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Equilibria Finance - Mortgage Brokers

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Equilibria Finance - Mortgage Brokers

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Equilibria Finance provides residential & commercial mortgages & business & asset finance solutions

We provide residential and commercial mortgage and business finance solutions in keeping client goals, objectives & aspirations. Services;
- Residential mortgages
- Commercial mortgages
- Motor vehicle finance
- Business Finance

03/11/2026

Five rate rises in 2026, and the impact isn't just higher mortgage repayments. Buyers can now borrow less too.

The RBA has lifted the cash rate another 0.25% to 4.85%, taking this year's increases to 1.25%.

Why another rise?
• Inflation remains too high and persistent
• Headline inflation is 4.3%, with underlying inflation at 3.6%
• Housing, energy and other cost pressures remain elevated
• Businesses continue to report rising costs and price pressures

What does this mean for households?

• For someone with a $750,000 mortgage, the 1.25% increase equates to around $781 per month, or $9,375 per year, in additional interest cost if fully passed through.
• For buyers, higher assessment rates mean lower borrowing capacity. Someone who could previously borrow around $750,000 could potentially have lost around $90,000 to $110,000 in borrowing power, depending on their circumstances and lender.

And this raises a bigger question.

The RBA is using higher rates to reduce demand and household spending. But when government spending continues to support demand elsewhere in the economy, how much longer should mortgage holders and businesses be expected to do the heavy lifting on inflation?

I expect rates to remain on hold at 4.85% for an extended period, but if inflation doesn't moderate, the risk of further tightening in 2027 remains.

For borrowers and buyers, it's no longer just about the interest rate. It's about cash flow, borrowing capacity and what you can actually afford.

29/10/2026

Canberra has a spending problem. Mortgage holders are paying for it.

Inflation is refusing to go away. Headline inflation is at 4.3%, underlying inflation is 3.7%, and markets are pricing an 85% chance of another rate rise on Melbourne Cup Day.

Meanwhile, government spending has reportedly reached 28% of the economy, its highest level in 40 years outside the pandemic.

And households are paying the price.

A typical new 30-year mortgage repayment has more than doubled from around $2,354 a month in April 2022 to $4,819 today.

Higher rates. Lower borrowing capacity. Higher living costs.

Government doesn't set interest rates, but it does control its own spending.

If Canberra genuinely wants to tackle the cost-of-living and housing affordability crises, perhaps that's where it should start.

25/10/2026

The Spring property market is here. The buyers aren't.

The latest Cotality data shows Australia's housing market is losing momentum:

📉 Home sales down 20.9% year-on-year
📉 Home values down 5.2% from their March peak
📉 Properties taking 41 days to sell, up from 26 days a year ago
📈 Total listings up 19.1%
📉 Auction clearance rates below 50%

What's interesting is that new listings are actually down 7.9% on last year.

This isn't a supply surge. It's a demand problem.

Four RBA rate rises, reduced borrowing capacity, cost-of-living pressures and ongoing government policy uncertainty have seen many buyers and investors step back from the market.

Yet while demand is slowing, Australia's long-term housing shortage hasn't disappeared. Cotality estimates we'll need around 1.4 million additional homes by 2035 to meet future population growth.

You can slow demand, but you can't solve a housing shortage without building more homes.

21/10/2026

Currently in the UK on a four-day study tour hosted by The Adviser, alongside 30 mortgage and finance industry professionals from across Australia.
Its a fantastic opportunity to explore the similarities, differences, opportunities and challenges facing both the UK and Australian lending markets.

The week includes networking, London sightseeing, and hearing directly from brokerages, lenders and industry providers on:
✅ How the UK broker market operates
✅ Regulatory and lending differences
✅ Technology and innovation trends
✅ Market opportunities and emerging challenges

Looking forward to a great week of learning, insights and industry connections!

15/10/2026

The latest Cotality data shows national rents rose just 0.5% in the September quarter, down from 2.1% earlier this year.

Some will point to that as evidence affordability is improving.
I don't see it that way.

Renters are now spending around 34% of their pre-tax income on rent, the highest level on record. People are moving back home, taking on housemates, delaying having children, and moving further away from where they work just to keep a roof over their heads.

Rents aren't slowing because we've fixed housing supply. They're slowing because tenants have hit the wall.

At the same time:
• Consumer confidence is back near recessionary levels.
• Unemployment has risen to 4.6%, largely because more Australians are entering the workforce and chasing additional income.
• Interest rates look set to remain higher for longer.

