Expand Equity

Expand Equity Here to help you get more from your lending and Expand your Equity. Let us help you get more from your lending and Expand your Equity.

Specialising in home & investment loans, SMSF lending, car finance & business lending

A to Z Finance Pty Ltd t/a Expand Equity
CR #537769 authorised under ACL #384324 Launched in 2023 by Adriana Dundovic King, our mission is to assist clients in navigating the intricate lending landscape in order to leverage their equity and savings to amplify their growth through property or business. We unders

tand the importance of great strategic lending advice and spend the time to get to know you and what you want out of your next step. Whether it's securing a home, venturing into residential investing, purchasing an asset, or pursuing business growth we are there every step of the way. A to Z Finance Pty Ltd ABN: 12 655 533 225. Credit Representative #537769 is authorised under Australian Credit License #384324. Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.

The RBA has cut the cash rate by 0.25% to 3.60%, the lowest since April 2023. This is the third cut this year, aimed at ...
12/08/2025

The RBA has cut the cash rate by 0.25% to 3.60%, the lowest since April 2023. This is the third cut this year, aimed at supporting the economy as inflation eases and growth slows.

For a $1,000,000 home loan, that’s an estimated saving of around $208 per month — or almost $2,500 a year — once your bank passes it on. That’s real money back in your pocket, which could go towards getting ahead on your mortgage, building savings, or easing cost-of-living pressures.

We’re now waiting to see which banks will pass this on and when. Some act quickly, others take weeks — and not all pass on the full amount.

For buyers, a lower rate can also increase your borrowing capacity, giving you more options in the market. For existing homeowners, now is the perfect time to review your loan, compare lenders, and see if refinancing could save you even more.

📞 Want to know how much you could save or borrow after today’s cut? Let’s talk — the right strategy now could save you thousands.

Happy Mother’s day! Privileged to love what I do and have the flexibility to be there more for my kids than ever before....
11/05/2025

Happy Mother’s day! Privileged to love what I do and have the flexibility to be there more for my kids than ever before. Getting better at the juggle... I think!
Shout out to all those out there supporting each other and most of all Baba... Without my Mum’s unwavering help and support Expand Equity wouldn’t exist.

Escape to the office to get work done… they still find me. Happy school holidays all.
16/04/2025

Escape to the office to get work done… they still find me. Happy school holidays all.

Happy International Women's Day!Grateful to the amazing women who made us who we are.Thank you to those who always suppo...
08/03/2025

Happy International Women's Day!

Grateful to the amazing women who made us who we are.

Thank you to those who always support, encourage, and find true happiness in others' success.

Lastly, strength to those currently raising strong women! 🙋‍♀️

RBA RATE CUT – WHAT IT MEANS FOR YOUThe RBA has reduced the cash rate by 0.25% to 4.10%, and most major banks are passin...
18/02/2025

RBA RATE CUT – WHAT IT MEANS FOR YOU

The RBA has reduced the cash rate by 0.25% to 4.10%, and most major banks are passing it on. Predictions suggest three more cuts this year, with another before July and possibly two more later in the year if inflation remains steady.

WHEN ARE BANKS PASSING IT ON?

- Feb 28 – CBA, Bankwest, Suncorp, Macquarie, ANZ, NAB
- March 4 – Westpac, St. George, ING, Bank Australia, Resimac
- March 5 – Pepper Money
- Awaiting confirmation – Teachers Mutual Bank
Some smaller lenders may take 1–2 weeks to announce, 6–8 weeks to implement.

FOR HOMEOWNERS WITH A MORTGAGE

- Rates drop 0.25%, but repayments may NOT change automatically. Some banks adjust in 4–6 weeks, while others keep them the same to help you pay off your loan faster
- If cash flow is tight, you must request a repayment adjustment—some banks won’t lower them automatically
- If you can manage current repayments, leave them as is to pay off your loan sooner

FOR HOMEBUYERS – BORROWING CAPACITY INCREASES

- Lower rates mean higher borrowing power
- A single borrower may borrow $12,000 more, a couple up to $23,000 more
- More buyers could drive property prices up, so get pre-approved ASAP

FOR SAVERS – LOWER INTEREST ON DEPOSITS

- Westpac’s ‘Life’ savings account drops 0.25% to 4.75% from Feb 28
- Other banks likely to reduce savings and term deposit rates
- Affects super, kids’ savings and high-interest accounts
- Some banks may keep rates competitive, but expect reductions

Got questions? Reach out—I’m here to help!

Adriana Dundovic King | Expand Equity
📩 [email protected] | 📞 0478 832 770
🌏 www.expandequity.com.au

Yes the banks have lowered their FIXED rates....There’s been a lot of talk about banks lowering rates in the media and a...
13/02/2025

Yes the banks have lowered their FIXED rates....

There’s been a lot of talk about banks lowering rates in the media and around the BBQ. But let’s clear this up:

- Banks have NOT lowered variable rates—in fact, I’m seeing higher rates for new customers (~6.07%, vs. under 6% before Christmas).
- They have lowered fixed rates—e.g. Westpac 5.69% (1yr), 5.59% (2yr).
- Why? They expect RBA rate cuts and are protecting profits.

What’s Happening?

