Jason Low Mortgage Broking

25/06/2026

🎧In case you missed my chat with Melanie Cahani, check out the link below to hear about all things finance and the self employed.

The Business Huddle - 6 June 2026

24/06/2026

🏠𝗧𝗵𝗲 𝗴𝗼𝘃𝗲𝗿𝗻𝗺𝗲𝗻𝘁 𝘀𝗰𝗵𝗲𝗺𝗲 𝗿𝗲𝘀𝗵𝗮𝗽𝗶𝗻𝗴 𝗯𝘂𝘆𝗲𝗿 𝗯𝗲𝗵𝗮𝘃𝗶𝗼𝘂𝗿🏠

The expansion of the 5% Deposit Scheme in October 2025 has had a big impact.

According to Equifax, lenders that participate in the scheme recorded a 16.4% increase in loan volumes between October 2025 and March 2026, while demand for non-participating lenders fell 6.5%.

At the same time, borrower enquiries increased 22.8% among 18–25-year-olds and 17.4% among 26–35-year-olds.

𝙒𝙝𝙮 𝙩𝙝𝙚 𝙨𝙘𝙝𝙚𝙢𝙚 𝙞𝙨 𝙖𝙩𝙩𝙧𝙖𝙘𝙩𝙞𝙣𝙜 𝙖𝙩𝙩𝙚𝙣𝙩𝙞𝙤𝙣

Normally, buyers with less than a 20% deposit need to pay lenders mortgage insurance
(LMI).

Under the 5% Deposit Scheme, eligible buyers can purchase with as little as a 5% deposit without paying LMI, because the federal government guarantees part of the loan.

That can save thousands of dollars and help buyers enter the market sooner.

𝘽𝙪𝙮𝙚𝙧𝙨 𝙖𝙧𝙚 𝙗𝙧𝙤𝙖𝙙𝙚𝙣𝙞𝙣𝙜 𝙩𝙝𝙚𝙞𝙧 𝙨𝙚𝙖𝙧𝙘𝙝

Interestingly, Equifax found 81.9% of first home buyers purchased outside their existing suburb.

That suggests many buyers are prioritising affordability and opportunity over familiarity.

𝙏𝙝𝙚 𝙩𝙧𝙖𝙙𝙚-𝙤𝙛𝙛𝙨 𝙩𝙤 𝙘𝙤𝙣𝙨𝙞𝙙𝙚𝙧

A smaller deposit can help you buy sooner.

But it also means:
▪ Borrowing more.
▪ Paying more interest over time.
▪ Having less equity initially.

𝙉𝙤𝙩 𝙨𝙪𝙧𝙚 𝙬𝙝𝙚𝙩𝙝𝙚𝙧 𝙩𝙝𝙚 5% 𝘿𝙚𝙥𝙤𝙨𝙞𝙩 𝙎𝙘𝙝𝙚𝙢𝙚 𝙞𝙨 𝙩𝙝𝙚 𝙧𝙞𝙜𝙝𝙩 𝙛𝙞𝙩? 𝙇𝙚𝙩'𝙨 𝙚𝙭𝙥𝙡𝙤𝙧𝙚 𝙮𝙤𝙪𝙧 𝙤𝙥𝙩𝙞𝙤𝙣𝙨 𝙖𝙣𝙙 𝙨𝙚𝙚 𝙬𝙝𝙖𝙩 𝙢𝙖𝙮 𝙗𝙚 𝙖𝙫𝙖𝙞𝙡𝙖𝙗𝙡𝙚.

For all enquiries or to book an appointment:
📱 03 51778700 or 0412092102
📩 [email protected]
🌐 https://www.jlmb.com.au/

16/06/2026

The RBA has kept the cash rate on hold at 4.35%

For all enquiries or to book an appointment:
📱 03 51778700 or 0412092102
📩 [email protected]
🌐 https://www.jlmb.com.au/

05/06/2026

Jason recently had the pleasure of chatting with Melanie from The Business Huddle on Gippsland FM.

They discussed all things finance and the local property market.

Tune in this Saturday at 11:30am to hear the interview, or catch the replay on Monday if you miss it.

A big thank you to Melanie and the team at Gippsland FM for the opportunity! 🎙️

Should you buy, refinance or wait?

