Jason Low Mortgage Broking

27/08/2026

🏡𝗙𝗶𝘃𝗲 𝘄𝗮𝘆𝘀 𝘁𝗼 𝗽𝗮𝘆 𝗼𝗳𝗳 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝘀𝗼𝗼𝗻𝗲𝗿🏡

Paying off your mortgage years early can save substantial interest – although finding extra money isn't easy in today's environment.

Elevated interest rates and cost-of-living pressures mean many households are already watching every dollar.

That can make large extra repayments unrealistic, but smaller changes to how you manage your mortgage can still help you get ahead over time.

𝙎𝙢𝙖𝙡𝙡 𝙢𝙤𝙫𝙚𝙨 𝙘𝙖𝙣 𝙖𝙙𝙙 𝙪𝙥

Potentially, you could:
▪ 𝘾𝙤𝙣𝙨𝙞𝙙𝙚𝙧 𝙥𝙖𝙮𝙞𝙣𝙜 𝙝𝙖𝙡𝙛 𝙮𝙤𝙪𝙧 𝙢𝙤𝙣𝙩𝙝𝙡𝙮 𝙧𝙚𝙥𝙖𝙮𝙢𝙚𝙣𝙩 𝙚𝙫𝙚𝙧𝙮 𝙛𝙤𝙧𝙩𝙣𝙞𝙜𝙝𝙩. Depending on how your lender calculates repayments, this may result in the equivalent of an extra monthly repayment each year.
▪ 𝙐𝙨𝙚 𝙮𝙤𝙪𝙧 𝙤𝙛𝙛𝙨𝙚𝙩 𝙨𝙩𝙧𝙖𝙩𝙚𝙜𝙞𝙘𝙖𝙡𝙡𝙮. Keeping spare cash there can reduce the balance on which interest is calculated.
▪ 𝙋𝙪𝙩 𝙬𝙞𝙣𝙙𝙛𝙖𝙡𝙡𝙨 𝙩𝙤𝙬𝙖𝙧𝙙𝙨 𝙩𝙝𝙚 𝙡𝙤𝙖𝙣. Tax refunds, bonuses or other unexpected money can chip away at principal.
▪ 𝙆𝙚𝙚𝙥 𝙧𝙚𝙥𝙖𝙮𝙢𝙚𝙣𝙩𝙨 𝙝𝙞𝙜𝙝𝙚𝙧 𝙞𝙛 𝙧𝙖𝙩𝙚𝙨 𝙛𝙖𝙡𝙡. The extra amount can accelerate your progress.
▪ 𝙍𝙚𝙫𝙞𝙚𝙬 𝙮𝙤𝙪𝙧 𝙞𝙣𝙩𝙚𝙧𝙚𝙨𝙩 𝙧𝙖𝙩𝙚. A lower rate may free up money that can be redirected towards your mortgage.

Before making extra repayments, check your loan's conditions and maintain an appropriate cash buffer.

Want to get ahead on your mortgage? Get in touch and we can look at whether your rate, loan features or repayment setup could help you make faster progress.

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


𝖢𝗋𝖾𝖽𝗂𝗍 𝖱𝖾𝗉𝗋𝖾𝗌𝖾𝗇𝗍𝖺𝗍𝗂𝗏𝖾 𝖭𝗈. 504876
𝖠𝗎𝗌𝗍𝗋𝖺𝗅𝗂𝖺𝗇 𝖢𝗋𝖾𝖽𝗂𝗍 𝖫𝗂𝖼𝖾𝗇𝖼𝖾 𝖭𝗈. 390261

11/08/2026

The Reserve Bank of Australia (RBA) has left the cash rate unchanged at 4.35% following its August monetary policy meeting.

There are tentative signs that inflation is heading in the right direction. Annual trimmed mean inflation – the RBA’s preferred measure – held steady at 3.6% in the 12 months to June 2026, unchanged from May, according to the Australian Bureau of Statistics.

Even so, the Board is not ready to declare the job done. In a recent speech, Governor Michele Bullock warned that underlying inflation remains too high and that “some further easing in the growth of demand is likely to be required” to bring it back to target sustainably. She also noted that the full effects of this year’s cash rate rises are yet to be felt, suggesting the Board is content to let earlier increases continue to work their way through the economy before deciding on the next move.

If you’re wondering how a prolonged pause in the cash rate could affect your borrowing power or repayments, now is a good time to check in. Feel free to reach out.

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



Credit Representative No. 504876
Australian Credit Licence No. 390261

05/08/2026

🏡𝗖𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝘀𝗮𝘃𝗲 𝘁𝗵𝗼𝘂𝘀𝗮𝗻𝗱𝘀 𝗼𝗳 𝗱𝗼𝗹𝗹𝗮𝗿𝘀 𝗯𝘆 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴?🏡

Many homeowners have built far more equity than they realise – and that could translate into lower mortgage repayments.

