Mint Money

Mint Money Simplifying the process to help you fund the home of your dreams.

Mint Money is a mortgage brokering firm based in Surry Hills, NSW with a passion for helping individuals reach their financial goals & objectives. Our mortgage brokers and finance brokers offer a range of financial services including first home buyers, residential home loans, refinance loans, investment loans, debt consolidation, asset finance, equipment finance, business loans, commercial lending & more. Locally servicing Sydney City including; Woollahra, Barangaroo, Broadway, Ultimo, Haymarket, Chippendale, Darlington, Golden Grove, Pyrmont, Darlinghurst, Surry Hills, Elizabeth Bay, Potts Point, Rushcutters Bay, Woolloomooloo, Redfern, Eveleigh, Paddington, Zetland, Moore Park, Millers Point, Paddington, Double Bay, Forest Lodge & Glebe.

Westpac was the last Big Four economist shop to call a near-term hike. Tuesday it moved to a November base case: **+25bp...
09/09/2026

Westpac was the last Big Four economist shop to call a near-term hike. Tuesday it moved to a November base case: **+25bp to 4.60%** (Savings.com.au / Bloomberg).

Same day: Hunter + Hauser hawkish; ASX six-week low.
Cash rate still **4.35%**. Next Board update **29 Sep 2:30pm**.

Forecasts aren’t a decision. If you’re on a variable rate, know your assessment buffer before the meeting — not after the headline.

Comment BUFFER or message us for an obligation-free check. Not a Mint rate call. Not a promised outcome.

General information only. Not personal financial advice.
Mint Money · CR 470642 · ACL 389328 · FBAA · AFCA · 1300 302 620

57% of Sydney's reported auctions sold last weekend. That is not the same thing as prices dropping 43%.The numbers come ...
31/08/2026

57% of Sydney's reported auctions sold last weekend. That is not the same thing as prices dropping 43%.

The numbers come from Domain's preliminary results for the 23 to 29 August round: Sydney 57%, Melbourne 60%. The same weekend last year, those were 73% and 70%.

A clearance rate is the share of reported auctions that sold at or before the hammer falls. It answers one question: did the place sell on the day? It says nothing about the price it sold for. A property that passes in can still sell the following week, and that later sale is not what this weekend's number is measuring.

The price picture is a different report. Cotality's August Housing Chart Pack has national home values down 0.7% in July, the biggest monthly fall since December 2022.

Both series are softer than last year for the same underlying reason. There were three cash rate rises earlier this year, and the RBA cash rate is now 4.35%. APRA requires lenders to assess your loan at your rate plus at least three percentage points, so every rise trims what you can borrow well before it trims what anyone is asking.

That is the bit worth acting on. Spring usually brings a jump in listings from September, so there is more to choose from and fewer people bidding against you. That only helps if your finance is ready when the right place appears. A pre-approval worked out before this year's rate rises is probably showing you a number that no longer exists, and most pre-approvals expire after about three months.

So before the listings arrive, not after: get your borrowing capacity re-run on current assessment rates. Johnny Sukkar can do that in a phone call.

Mint Money is Australia's mortgage broker for professionals, and we work with first home buyers and refinancers across Sydney. Call 1300 302 620 or message the page if you want your figure checked.

General advice only, not personal financial advice. Credit Representative 470642 | ACL 389328.

If you are renting with kids, research released this week put a number on something you probably already feel.18% of hou...
28/08/2026

If you are renting with kids, research released this week put a number on something you probably already feel.

18% of households with children in private rentals were behind on a housing payment. For households with a mortgage, it was 7%. The same research found children in private rentals deal with overcrowding at more than double the rate of children in owner-occupied homes. Source: AHURI/AIFS-linked research, reported by ABC News, 27 August 2026.

The gap comes from how each cost is set, not from how well each family budgets.

A mortgage repayment on a variable loan moves when the cash rate moves. Before the loan was approved, the lender assessed the household at roughly three percentage points above the actual repayment, under APRA's serviceability buffer. A margin was tested first.

Rent moves at each lease renewal, at whatever the market will bear. Nobody checks first whether the family can absorb it.

That same difference is why saving gets harder the longer you rent. A 20% deposit on a rising price is a target that keeps moving, and rent increases are what slow the saving down.

Two schemes are built for this exact situation. The 5% Deposit Scheme lets eligible first home buyers purchase with a smaller deposit. Help to Buy is a shared equity scheme, where the government takes a share in the property so the buyer needs less of their own. Both work on the deposit required rather than on the price. Eligible first home buyers may qualify, subject to lender and scheme criteria.

If you looked at the deposit maths a couple of years ago and decided it was out of reach, the schemes on offer now are not the ones that existed then. Worth having the numbers re-run before you assume the answer is still no.

Mint Money is Australia's mortgage broker for professionals.

General advice only, not personal financial advice. It does not account for your objectives, financial situation or needs. Credit Rep 470642 | ACL 389328.

Inflation eased in the July figures. The number the RBA actually watches didn't move.The ABS released July CPI on Wednes...
27/08/2026

Inflation eased in the July figures. The number the RBA actually watches didn't move.