If you've been sitting on a property decision, wondering whether now is the right time to make a move, lock in a refinance, or hold off a little longer, this Saturday's episode of The Business Huddle is going to give you some real clarity.

I'm sitting down with Jason Low, director of Jason Low Mortgage Broking in Traralgon, for an honest, no-jargon conversation about where the Gippsland property and lending market actually sits right now.

We're talking interest rates, investment lending, what EOFY means for buyers and why the bank isn't always your best first call.

20 years of local lending knowledge, right here on your radio. 📻

Tune in Saturday 11:30am on Gippsland FM or catch the replay Monday.

01/06/2026

🏡𝐍𝐞𝐰 𝐟𝐮𝐧𝐝 𝐚𝐢𝐦𝐬 𝐭𝐨 𝐮𝐧𝐥𝐨𝐜𝐤 𝐡𝐨𝐮𝐬𝐢𝐧𝐠 𝐬𝐮𝐩𝐩𝐥𝐲🏡

One of the biggest barriers to new housing isn’t always construction – it’s infrastructure.

In many areas, housing projects are delayed because roads, water, sewerage and power connections aren’t ready.

To address that problem, the federal government announced a new $2 billion Local Infrastructure Fund in the Budget.

𝙒𝙝𝙖𝙩 𝙩𝙝𝙚 𝙛𝙪𝙣𝙙 𝙬𝙞𝙡𝙡 𝙙𝙤

The funding will help councils and utilities deliver the ‘last mile’ infrastructure needed to support new housing developments.

The government says the fund could support up to 65,000 homes over the next decade.

𝙒𝙝𝙮 𝙞𝙣𝙛𝙧𝙖𝙨𝙩𝙧𝙪𝙘𝙩𝙪𝙧𝙚 𝙢𝙖𝙩𝙩𝙚𝙧𝙨 𝙛𝙤𝙧 𝙝𝙤𝙪𝙨𝙞𝙣𝙜

The funding will only be available to states and territories that commit to reforms such as:
▪ Speeding up planning approvals.
▪ Making more land available.
▪ Simplifying building rules.
The government believes those changes could support more housing supply across Australia.

𝙒𝙝𝙖𝙩 𝙞𝙩 𝙘𝙤𝙪𝙡𝙙 𝙢𝙚𝙖𝙣 𝙛𝙤𝙧 𝙗𝙪𝙮𝙚𝙧𝙨

Housing supply has become a major affordability issue.

If more land and infrastructure become available, it could gradually improve housing choice and reduce some pressure on prices and rents.

Of course, these changes won’t happen overnight.

Over time, changes like these could influence where housing growth occurs and which areas see the biggest increase in supply.

As rates rise and new housing policies emerge, small financial decisions can have a bigger impact. If you’re thinking about refinancing, investing or buying, reach out and we’ll explore your options.

For all enquiries or to book an appointment:
📱 03 51778700 or 0412092102
📩 [email protected]
🌐 https://www.jlmb.com.au/

29/05/2026

🏠𝐑𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠 𝐚𝐜𝐭𝐢𝐯𝐢𝐭𝐲 𝐣𝐮𝐦𝐩𝐬 𝐚𝐬 𝐫𝐚𝐭𝐞𝐬 𝐫𝐢𝐬𝐞🏠

Borrowers are clearly responding to rising rates – and refinancing is becoming one of the biggest mortgage trends in the market.

The latest ABS lending data shows refinancing activity jumped sharply in the March quarter, as borrowers reacted to the Reserve Bank’s February and March rate rises.

That trend may strengthen further once the May increase fully flows through.

𝙏𝙝𝙚 𝙣𝙪𝙢𝙗𝙚𝙧𝙨 𝙩𝙚𝙡𝙡 𝙩𝙝𝙚 𝙨𝙩𝙤𝙧𝙮

Compared to a year earlier:
▪ Owner-occupier refinancing rose 19.5%.
▪ Investor refinancing rose 3.3%.
▪ Total home loan commitments rose 8.6%.

But compared to the previous quarter, overall loan commitments fell 6.2%, suggesting some buyers may already be becoming more cautious.

𝙒𝙝𝙮 𝙩𝙞𝙢𝙞𝙣𝙜 𝙢𝙖𝙩𝙩𝙚𝙧𝙨 𝙝𝙚𝙧𝙚

This data captures the first two 2026 rate rises and the early stages of the Middle East conflict.

