Hfinance - Sydney Mortgage Broker

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Hfinance - Sydney Mortgage Broker hfinance is a local mortgage brokering service. Based in the Inner West, Sydney.

We service local home owners and Australian expats in achieving their property & financial goals.

Rates up again.The RBA has raised the cash rate by 0.25% to 4.85%, the fifth rise this year and the highest since Novemb...
03/11/2026

Rates up again.

The RBA has raised the cash rate by 0.25% to 4.85%, the fifth rise this year and the highest since November 2008. The board was split, with six members voting to raise and three to hold.

If your lender passes it on in full, that’s about $80 a month more on a $500K loan. Check your repayment, your buffer and your rate, and message us if you’d like us to run your numbers.

Source: RBA, 3 November 2026. Repayment is illustrative: 30-year principal and interest. General information only.

Decision day.The RBA announces its rate decision at 2:30pm today. The cash rate is 4.60%, and a rise to 4.85% is widely ...
02/11/2026

Decision day.

The RBA announces its rate decision at 2:30pm today. The cash rate is 4.60%, and a rise to 4.85% is widely expected, which would be the fifth this year.

Another 0.25% adds about $80 a month on a $500K loan. Three checks you can do today: your repayment at 4.85%, your buffer, and your rate.

Not sure where you stand? Message us and we’ll run your numbers.

Sources: RBA; Reuters poll as reported by investingLive; major bank forecasts. Expectations can change until the decision. General information only.

Seven falls in a row.Cotality’s October index is out, and national home values fell another 1.2%, the seventh monthly fa...
01/11/2026

Seven falls in a row.

Cotality’s October index is out, and national home values fell another 1.2%, the seventh monthly fall in a row. Cotality says the downturn is moving faster than any in the past 40 years.

Brisbane fell 2.0%, Perth 1.7% and Sydney 1.6%, and home sales over the past three months are down 23% on a year ago.

The RBA decides on rates tomorrow, and economists tip a rise to 4.85%. If you’re buying, selling or refinancing, it’s worth knowing where your budget stands before it does.

Message us and we’ll run your numbers.

Source: Cotality Home Value Index, October 2026. Market expectations can change. General information only.

5 scary home loan surprises. 🎃Happy Halloween from the hfinance team! Here are five surprises we’d rather you meet on a ...
30/10/2026

5 scary home loan surprises. 🎃

Happy Halloween from the hfinance team! Here are five surprises we’d rather you meet on a graphic than at settlement:

1️⃣ The rate nobody reviewed. It’s worth checking if new customers get a better deal.
2️⃣ The valuation that came in low. You cover any gap between price and valuation in cash.
3️⃣ The pre-approval that expired. Most last around 90 days, and it isn’t formal approval.
4️⃣ The auction with no finance clause. A win is unconditional, so get formal approval first.
5️⃣ The fee behind the headline rate. Compare fees and features, not just the rate.

Not sure about your loan? Message us and we’ll check it.

General information only. Rules vary by state and lender.

29/10/2026

The September CPI is out, and inflation is still running above the RBA's 2 to 3% target. Headline CPI rose to 4.3%, up from 4.0% in August. The RBA's preferred underlying measure, trimmed mean, held at 3.6% for the year, and rose 1.0% over the quarter.

Meanwhile, the cash rate has gone from 3.60% to 4.60% this year, with four rises of 0.25% in February, March, May and September.

The RBA meets again on Tuesday 3 November. If it raises the rate, another 0.25% would add about $79 a month on a $500,000 loan.

Not sure what that means for your loan? Message us and we'll run the numbers.

Sources: ABS (28 October 2026) and RBA. Repayment figure from Westpac and ANZ calculators. General information only.

Same home. Three deposits.How much does the size of your deposit change your loan? On an $800,000 purchase over 30 years...
28/10/2026

Same home. Three deposits.