- Banks don’t lower fixed rates as a favor—they do it because they expect variable rates to drop further.
- Westpac predicts four RBA cuts in 2025, potentially bringing variable rates to ~4.99% by year-end.
- If you lock in at 5.69%, but variable rates fall below that, you could pay more.

Why Are Banks Doing This?

- They source much funding from international markets, and global costs have recently dropped.
- They’ll likely pass on some RBA rate cuts—otherwise, they’ll face government and media pressure.

Should You Fix?

✅ Fixing might be a good idea if:

- You want certainty in repayments for 1-2 years.
- Your borrowing capacity is assessed at the fixed rate (important if buying another property).

❌ Staying variable might be better if:

- You want to benefit from future rate cuts.
- You use an offset account (which you lose if you fix).

My Take?

I wouldn’t rush to fix unless I needed the certainty. Banks typically profit more from locking people into higher rates, and I wouldn’t be surprised if variable rates drop below 5% by year-end.

At the end of the day, it depends on your plans. If you want to chat through your options, send me a message!

Credit Representative #537769 is authorised under Australian Credit License #384324.
This is general information only — it does not consider your individual financial needs and if you would like to know more and explore your options talk to a professional.

RBA Rate Cut Incoming? Major bank economists (CBA, ANZ, Westpac, NAB) now expect the RBA to cut the cash rate by 0.25% i...
30/01/2025

RBA Rate Cut Incoming?

Major bank economists (CBA, ANZ, Westpac, NAB) now expect the RBA to cut the cash rate by 0.25% in February, with some banks bringing forward their forecasts from May after the latest inflation data.

CPI has dropped to 2.4%, the lowest in four years. The RBA’s target is 2-3%, but inflation peaked at 7.8% in December 2022, the highest in over three decades after rising sharply from mid-2021 due to global supply issues and economic recovery.

If the RBA cuts, this could mean lower repayments for existing borrowers and potential changes in borrowing power for new approvals. We’ll be watching closely for the February 18 decision!

Lower home loan rates in 2025? We hope so.The latest data from the ABS indicates that inflation is now within the RBA’s ...
30/10/2024

Lower home loan rates in 2025? We hope so.

The latest data from the ABS indicates that inflation is now within the RBA’s target range of 2-3%. This paves the way for potential interest rate cuts as early as February 2025, according to CBA, ANZ, Westpac, and Macquarie economists. Homeowners might see some relief next year if the RBA starts to reduce the cash rate, which could help lower mortgage repayments.

However, the RBA is cautious. While inflation is easing due to slower wage growth and lower consumer spending, the labour market remains strong, which could keep inflation elevated for longer. If the current trend continues, economists expect rates to start falling steadily in 2025, offering a much-needed break for borrowers

RBA Decision Update!Today, the RBA decided to keep the cash rate steady at 4.35%. Here's a quick breakdown of what this ...
06/08/2024

RBA Decision Update!

Today, the RBA decided to keep the cash rate steady at 4.35%. Here's a quick breakdown of what this means for you:

Inflation:
Currently at 3.9%, it's still above the target range (2-3%), but it's slowly coming down from its peak in 2022. The RBA aims to hit the target by late 2025, so expect gradual improvement.

Economic Outlook:
Things are a bit uncertain. While wages are growing and the job market is strong, economic activity has slowed. There are also global factors at play, like a weaker Chinese economy and volatile financial markets.

Mortgage Rates:
For now, rates remain unchanged. This means your current mortgage repayments will likely stay the same, but it's always good to stay prepared for any future changes.

Key Takeaways:

- The RBA is focused on bringing inflation down.
- The economic path might be bumpy, with slow and steady progress.
- Stay informed and reach out if you have questions about how this affects your mortgage.

If you're curious about how this decision impacts your mortgage or financial plans, feel free to get in touch! I'm here to help you navigate these changes. 📞💬

We ❤️ being part of the community and watching the kids grow with their friends playing a game they love
29/07/2024

We ❤️ being part of the community and watching the kids grow with their friends playing a game they love

When figuring out whether to approve your home loan application, lenders will consider your 'character'.They basically n...
25/07/2024

When figuring out whether to approve your home loan application, lenders will consider your 'character'.

They basically need to decide whether you're someone who'll pay them back, and how they make this judgment is to look at your past behaviour.

Every payment you make – or miss – writes a chapter in your credit history, and lenders will take a look at this story to gauge your reliability.

A strong credit history isn't just numbers; it's proof that you're consistently responsible.

So, before applying for a home loan, make sure your credit report is telling the right story.

Absolutely thrilled to announce the settlement of a stunning piece of land in the Central Tablelands of NSW for my dear ...
20/06/2024

Absolutely thrilled to announce the settlement of a stunning piece of land in the Central Tablelands of NSW for my dear clients and friends, Mandy, Harry, and little Teddy!

Congratulations on this incredible leap of faith! I'm so proud of them for starting their escape from Sydney's rat race and turning many people's dream into a reality for themselves.

Can't wait to see the amazing things you'll create on this beautiful property and to assist you through your dream home construction journey... which will include voting on your tapware. 🌳🏡🎉

Address

Level 2, 109-129 Blaxland Road Ryde
Sydney, NSW
2112

Opening Hours

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

Telephone

+61478832770

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