According to PropTrack, house prices rose over the year to June in 85% of suburbs across Australia, while unit prices increased in 90% of suburbs.

Although prices have softened recently, many homeowners have built enough equity to refinance on more competitive terms.

𝙒𝙝𝙮 𝙚𝙦𝙪𝙞𝙩𝙮 𝙢𝙖𝙩𝙩𝙚𝙧𝙨

Cotality reported that the national median property price fell 0.7% in the June quarter, but values remain well above where they were a year ago.

For many borrowers, that means they may now have at least 20% equity in their property – allowing them to refinance without paying lenders mortgage insurance.

𝙄𝙨 𝙮𝙤𝙪𝙧 𝙘𝙪𝙧𝙧𝙚𝙣𝙩 𝙡𝙤𝙖𝙣 𝙨𝙩𝙞𝙡𝙡 𝙘𝙤𝙢𝙥𝙚𝙩𝙞𝙩𝙞𝙫𝙚?

Competition between lenders remains strong, with many offering lower rates to attract new customers.

If you've built sufficient equity, refinancing to a comparable loan could potentially reduce your interest rate and save thousands of dollars each year, depending on your loan and circumstances.

Even if you don't switch lenders, understanding what's available can put you in a stronger position.

Many borrowers don't realise how much their refinancing options have improved. A quick home loan review could reveal opportunities to reduce your repayments.

𝙏𝙤 𝙚𝙭𝙥𝙡𝙤𝙧𝙚 𝙮𝙤𝙪𝙧 𝙡𝙤𝙖𝙣 𝙤𝙥𝙩𝙞𝙤𝙣𝙨, 𝙘𝙤𝙣𝙩𝙖𝙘𝙩 𝙪𝙨 𝙩𝙤𝙙𝙖𝙮.
For all enquiries or to book an appointment:
📱 03 51778700 or 0412092102
📩 [email protected]
🌐 https://www.jlmb.com.au/

29/07/2026

🏡𝗗𝗼𝗻'𝘁 𝗹𝗲𝘁 𝗵𝗶𝗴𝗵𝗲𝗿 𝗿𝗮𝘁𝗲𝘀 𝗰𝗮𝘁𝗰𝗵 𝘆𝗼𝘂 𝗼𝘂𝘁🏡

Three interest rate rises this year have changed the budgeting equation, but there are practical steps both homeowners and buyers can take.

The Reserve Bank has lifted the cash rate by a combined 0.75 percentage points in 2026, and another increase later this year can't be ruled out if inflation remains persistent.

𝙄𝙛 𝙮𝙤𝙪 𝙖𝙡𝙧𝙚𝙖𝙙𝙮 𝙝𝙖𝙫𝙚 𝙖 𝙢𝙤𝙧𝙩𝙜𝙖𝙜𝙚

Now is a good time to:
▪ Review your interest rate.
▪ Consider whether refinancing could reduce your repayments.
▪ Check that your loan still suits your needs.
▪ Revisit your household budget.

𝙄𝙛 𝙮𝙤𝙪'𝙧𝙚 𝙥𝙡𝙖𝙣𝙣𝙞𝙣𝙜 𝙩𝙤 𝙗𝙪𝙮

Higher rates don't necessarily mean putting your plans on hold.

Instead, consider:
▪ Getting pre-approved before you start searching.
▪ Building a larger financial buffer.
▪ Looking across a wider range of suburbs or property types.
▪ Stress-testing your budget against the possibility of another rate rise.

𝙒𝙝𝙖𝙩𝙚𝙫𝙚𝙧 𝙨𝙩𝙖𝙜𝙚 𝙮𝙤𝙪'𝙧𝙚 𝙖𝙩, 𝙄 𝙘𝙖𝙣 𝙝𝙚𝙡𝙥 𝙮𝙤𝙪 𝙚𝙭𝙥𝙡𝙤𝙧𝙚 𝙡𝙚𝙣𝙙𝙞𝙣𝙜 𝙤𝙥𝙩𝙞𝙤𝙣𝙨 𝙖𝙣𝙙 𝙥𝙧𝙚𝙥𝙖𝙧𝙚 𝙛𝙤𝙧 𝙖𝙣𝙮 𝙛𝙪𝙩𝙪𝙧𝙚 𝙧𝙖𝙩𝙚 𝙧𝙞𝙨𝙚𝙨 𝙩𝙝𝙖𝙩 𝙢𝙞𝙜𝙝𝙩 𝙤𝙘𝙘𝙪𝙧.

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

16/07/2026

𝑾𝒆 𝒍𝒐𝒗𝒆 𝒉𝒆𝒍𝒑𝒊𝒏𝒈 𝒐𝒖𝒓 𝒄𝒍𝒊𝒆𝒏𝒕𝒔 𝒂𝒄𝒉𝒊𝒆𝒗𝒆 𝒕𝒉𝒆𝒊𝒓 𝒑𝒓𝒐𝒑𝒆𝒓𝒕𝒚 𝒈𝒐𝒂𝒍𝒔! 🏠

Contact us to see how we can help you.

