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Home Loan Experts Helping you get closer to your dream home everyday.
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We are incredibly proud and humbled to share that Mohit and Vivienne have been formally recognized as Commonwealth Bank ...
15/10/2026

We are incredibly proud and humbled to share that Mohit and Vivienne have been formally recognized as Commonwealth Bank Platinum Brokers.

02/10/2026

All four major banks are passing on the latest 0.25% RBA rate rise to variable home-loan customers from 9 October.

Does that mean there's no point comparing your home loan because “everyone's raising rates anyway”?

Not necessarily.

Say you're paying 6.50% and another loan you qualify for is 6.00%.

After both increase by 0.25%:

Current loan: 6.75%

Alternative: 6.25%

The difference is still 0.50%.

So rather than trying to predict the next RBA decision, look at the loan you actually have.

A useful starting point is to:
✓ Find out your new post-hike rate
✓ Ask your lender for a pricing review
✓ See what you genuinely qualify for elsewhere
✓ Compare fees and features
✓ Check your LVR and possible LMI
✓ Compare using the same remaining loan term

Sometimes refinancing makes sense.

Sometimes negotiating with your existing lender is enough.

Sometimes staying where you are is the better outcome.

The purpose of reviewing your loan is to find out which applies to you.

General information only.

Click the link in bio to explore your options with our experts

01/10/2026

Your broker says, “You've been pre-approved for up to $900,000.”
What happens next? Do you immediately set the property filters to $900,000?

Because there's an interesting distinction here.

A lender's maximum borrowing figure answers: “What can this borrower potentially service under our assessment?”

It doesn't automatically answer: “What's the maximum property price this household should work with?”

Those numbers can diverge once you account for things such as:
💠Stamp duty and buying costs
💠Your available deposit
💠LMI, where applicable
💠How much cash remains after settlement
💠Changes in repayments or rates
💠Your own comfort with the repayment

And when rates move, that difference becomes worth revisiting.
Someone can still have a valid pre-approval while deciding that searching right up to the maximum no longer makes sense for their position.

There's another possibility: the lender's current servicing calculation may no longer produce the exact same maximum.
Want to learn how the RBA’s cash rate decision affects your pre-approval?

Click the link in the comments

RBA Rate Hike: Fix Half Your Loan or Go Interest-Only?Scenario: A $750,000 total loan size following a 0.25% RBA hike, c...
29/09/2026

RBA Rate Hike: Fix Half Your Loan or Go Interest-Only?

Scenario: A $750,000 total loan size following a 0.25% RBA hike, comparing typical market pricing structures.

1. Standard Variable (P&I) Baseline
• Assumed Rate: 6.50%
• Monthly Repayment: $4,741 / month
• This serves as the benchmark household cost after the rate hike.

2. The 50/50 Fixed Split Option
• Structure: $375,000 fixed at 6.15% + $375,000 variable at 6.50%.
• Monthly Repayment: $4,655 / month ($2,285 fixed part + $2,370 variable part).
• Saves approximately $86/month compared to full variable while locking in safety on half the debt.

3. The Interest-Only (IO) Pivot
• Assumed Rate: 6.90% (Note: Lenders price investment/IO risk higher than standard P&I).
• Monthly Repayment: $4,313 / month.
• Saves $428/month in immediate out-of-pocket costs compared to standard Variable P&I, maximizing immediate cash flow.

The RBA has officially lifted the cash rate to 4.60%. Hoping your current bank gives you a better deal automatically is ...
29/09/2026

The RBA has officially lifted the cash rate to 4.60%. Hoping your current bank gives you a better deal automatically is not a plan.

Here is your immediate market reality check:

• Existing Mortgage Holders: A 0.25% hike adds roughly $80 a month to a $500,000 principal-and-interest mortgage. Do not wait for your lender's official rate-hike letter to land in your inbox. Check alternative market options now.

• New Home Buyers and Purchasers: Rising interest rates instantly shrink lender borrowing assessments. The pre-approval amount you held last month may no longer be valid. Re-verify your maximum bidding ceiling before attending auctions or making offers this weekend.

• Property Investors: Shifting interest rates directly squeeze rental yields and cash flow dynamics. Now is the time to review your loan structure, such as utilizing fixed splits or interest-only periods, to safeguard your portfolio cash flow.

Stop guessing what macroeconomic movements mean for your household balance sheet.

Click the link below to try our free 360° Home Loan Assessor. Get accurate results in 2 minutes with no login required and zero impact on your credit score.