And while households are under pressure, governments continue to send a clear message to property investors: "We need your rental properties, but we'd prefer you didn't invest., and the result is exactly what you'd expect.
• Tenant demand remains strong.
• Supply remains constrained.
• Investors are becoming harder to find.
• Affordability remains broken.

For years, politicians have treated investors as the villain in the housing debate. The problem is investors provide the overwhelming majority of Australia's rental housing.

If you tax them more, regulate them more, increase their costs and reduce their incentives, don't be surprised when fewer people are willing to take the risk.

And until governments start encouraging private capital back into housing, affordability will remain out of reach for millions of Australians.

11/10/2026

Australia's spring property market is behaving very differently this year.

Spring is normally when buyer confidence returns and activity picks up.

Instead, the latest Cotality Home Value Index shows national home values have now fallen for six consecutive months and are 5.2% below their March peak. Sydney prices are down 8.6% from their peak, while 97% of capital city suburbs recorded value declines over the three months to September.

But the most interesting part of the story isn't falling house prices.

It's that rental markets remain incredibly tight.

Housing turnover is running 19.1% below a year ago as buyers and investors remain cautious, yet rents continue to rise and vacancy rates remain well below long-term averages.

Investors are disappearing.

Not all at once, but many are becoming far more selective about where they invest their money. As policy settings change and market uncertainty grows, capital inevitably starts looking elsewhere.

That raises a simple question:

If private investors stop providing rental housing, who will?

Anthony Landahl, Equilibria Finance discussed the latest data, investor behaviour and what it means for buyers, borrowers and property investors in his latest interview with Ausbiz.

06/10/2026

Growth creates opportunity. The right people create results.

That's why I'm excited to announce that Laura Loghry has joined Equilibria Finance as a Mortgage and Finance Broker.

Laura brings a wealth of experience in business management, combined with a proven track record as a successful mortgage broker. Her ability to build trusted relationships, navigate complex lending scenarios and deliver outstanding client outcomes aligns perfectly with our values and standards.

As we continue to grow, attracting high-calibre professionals like Laura is central to our commitment to delivering exceptional service and outcomes for our clients and the professional partners we work with.

Welcome to the team Laura. We're thrilled to have you on board and look forward to the impact you'll make for our clients and business.

Learn more about Laura here: (https://equilibriafinance.com.au/broker/laura-loghry-4218/)

29/09/2026

The RBA has lifted the cash rate by another 0.25% to 4.60%, its 4th rate hike of 2026 and the 16th increase since Labor came to government. According to the RBA, rates are now at their highest level since 2011, and further increases remain on the table if inflation doesn't return to target.

For months, Anthony Albanese and Jim Chalmers have pointed to overseas events as the main cause of inflation. Yet the RBA's statement highlights domestic inflation pressures, weak productivity, capacity constraints and elevated inflation expectations as key concerns.

Key points:
• Trimmed mean inflation remains at 3.6%
• Inflation expectations remain elevated
• Businesses continue to face strong cost pressures
• The RBA says inflation is still "too high" and may require further action.

The big question: if rates have now risen 16 times since Labor took office, when does the Government accept responsibility for the state of the economy?

Do you think this is the final hike, or is another rate rise coming before Christmas?

24/09/2026

House prices are falling. So why is housing affordability at a 32-year low?

Anthony Landahl, Equilibria Finance Managing Director joined Ausbiz this week to discuss one of the biggest contradictions in the Australian property market.

Despite softer property prices, housing affordability has reportedly fallen to its weakest level in decades, as higher interest rates continue to outweigh the benefit of lower house values.

With inflation still above the RBA's target range and another rate rise firmly on the table next week, borrowing costs remain the biggest hurdle for home buyers.

The reality?
✅ Lower house prices don't automatically improve affordability.
✅ Higher mortgage repayments are eroding borrowing capacity.
✅ Interest rates, inflation and housing supply are now the key drivers of affordability.

🎥 Watch the Ausbiz interview below and let me know your thoughts:(https://youtu.be/_eMQpOBf7XI)

23/09/2026

We're incredibly grateful to receive reviews like these from clients who have trusted us with their home loans, property investments, refinances and property goals.

Whether it's supporting clients through a complex lending journey, helping them secure a better outcome, or simply being there when they need advice, our focus has always been on building long-term relationships,

A huge thank you to our clients for your trust, and to our incredible Equilibria team for delivering exceptional service every day.

Address

Level 3, 47 York Street
Sydney, NSW
2000

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm

Telephone

+611300662227

Website

http://equilibriafinance.com.au/

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