How much does the size of your deposit change your loan? On an $800,000 purchase over 30 years at 6.24%:

5% down ($40,000): a $760,000 loan, about $4,675 a month. 10% down ($80,000): $720,000, about $4,428 a month. 20% down ($160,000): $640,000, about $3,936 a month.

The smaller the deposit, the bigger the loan and the more lenders mortgage insurance may come into it, unless a scheme like the First Home Guarantee applies. A bigger deposit isn’t always better if it drains your savings buffer.

How much deposit do you need? Message us and we’ll compare your options across 50+ lenders.

Illustrative only: $800,000 purchase, 30-year principal and interest at 6.24%. Repayments exclude LMI and costs. General information, not advice.

Preliminary. Then final.The auction clearance rate you see on Sunday night isn’t the final number. Sunday’s figure count...
26/10/2026

Preliminary. Then final.

The auction clearance rate you see on Sunday night isn’t the final number. Sunday’s figure counts the results reported by then. The final rate, published later in the week, adds the rest.

In both of the last two weeks we checked, the final came in lower. For the week ending 4 October, Cotality’s combined capital city rate went from 48.2% on Sunday to 45.4% final. For the week ending 11 October, it went from 48.8% to 44.1%.

If you’re buying at auction, your finance needs to be ready before you bid, because there’s no cooling-off period. Message us and we’ll check yours first.

Source: Cotality combined capital city clearance rates, weeks ending 4 and 11 October 2026. General information only.

Wednesday 28 October: September-quarter CPI. Tuesday 3 November: the RBA’s rate decision on Melbourne Cup Day.Economists...
26/10/2026

Wednesday 28 October: September-quarter CPI. Tuesday 3 November: the RBA’s rate decision on Melbourne Cup Day.

Economists expect trimmed mean inflation of about 1.0%, above the RBA’s 0.8% forecast, and markets see a better-than-even chance of a rise to 4.85%. ANZ, Westpac and Goldman Sachs tip a hike, while CBA expects a hold. Nothing is certain until the data lands.

If it does come, another 0.25% would add about $79 a month on a $500,000 loan.

Not sure what a rise means for your loan? Message us and we’ll run the numbers.

Forecasts and market pricing as reported on 26 October 2026 and can change. General information only.

Not every home loan looks the same. Here’s what a typical new loan looks like for a first home buyer, an owner-occupier ...
23/10/2026

Not every home loan looks the same. Here’s what a typical new loan looks like for a first home buyer, an owner-occupier and an investor, and what lenders tend to focus on for each.

First home buyer: $610,063, about $3,752 a month. Lenders look at deposit size, whether lenders mortgage insurance applies, and schemes like the First Home Guarantee.

Owner-occupier: $730,720, about $4,494 a month. Lenders look at your deposit or equity, the timing of a sale and purchase if you’re upgrading, and repayments on the combined debt.

Investor: $708,350, about $4,357 a month. Lenders count only part of the rent, and the choice between interest-only and principal and interest matters.

Which one sounds like you? Message us and we’ll compare your options across 50+ lenders.

Illustrative only: 30-year principal and interest at 6.24%. Loan sizes from ABS data (June 2026) via https://bit.ly/4ialaZd. General information, not advice.

$730,720. That’s the average new owner-occupier home loan in Australia, at an average rate of 6.24%.Over 30 years, that ...
22/10/2026

$730,720. That’s the average new owner-occupier home loan in Australia, at an average rate of 6.24%.

Over 30 years, that works out to about $4,494 a month. And with the RBA’s next decision on 3 November, another 0.25% rise would add roughly $119 a month on a loan that size.

How does your loan compare? Message us and we’ll check your rate across 50+ lenders.

Repayments are illustrative: 30-year principal and interest. General information only. Sources: ABS (June 2026) and https://bit.ly/4ialaZd (updated 14 October 2026).

Address

Railway Avenue
Stanmore, NSW
2048

Opening Hours

Monday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 11am

Telephone

+61405118464

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