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Shire Mortgage Brokers

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Sutherland, NSW
Shire Mortgage Brokers

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Shire Mortgage Brokers - Providing our clients with advice to put them in a better financial position.

Our team are experienced & educated to provide professional mortgage broker services to our community.

04/11/2026

The RBA cash rate is now at 4.60%, the highest it's been in 15 years. 📊

ANZ and Westpac are calling another hike in November. CBA is predicting a hold.

Nobody knows exactly what's coming, but you can still make smart moves in the meantime. Link in bio.

01/11/2026

31% of NSW household income is going to mortgage repayments. A three-decade high.

If your home loan is eating too much of your budget, there might be ways to restructure that work better for where you are now.

DM us or give us a call on 9545 0054. 💬

30/10/2026

Variable or fixed? 🤔 With the RBA cash rate sitting at 4.60% and economists split on what November brings, this is the question on every borrower's mind right now.

Swipe through for a simple breakdown of how to think it through, then give us a call on 9545 0054.

23/07/2026

The federal government committed to building 1.2 million new homes between 2024 and 2029.

In year one of the Accord, Australia completed 174,000 homes. The target requires 240,000 a year. That's a shortfall of 66,000 in the first year alone.

KPMG forecasts new dwelling supply over 2025 and 2026 will run about 30% below what the Accord requires. At current pace, the 1.2 million target won't be met until around September 2030, fifteen months late.

Construction labour shortages, planning delays, and material costs are all contributing. The gap between what's being built and what's needed is one of the more significant structural pressures on property prices right now. 🏗️

22/07/2026

This is the vibe we're working towards. ☕🏠

20/07/2026

The RBA cut rates three times through 2025, dropping the cash rate from 4.35% to 3.60%.

Then it hiked three times in the first half of 2026, taking it straight back to 4.35% by May.

On a $600,000 variable loan, that round trip was worth roughly $290 less per month going down, then $290 back up again. Households who refinanced to a fixed rate during the cuts locked in the benefit. Those who stayed variable rode the full cycle.

The RBA held at 4.35% in June 2026. Major bank forecasts range from further hikes to cuts in 2027, depending on inflation. Nobody is certain which way it goes next. 💡

16/07/2026

Around 1 in 3 first-time property investors in Australia buy somewhere they don't live.

The approach (renting in the area you want to be in, investing in an area you can actually afford) has become a common first step onto the property ladder for people priced out of their preferred suburb.

There are real trade-offs: you build equity without the lifestyle benefits of owning your own home, and managing a tenanted property while renting yourself adds complexity. But for many buyers, it's how they got started.

The strategy has a name now. A few years ago it was just called making it work. 📊

15/07/2026

Australia builds some of the largest homes in the world.

The average new detached house completed in Australia was 250 square metres as of March 2024, placing us consistently among the top three globally alongside the US and Canada. For context, the average new home in the UK is around 76sqm.

At the same time, average household size has been falling for 50 years. More space, fewer people per home.

Whether that reflects changing preferences, investment behaviour, or something else entirely is worth thinking about next time you're at an open house. 🏠

12/07/2026

In 1981, 61% of Australians aged 25 to 34 owned a home.

By the 2021 Census, that figure had dropped to 36%.

Four decades of structural change in who gets to own property and when. Wages, house prices, and the cost of living have all moved in different directions over that period, and the gap between renting and owning has widened considerably for younger Australians.

Whether that reverses in the next decade is one of the more interesting questions in Australian housing.

08/07/2026

A $10,000 credit card limit can reduce your borrowing capacity by up to $50,000, even if you pay it off in full every month.

Banks assess your credit cards at their full limit, not your current balance. So a few cards you barely use can quietly carve a significant chunk off what you're able to borrow.

Before you apply for a loan, it's worth reviewing what credit facilities you have open. Closing unused cards is one of the easiest ways to improve your position.

We'll check everything before you apply and make sure your numbers are in the best possible shape. 💳

Address

42/10/18 Robertson Street
Sutherland, NSW
2232

Opening Hours

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

Telephone

+61295450054

Website

https://www.shiremortgagebrokers.com/

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