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

08/07/2026

🏡𝗟𝗶𝘀𝘁𝗶𝗻𝗴𝘀 𝘀𝘂𝗿𝗴𝗲 𝗮𝘀 𝗯𝘂𝘆𝗲𝗿𝘀 𝗯𝗲𝗰𝗼𝗺𝗲 𝗰𝗮𝘂𝘁𝗶𝗼𝘂𝘀🏡

Buyers are getting more choice as housing supply increases – but the reasons behind the rise in listings are worth understanding.

According to SQM Research, total residential listings across Australia in May were 10.4% higher than April.

That included a 5.0% increase in new listings. Older listings also increased 10.5%, suggesting some properties are taking longer to sell.

𝙒𝙝𝙮 𝙩𝙝𝙚 𝙢𝙖𝙧𝙠𝙚𝙩 𝙞𝙨 𝙘𝙤𝙤𝙡𝙞𝙣𝙜

Several factors are weighing on buyer demand:
▪ Higher interest rates.
▪ Stretched affordability.
▪ Global economic uncertainty.
▪ Lower consumer confidence.

As a result, homes are generally taking longer to sell and buyers are becoming more selective.

𝙒𝙝𝙖𝙩 𝙞𝙩 𝙢𝙚𝙖𝙣𝙨 𝙛𝙤𝙧 𝙗𝙪𝙮𝙚𝙧𝙨 𝙖𝙣𝙙 𝙨𝙚𝙡𝙡𝙚𝙧𝙨

For buyers, a cooling market can create:
▪ More choice.
▪ Less competition.
▪ Greater negotiating power.

For sellers, it can mean:
▪ Longer selling campaigns.
▪ More competition from other listings.
▪ Greater importance of realistic pricing.
Importantly, a cooling market is not the same as a collapsing market.

Property prices remain well above pre-pandemic levels and conditions continue to vary significantly between locations.

More choice in the market can create new opportunities for buyers, but preparation still matters. Knowing your borrowing capacity can help you act when the right property comes along.

𝙏𝙤 𝙚𝙭𝙥𝙡𝙤𝙧𝙚 𝙮𝙤𝙪𝙧 𝙡𝙤𝙖𝙣 𝙤𝙥𝙩𝙞𝙤𝙣𝙨, 𝙘𝙤𝙣𝙩𝙖𝙘𝙩 𝙪𝙨 𝙩𝙤𝙙𝙖𝙮.
For all enquiries or to book an appointment:
📱 03 51778700 or 0412092102
📩 [email protected]
🌐 https://www.jlmb.com.au/

02/07/2026

🏠𝗪𝗵𝗮𝘁 𝘁𝗼 𝗸𝗻𝗼𝘄 𝗯𝗲𝗳𝗼𝗿𝗲 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗮 𝗵𝗼𝗺𝗲🏠

Building a home remains a popular option for Australians looking for more choice and newer housing, despite higher interest rates.

According to the ABS, 200,424 homebuilding approvals were issued in the year to April.

That's 8.5% higher than the previous 12-month period.

While encouraging, it's still below the pace needed to achieve the National Housing Accord target of building an average of 240,000 homes per year in the five years to June 2029.

🏡𝙃𝙤𝙬 𝙘𝙤𝙣𝙨𝙩𝙧𝙪𝙘𝙩𝙞𝙤𝙣 𝙡𝙤𝙖𝙣𝙨 𝙬𝙤𝙧𝙠🏡

Construction loans differ from standard home loans.

Instead of receiving the full loan amount upfront, funds are generally released in stages as construction progresses.

Typical stages include:
▪ Slab or foundation.
▪ Frame.
▪ Lock-up.
▪ Fit-out.
▪ Completion.
During construction, borrowers often pay interest-only on the amount that’s been drawn down.

🏡𝙏𝙝𝙚 𝙧𝙚𝙖𝙡𝙞𝙩𝙞𝙚𝙨 𝙤𝙛 𝙗𝙪𝙞𝙡𝙙𝙞𝙣𝙜 𝙖 𝙝𝙤𝙢𝙚🏡

Building your own home can offer more choice over design and access to newer features and greater energy efficiency.

However, it can also involve delays, variations and unexpected costs.

Before you sign a building contract, it's worth understanding how construction finance works and what you may be able to borrow.

𝙏𝙤 𝙚𝙭𝙥𝙡𝙤𝙧𝙚 𝙮𝙤𝙪𝙧 𝙘𝙤𝙣𝙨𝙩𝙧𝙪𝙘𝙩𝙞𝙤𝙣 𝙡𝙤𝙖𝙣 𝙤𝙥𝙩𝙞𝙤𝙣𝙨, 𝙘𝙤𝙣𝙩𝙖𝙘𝙩 𝙪𝙨 𝙩𝙤𝙙𝙖𝙮.

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

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/