - Darren 〰️ Couldn’t be happi...