Casual income. Growing family. Renting. And told you need 20% to buy.That was this WA couple's reality. One of them work...
25/09/2026

Casual income. Growing family. Renting. And told you need 20% to buy.

That was this WA couple's reality. One of them worked casual hours, and they'd heard casual income makes lenders nervous.

Here's what actually happened 👇

✅ We secured their pre-approval so they could house hunt with confidence
✅ They found their home and signed the contract
✅ We took it through to formal approval, with no hiccups
✅ No lenders mortgage insurance, thanks to the Government's 5% Deposit Scheme

First home buyers, the 20% rule isn't the only way in. With the 5% Deposit Scheme, eligible buyers can purchase with as little as a 5% deposit, even with casual income in the mix.

Wondering if you qualify? Tap the link in the comment or send us a message. We'll give you a straight answer. 🏡

Eligibility criteria, income tests and property price caps apply. Lender criteria apply.

We're trying to gauge how many Australian expats would actually be interested in a live webinar on borrowing back home w...
22/09/2026

We're trying to gauge how many Australian expats would actually be interested in a live webinar on borrowing back home while earning overseas- real numbers, not "it depends."

Before we commit to building this, we just want to know: would you be interested in attending something like this? And if we did run it, what's the one question you wish someone would just answer about buying back home as an expat?

Comment and let us know, or register your interest via the link in the comments.

18/09/2026

Worried about what another rate rise could mean for your mortgage?

With interest rates putting pressure on household budgets, some homeowners are looking at different ways to manage their repayments.

Home Loan Experts Senior Mortgage Broker Jonathan Preston says borrowers concerned about cash flow may want to understand the options available to them, including whether fixing some or all of their loan could provide more repayment certainty.

For some eligible borrowers, interest-only repayments may also provide temporary cash-flow relief, although they come with important costs and trade-offs.

Recent reporting has highlighted homeowners turning to interest-only repayments as cash-flow pressures increase.

Feeling the squeeze? Talk to a mortgage broker about what options may be available for your situation.

General information only. This is not financial advice. Consider your circumstances and seek appropriate professional advice before making financial decisions.

17/09/2026

A 20% deposit is a benchmark, not a home-buying strategy.

A common conversation we’ve had with homebuyers start like this: “Should we buy with 10%, or wait until we have 20%?”
The obvious answer is that 20% generally lowers the loan and may avoid LMI.

But that's only one side of the decision.

Home Loan Experts Senior Mortgage Broker Vivienne Than puts it this way:

“There’s never going to be a ‘perfect’ time to buy property, so it really comes down to when your cash flow comfortably allows it.”

The useful comparison is wider:

If you buy with 10%:

What does LMI cost, if applicable?
Does the higher LVR affect pricing or lender choice?
Could you qualify for a low-deposit structure or LMI waiver?
How much cash remains after settlement?
What are the repayments?

If you wait for 20%:

How long does the additional saving take?
What happens if the price of the type of property you're targeting changes?
What do you give up by keeping the purchase on hold?

There's another issue buyers often overlook: valuation risk.
Someone planning to contribute $100,000 towards a $1 million purchase might expect a $900,000 loan.

But if the lender values the property at $950,000 and lends up to 90% of that figure, the loan is $855,000.

The contribution becomes $145,000 before buying costs.
That's why deposit planning is really an LVR + valuation + cash-flow + lender-policy problem, not simply a savings-percentage problem.

Comment pin

Our Home Loan Deposit Calculator gives buyers the starting figures.

The valuable part comes next: understanding what those figures mean under different lending structures.

16/09/2026

If the RBA raised rates again, what would it actually cost you each month?

That may be a more useful question than trying to guess the announcement.

Ahead of the RBA’s 29 September decision, two Home Loan Experts mortgage brokers are leaning towards another increase.

Senior Mortgage Broker Jonathan Preston is watching several signals, including the ASX rate tracker and the yield curve, which he says are pointing towards higher rates. He’s also watching disruption to Saudi exports as another potential source of pressure.

Senior Mortgage Broker Sheng Ye agrees with Jonathan’s overall view and expects conditions to remain challenging before improving.

But forecasts can be wrong.

What borrowers can work out now is what another rate change could mean for their own repayments.

For example, if rates increased by 0.25%, how much more would you pay each month? What about 0.50%?

And would that change how comfortable your current loan feels?

We built a Rate Change Calculator to help you run those numbers: Link the calculator in the comments.

Use the rate change calculator to know how much your repayments will change ahead of the RBA cash rate decision on 29 September 2026.

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Suite 207, 3 Rider Boulevard
Rhodes, NSW
2138

Telephone

+61291941700

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