Lumo Finance

27/08/2026

Meet Dallas.

With extensive experience in commercial and agribusiness finance, Dallas helps clients navigate complex lending with clear, practical advice.

Whether you're expanding, refinancing or planning your next move, he's here to help.

25/08/2026

Most people only review their home loan when they're forced to.

The reality is:
• Interest rates change.
• Lenders change their pricing.
• Your financial situation changes.

What was the best loan for you two years ago may not be the best loan today.

A loan review doesn't mean you have to refinance. Sometimes it's as simple as negotiating a better rate with your current lender. Other times, it might reveal a better option elsewhere.

Either way, knowing your options costs nothing—and it could save you thousands over the life of your loan.

If it's been more than 12 months since your last review, let's have a chat.

📩 Send us a message or book a free review.

20/08/2026

Please jump on Dallas Davison - Agri Finance Specialist to keep up to speed with all things agri finance.

Finance broking for beef cattle producers in North West Queensland, with lending between $3 million and $50 million. Free guide and short reads on how agri lending actually works.

20/08/2026

$1 million doesn't make you fancy anymore. It makes you average. More than a third of Aussie homes were worth seven figures in 2025. Ten years ago it was fewer than one in ten. But that million buys wildly different lives depending on the map. In Sydney: a two-bed apartment, or a house way out west. In Darwin: a five-bedroom tropical home with verandahs for days. Same budget. Completely different front door. It's not that homes got fancier. It's that the goalposts moved — and your postcode decides how far the money stretches. Whatever your number is, the smartest move is knowing exactly what you can borrow before you fall for a listing. That's step one, and we make it painless. Link in bio.

18/08/2026

15% a year. For ten years straight. That's what buyers in Aintree, on Melbourne's western fringe, have watched happen. Cobblebank and Queensland's Sunrise Beach weren't far behind at 14%. Here's the thing about those numbers — they're not from flashy inner-city blue-chip suburbs. They're growth-corridor land that most people drove past a decade ago. Compounding is quiet. 15% a year doesn't make headlines month to month. But over ten years it roughly quadruples your money. The trick was buying early and holding. Easy to say now, hard to spot then. Nobody can promise the next Aintree. But having your finance ready to move when you find the right one? That part we can sort. Link in bio.

13/08/2026

13.2%. That's the rental yield in Tom Price, Western Australia - the highest in the country. A house there costs about $685k and rents for $1,745 a week. Compare that to a Sydney investor scraping 2-3% and it looks like a no-brainer. Units in nearby Newman are pulling 12.4%. The catch? These are mining towns. Yields are sky-high because prices are low and rents follow the resources boom. When the mine slows, so can the rent - and the capital growth. High yield, high risk. It's a different game to a blue-chip capital city buy. Investing in regional Australia can absolutely work - but the finance and the risk both need thinking through. That's our patch. Link in bio.

11/08/2026

Your bank rewards loyalty. Just kidding - it charges you for it. New Canstar numbers: a borrower who hasn't touched their loan since 2021 is on about 6.98%. A new customer walking in today? 5.99%. That gap - just under 1% - works out to $10,713 over two years on a $600k loan. Even after switch costs. Banks bank on you not checking. The rate you got three years ago is almost never the rate they're offering new faces this week. Refinancing isn't as painful as people think. Often it's one form and a few weeks. If you haven't reviewed your loan in a couple of years, it's worth 15 minutes to find out. That's exactly what we do. Link in bio.

06/08/2026

$735,000. That's the average new home loan across Australia right now. But the "average" hides a huge gap. Borrow in NSW and you're signing up for $860,000. Cross to Tasmania and it's $521,000. That's a $339,000 difference for the exact same thing - a roof over your head. Same job, same deposit, totally different mortgage depending on your postcode. First home buyer numbers also dipped this quarter - about 30,000 loans, down 4% - as higher rates bite. Bigger loans mean the rate you sign up for matters more than ever. A fraction of a percent on $735k adds up fast. We shop it around so you don't overpay from day one. Link in bio.

04/08/2026

The RBA meets again on 11 August, and it all comes back to one thing: inflation. After lifting the cash rate three times earlier this year, the Board hit pause in June and left it at 4.35%. Governor Michele Bullock has been clear that inflation is still running too hot - made stickier by higher oil prices flowing through from overseas and that the Board is in "wait and watch" mode.

So what happens next? Markets are fairly calm for now. The ASX rate tracker is pricing about a 74% chance the RBA holds again in August, which leaves only around a 1-in-4 chance of another rise. The big banks are split too: Westpac still expects one more hike, while CBA, NAB and ANZ reckon 4.35% is the peak and the next move will be a cut - though not until 2027.

Lumo's simple take: even the experts can't agree, so there's little point trying to out-guess the RBA. What's worth understanding is what a move either way would actually mean for your monthly repayments - because that's the part that lands in real life.

02/07/2026

There's a reason brokers exist.

We compare. We advocate. We find what actually fits your situation — across multiple lenders, not just one.

And it costs you nothing.