But it does not yet include the May rate rise and the federal Budget’s property tax changes – which means borrowing behaviour could shift again over coming months.

Right now, many borrowers aren’t necessarily looking for the absolute lowest rate.

Instead, they’re thinking about:
▪ Managing higher repayments.
▪ Improving monthly cash flow.
▪Creating more certainty if rates rise again.

That’s why refinancing conversations are increasing across the market.

I can help you compare your current loan against what’s available now and assess whether changing lenders, restructuring your loan or improving your cash flow could make a difference.

For all enquiries or to book an appointment:
📱 03 51778700 or 0412092102
📩 [email protected]
🌐 https://www.jlmb.com.au/

26/05/2026

🏠𝐇𝐨𝐰 𝐛𝐨𝐫𝐫𝐨𝐰𝐞𝐫𝐬 𝐚𝐫𝐞 𝐜𝐨𝐩𝐢𝐧𝐠 𝐰𝐢𝐭𝐡 𝐡𝐢𝐠𝐡𝐞𝐫 𝐫𝐚𝐭𝐞𝐬🏠

Three rate rises in four months are now hitting household budgets – and many borrowers are reassessing their next move.

Most lenders have already passed on the Reserve Bank’s May cash rate increase to variable-rate borrowers, although some changes are still filtering through.

That means many households are now feeling the combined impact of the February, March and May rate rises all at once.

𝙒𝙝𝙖𝙩 𝙩𝙝𝙚 𝙞𝙣𝙘𝙧𝙚𝙖𝙨𝙚𝙨 𝙢𝙚𝙖𝙣 𝙞𝙣 𝙙𝙤𝙡𝙡𝙖𝙧𝙨

According to Canstar analysis, a borrower with $600,000 remaining on their mortgage is now paying an extra $3,265 per year in repayments following the three increases.

For many households, that’s a meaningful change to monthly cash flow.

𝙃𝙤𝙬 𝙗𝙤𝙧𝙧𝙤𝙬𝙚𝙧𝙨 𝙖𝙧𝙚 𝙧𝙚𝙨𝙥𝙤𝙣𝙙𝙞𝙣𝙜

Many borrowers are:
▪Reviewing their loan rate and features.
▪Refinancing to more competitive products.
▪Tightening discretionary spending.
▪Building buffers in offset or savings accounts.
Even small adjustments can help improve flexibility if repayments increase further.

𝙒𝙝𝙮 𝙥𝙡𝙖𝙣𝙣𝙞𝙣𝙜 𝙢𝙖𝙩𝙩𝙚𝙧𝙨

The Reserve Bank has made it clear inflation remains a concern, and further rate increases are still possible.

That’s why many borrowers are now budgeting for repayments to rise again rather than assuming rates have peaked.

I can help you review your loan, compare what’s available across the market and work through strategies to improve your position in the current environment.

For all enquiries or to book an appointment:
📱 03 51778700 or 0412092102
📩 [email protected]

30/04/2026

𝐓𝐡𝐞 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧 𝐦𝐨𝐫𝐞 𝐛𝐨𝐫𝐫𝐨𝐰𝐞𝐫𝐬 𝐚𝐫𝐞 𝐚𝐬𝐤𝐢𝐧𝐠

Between the Middle East conflict, rising prices and two rate increases this year, many households are feeling the squeeze.

That’s why a lot of borrowers are reviewing their loan, not just riding it out.

Refinancing can help you:
▪ secure a more competitive rate.
▪ restructure your loan to suit current conditions.
▪ improve cash flow.

But timing is the tricky part.

𝑹𝒆𝒇𝒊𝒏𝒂𝒏𝒄𝒆 𝒏𝒐𝒘 𝒐𝒓 𝒘𝒂𝒊𝒕?

Refinancing now could mean reducing repayments sooner and getting ahead of further rate rises.

Waiting could mean accessing better rates if markets settle and avoiding switching costs too early.

There’s no perfect moment – it depends on your situation, not just the market.

𝑾𝒉𝒆𝒓𝒆 𝒕𝒐 𝒔𝒕𝒂𝒓𝒕

The key is understanding what your current loan looks like compared to what’s available now.

I can help you review your rate, compare options and decide whether acting now or waiting makes more sense for you.

