Mortgage Choice Hornsby - Kapil Nepal

16/06/2026

😃📢 RBA keeps the cash rate on hold at 4.35%.

A welcome relief for Aussie homeowners after three consecutive rate hikes this year. While rates remain high, today’s decision provides some much-needed stability for borrowers.

12/06/2026

🏡 Is the current property market making you feel unsure? 🤔

With high interest rates, uncertainty around tax concessions like negative gearing and capital gains tax, and many buyers choosing to wait and see, the finance outlook may feel gloomy.

But here’s the other side of the story…

When many buyers step back, prepared buyers may find real opportunities.

✅ More properties to choose from
✅ Less competition
✅ More room to negotiate
✅ Better chance to secure the right property

This market may not feel easy, but with the right strategy, it could still be a great time to explore your options.

If you are looking to purchase a property and want to know your borrowing capacity, contact me on 0403 057 614.

05/06/2026

Three common mistakes people make with 100% offset account

21/05/2026

3 rate increases ☹️☹️☹️
More pressure on investors.

Many property investors are now noticing the impact on monthly cash flow.

The good news? Rising rates do not always mean you have to simply absorb the extra cost.

A well-structured loan can potentially help by:

✅ Extending loan terms strategically
✅ Reviewing interest rates
✅ Optimising offsets and cash flow
✅ Restructuring existing debt
✅ Improving overall lending strategy

Sometimes small changes can create meaningful monthly savings and improve flexibility.

If your investment loans have not been reviewed recently, now may be a good time for a Home Loan Health Check.

Book a complimentary Home Loan Health Check.

Disclaimer: Lending and credit eligibility criteria apply. This information is general in nature and does not constitute financial advice.

05/05/2026

🚨 Rate Rise Alert: Cash Rate Hits 4.35%
Are You Prepared?
The RBA has increased the cash rate to 4.35% just now— which means higher repayments for borrowers as lenders pass this on.

💡 What this means for you:

⬆️ Monthly repayments will rise
☹️Household cash flow could tighten
☹️Borrowing capacity may reduce

✅ What you can do now:

Review your current interest rate (don’t assume your bank will adjust it automatically)

✅Consider refinancing for a better deal

✅Use offset/redraw to reduce interest

✅Tighten expenses and build a buffer

📞 Don’t wait for the bank to tell you — Call me on 0403057614 to review your loan now and stay ahead.

29/04/2026

21/04/2026

Another happy client 🙌

When your bank says no, we find a way. From refinancing to securing a deposit for an investment property — all made simple with the right guidance and support.

Grateful for the trust and kind words ❤️
If you’re thinking of reviewing your home loan or investing, let’s chat.

21/04/2026

Another happy client 🙌

When your bank says no, we find a way. From refinancing to securing a deposit for an investment property — all made simple with the right guidance and support.

Grateful for the trust and kind words ❤️
If you’re thinking of reviewing your home loan or investing, let’s chat.

14/04/2026

Happy Nepalese New Year 2083 🙏🙏🙏
नयाँ वर्ष २०८३ को हार्दिक मंगलमय शुभकामना!
यो नयाँ वर्षले तपाईंको जीवनमा सुख, शान्ति, समृद्धि र सफलता ल्याओस्।
स्वास्थ्य, खुशी र प्रगतिले भरिपूर्ण दिनहरू बितून्।
नयाँ आशा, नयाँ ऊर्जा र नयाँ उपलब्धिहरूसँग अगाडि बढ्ने प्रेरणा मिलोस्।

20/02/2026

Are you paying too much on your home loan?

With the recent cash rate hike, many of us are feeling the squeeze. But what if your next mortgage repayment was taken care of?

When you apply to refinance by 16 May, you’ll automatically go into the draw to win a monthly $5,000 prize. 💰That’s some serious breathing room.

At Mortgage Choice, we can compare your loan against thousands of products in the market to check if you’re still on a competitive interest rate.

Reach out today to get started.

T&Cs apply. Minimum loan amount of $250,000.

Compare your existing loan against thousands of home loan options and find out how much you could save on your repayments with our refinance calculator. No commitment until you are ready.