The ABS released July CPI on Wednesday. Annual headline inflation was 3.5%, down from 3.8% in June. That is the number in the headlines.

The one that moved markets was the trimmed mean, which strips out the biggest price moves in both directions. It held at 3.6% for the third month in a row, above the roughly 3.3% the RBA had pencilled in for year end.

Within a day, ASX rate futures pricing for a hike at the 28-29 September meeting went from about 17% to 36-38%. Pricing for at least one hike by February 2027 reached 94%. Those are market-implied probabilities, not a prediction from us.

Treasurer Jim Chalmers welcomed the easing in the headline number while pointing out that people are still under pressure. He named fuel as one of the bigger movers in July. Separately, the fuel excise relief ended in early August, which will show up in the next set of figures rather than this one.

Here is the practical bit, and it has nothing to do with guessing what happens in September.

Your lender did not assess your loan at the rate you were offered. It added a buffer on top and checked you could still make the repayments at that higher figure. That assessment rate is what set your borrowing limit, and it is why today's repayment is not the ceiling you were approved against.

If you have never been told what your loan was assessed at, you are not alone. Ask, and we will check it for you.

General information only, not personal financial advice. Figures are from the ABS July CPI release and ASX rate futures pricing as reported on 26 August 2026. Mint Money | Credit Representative 470642, authorised under Australian Credit Licence 389328.

25/08/2026

Wanna manage your money like a wealthy person would? Here’s what you’ve gotta do…👇

1️⃣Treat saving and investing like a fixed expense, not something you do with ‘leftover’ money.

2️⃣Design your life so that you’re always living below your means, not right on the edge of what you can afford.

3️⃣Make decisions based on long-term outcomes, not short-term comfort or impulses.

4️⃣Avoid bad debt strategically, knowing it destroys borrowing power and freedom (and hire the right people to help you do this)

5️⃣Focus on building assets (investments, property, income streams) instead of just increasing income or savings.

But here is the real mindset shift:

Financially savvy people don’t just rely on discipline. They slowly build systems and beliefs that make good money decisions automatic and effortless.

Many analysts predicted this when the budget was first announced - now, it’s being affirmed by some of the biggest real ...
21/08/2026

Many analysts predicted this when the budget was first announced - now, it’s being affirmed by some of the biggest real estate management groups in the country 😕

If you’re ready to get out of the rental game before things get too messy, let’s chat ☎️

Book a call with Johnny and the Mint Money team via the link in our bio, to see how much you might be able to borrow.

21/08/2026

Predictions are based on past growth - so the real question is, is the growth landscape going to change over the next couple of decades?

The past 100 years have taught us that inner city stand alone dwellings in Australia have roughly doubled in price every 10 years or so…
But with Labor determined to make housing more affordable, will this pattern continue?

Let us know your thoughts below👇

20/08/2026

"Am I on the list?" It's one of the first things professionals ask us about LMI waivers.

There isn't a list. There's one per lender, and they don't agree with each other.

A quick refresher: lenders' mortgage insurance is the premium charged when you borrow above 80% of a property's value, and it protects the lender, not you. A professional waiver means an eligible borrower doesn't pay it. The benefit is the premium avoided. It isn't a rate, and it isn't a discount on anything else.

Which professions qualify is credit policy, written lender by lender. One lender on our panel leaves physiotherapists, psychologists and registered nurses off its professional list. Others include them. Same person, same payslips, different answer.

The conditions matter just as much:

• An LVR cap, most commonly 90% or 95% — a 10% or 5% deposit. A waiver is not a no-deposit loan.
• Income floors, commonly between $90,000 and $120,000.
• Caps on the loan size and on the security itself.
• One lender restricts the waiver to principal-and-interest repayments, so an interest-only structure can fall outside it.
• At least one doesn't apply it automatically — you request it upfront and supply your registration as evidence.

Doctors and specialists, dentists, vets, allied health, lawyers, accountants, auditors, actuaries and CFOs, banking and finance professionals, registered nurses and midwives, and partners at top-tier firms and ASX100 executives — those are the professions with a documented waiver pathway across our panel. Eligible professionals may qualify, subject to lender criteria.

Been told you don't qualify? Worth asking which lender said it. That's one lender's answer, not a verdict on your profession.

Profession-by-profession detail, including the pathways and the conditions attached to each:
https://www.mintmoney.com.au/professional-home-loans/

General information only, not personal financial advice. Eligibility, LVR caps and income requirements are set by each lender and subject to their criteria and assessment. Mint Money | Credit Representative 470642, authorised under Australian Credit Licence 389328.

19/08/2026

And, I do it for free! Almost sounds criminal😆

The truth is, using a mortgage broker to obtain a home loan is one of the best FREE services available.

You get a home loan expert to research and negotiate the best loan possible for you, guide you through the whole finance process and then, as the years go on they’ll continue to check in on your interest rate and regularly try to convince your lender to give you a better deal 👏

Address

Level 10/418A Elizabeth Street
Surry Hills, NSW
2010

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

1300 302 620

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