𝙒𝙖𝙣𝙩 𝙩𝙤 𝙨𝙚𝙚 𝙞𝙛 𝙮𝙤𝙪 𝙘𝙤𝙪𝙡𝙙 𝙗𝙚 𝙥𝙖𝙮𝙞𝙣𝙜 𝙡𝙚𝙨𝙨?

For all enquiries or to book an appointment:
📱 03 51778700 or 0412092102
📩 [email protected]
🌐 https://www.jlmb.com.au/

14/04/2026

🏠𝗕𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗮 𝗵𝗼𝗺𝗲 𝗶𝘀 𝗯𝗮𝗰𝗸 𝗼𝗻 𝘁𝗵𝗲 𝗿𝗮𝗱𝗮𝗿🏠

More buyers are turning to new builds as population growth lifts established home prices.

New home sales in the January 2026 quarter were 26.2% higher than a year earlier, according to the Housing Industry Association.

One key reason is demand.

Australia’s strong population growth has pushed up prices in the established housing market. That’s making it harder for some buyers to find affordable options.

For many households, building a new home has become an alternative entry strategy.

𝑯𝒐𝒘 𝒄𝒐𝒏𝒔𝒕𝒓𝒖𝒄𝒕𝒊𝒐𝒏 𝒇𝒊𝒏𝒂𝒏𝒄𝒆 𝒘𝒐𝒓𝒌𝒔

Financing a new build is different from buying an existing home.

Instead of receiving the full loan at settlement, the lender releases funds in stages as the construction progresses.

𝑻𝒉𝒆𝒔𝒆 𝒔𝒕𝒂𝒈𝒆𝒔 𝒕𝒚𝒑𝒊𝒄𝒂𝒍𝒍𝒚 𝒊𝒏𝒄𝒍𝒖𝒅𝒆:

▪️slab or foundation
▪️frame
▪️lock-up
▪️fit-out
▪️completion

During construction, borrowers usually pay interest-only on the funds already drawn down, which can help manage cash flow while the home is being built.

New builds may also come with grants, incentives or stamp duty concessions depending on where you buy.

Construction loans follow a different process from standard mortgages, so it helps to plan ahead before signing a building contract.

Happy to talk through how the financing works and what lenders typically require.

For all enquiries or to book an appointment:
📱 03 51778700 or 0412092102
📩 [email protected]
🌐 https://www.jlmb.com.au/

10/04/2026

🏡𝗙𝗶𝘅𝗲𝗱 𝗼𝗿 𝘃𝗮𝗿𝗶𝗮𝗯𝗹𝗲 – 𝘄𝗵𝗶𝗰𝗵 𝗶𝘀 𝗿𝗶𝗴𝗵𝘁 𝗳𝗼𝗿 𝘆𝗼𝘂?🏡

Fixed home loan rates have been repriced across lenders in recent weeks, with many moving higher ahead of the March rate rise as markets anticipated further increases.

One clear change – sub-5% fixed rates have largely disappeared, with most offers now sitting higher as funding costs have risen.

Behind this, bond yields have been trending upward, reflecting expectations that interest rates may stay elevated for longer.

Fixed rates don't move directly with the RBA cash rate – they're driven more by funding costs and bond yields, which reflect where markets expect interest rates to go next.

𝑾𝒉𝒂𝒕’𝒔 𝒉𝒂𝒑𝒑𝒆𝒏𝒊𝒏𝒈 𝒂𝒄𝒓𝒐𝒔𝒔 𝒍𝒐𝒂𝒏 𝒕𝒆𝒓𝒎𝒔

▪️Shorter-term fixed (1–2 years) has moved more noticeably, tracking near-term rate expectations.
▪️Longer-term fixed (3–5 years) has been steadier, but has still gradually repriced higher.
▪️Fixed rates are increasingly being set based on where markets expect rates to go, not where they are today.

𝑾𝒉𝒂𝒕 𝒕𝒉𝒊𝒔 𝒎𝒆𝒂𝒏𝒔 𝒏𝒐𝒘

Fixed rates are less about chasing a lower rate and more about certainty and planning.

That’s why some borrowers are now focusing more on loan structure, not just headline pricing.

I can help you compare fixed, variable and split options and structure your loan around your plans in the current environment.

For all enquiries or to book an appointment:
📱 03 51778700 or 0412092102
📩 [email protected]
🌐 https://www.jlmb.com.au/