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https://www.jlmb.com.au/, https://brkpg.com/jason-low

Jason Low Mortgage Broking, 1/37 Grey Street, Traralgon (2026)

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/

07/04/2026

🏠𝗥𝗮𝘁𝗲 𝗿𝗶𝘀𝗲 𝗿𝗲𝘀𝗵𝗮𝗽𝗲𝘀 𝘁𝗵𝗲 𝗺𝗮𝗿𝗸𝗲𝘁🏠

Over the past week, lenders have been passing on the full 0.25-percentage-point increase to borrowers, with repayments now lifting across the market.

This comes on top of the February move, so for many households, rates have now increased twice in a short period – putting additional pressure on monthly budgets.

Globally, interest rates remain elevated, with Australia continuing to move in line with broader trends across major economies.

Fixed rates have been moving higher in recent weeks as markets have already priced in further expected rate increases – we’ve covered this in more detail in a story below.

𝑾𝒉𝒂𝒕 𝒕𝒐 𝒘𝒂𝒕𝒄𝒉 𝒏𝒆𝒙𝒕

With rates moving again, attention now shifts to what comes next.

Economists are watching inflation, labour market conditions and global pressures. These will shape whether rates hold, rise further or begin to ease.

With repayments now adjusting, this is typically where small differences between loans start to matter more – making this a useful time to check whether your current rate and structure are still competitive.

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

30/03/2026

🏡𝗛𝗼𝘄 𝘁𝗵𝗲 5% 𝗗𝗲𝗽𝗼𝘀𝗶𝘁 𝗦𝗰𝗵𝗲𝗺𝗲 𝗶𝘀 𝗰𝗵𝗮𝗻𝗴𝗶𝗻𝗴 𝗯𝘂𝘆𝗶𝗻𝗴🏡

More buyers are entering the market sooner – even as interest rates rise.

New data from banking regulator APRA shows a sharp increase in buyers purchasing with smaller deposits.

The share of owner-occupier loans with a deposit of 5% or less rose 59.8% over the year to December 2025.

That shift closely follows the federal government’s expansion of the 5% Deposit Scheme in October 2025.

Even after the recent rate rise, demand remains strong – suggesting many buyers are still confident about entering the market.

𝑾𝒉𝒚 𝒕𝒉𝒊𝒔 𝒊𝒔 𝒉𝒂𝒑𝒑𝒆𝒏𝒊𝒏𝒈

The scheme allows eligible buyers to purchase with just a 5% deposit without paying lenders mortgage insurance (LMI).

For many first home buyers, avoiding LMI can mean saving tens of thousands of dollars.

Instead of waiting years to save a full 20% deposit, some buyers are choosing to enter the market sooner.

More buyers are also looking at affordable or regional areas, where borrowing capacity can stretch further in a higher-rate environment.

𝑾𝒉𝒂𝒕 𝒕𝒉𝒊𝒔 𝒎𝒆𝒂𝒏𝒔 𝒇𝒐𝒓 𝒃𝒖𝒚𝒆𝒓𝒔

This isn’t just a statistic – it’s a practical pathway.

But eligibility rules, lender participation and loan structure all matter.

Getting those details right can make a significant difference.

I can help you understand how the scheme works, check your eligibility and structure the loan to suit your situation.

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

01/03/2026

🏠𝗥𝗮𝘁𝗲𝘀 𝗿𝗶𝘀𝗲 𝗮𝘀 𝗹𝗲𝗻𝗱𝗲𝗿𝘀 𝗺𝗼𝘃𝗲 𝗳𝗮𝘀𝘁🏠

Borrowers are now feeling the impact of February’s rate move.

Since the Reserve Bank of Australia (RBA) lifted the cash rate on 3 February, many lenders – including all four major banks – have increased their variable rates. That means the typical variable borrower is now paying more in interest.

And it didn’t start there.

Several lenders had already begun lifting fixed rates in the weeks before the RBA decision, pricing in the likelihood of a move. So even borrowers locking in recently may have secured higher rates than they would have late last year.

𝙃𝙤𝙬 𝙩𝙝𝙞𝙨 𝙘𝙝𝙖𝙣𝙜𝙚 𝙞𝙨 𝙥𝙡𝙖𝙮𝙞𝙣𝙜 𝙤𝙪𝙩

⭐Variable rates tend to move quickly after RBA changes.
⭐Fixed rates often move in advance.
⭐Not all lenders adjust at the same pace or by the same amount.

This is why comparison matters.

Even in a rising-rate environment, pricing gaps between lenders can be meaningful. Loan structure – offsets, repayment type and flexibility – can also make a noticeable difference over time.

If you’d like me to check whether your current rate is still competitive in today’s market, get in touch and I’ll run the numbers for you.

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

26/02/2026

🏠𝗕𝗼𝗿𝗿𝗼𝘄𝗶𝗻𝗴 𝗮𝗰𝘁𝗶𝘃𝗶𝘁𝘆 𝗹𝗶𝗳𝘁𝘀, 𝗯𝘂𝘁 𝘀𝘁𝗮𝗻𝗱𝗮𝗿𝗱𝘀 𝗵𝗼𝗹𝗱🏠

Loan activity is rising again – but that doesn’t mean banks have loosened the gates.

The latest Australian Bureau of Statistics data show the number of new loan commitments (excluding refinancing) in the December 2025 quarter was 13.4% higher than a year earlier. Under the surface:
Owner-occupier activity rose 7.4%.
First home buyer loans increased 9.1%.
Investor activity jumped 23.6%, with investor loans hitting a quarterly record.

That tells us confidence is improving. But it doesn’t mean credit is flowing freely.

Lenders are still assessing serviceability carefully. Buffers remain in place. And from 1 February, limits on high debt-to-income lending add another layer of discipline at the margins.

𝙒𝙝𝙖𝙩 𝙩𝙝𝙞𝙨 𝙢𝙚𝙖𝙣𝙨 𝙛𝙤𝙧 𝙮𝙤𝙪

More activity usually means more competition – both for property and for certain loan types. If you’re buying, your preparation matters. If you’re investing, your structure matters.

The key lesson? Rising activity rewards borrowers who understand their numbers before they step into the market.

𝙒𝙖𝙣𝙩 𝙘𝙡𝙖𝙧𝙞𝙩𝙮 𝙤𝙣 𝙝𝙤𝙬 𝙘𝙪𝙧𝙧𝙚𝙣𝙩 𝙡𝙚𝙣𝙙𝙞𝙣𝙜 𝙘𝙤𝙣𝙙𝙞𝙩𝙞𝙤𝙣𝙨 𝙖𝙛𝙛𝙚𝙘𝙩 𝙮𝙤𝙪𝙧 𝙗𝙤𝙧𝙧𝙤𝙬𝙞𝙣𝙜 𝙥𝙤𝙨𝙞𝙩𝙞𝙤𝙣? 𝙄 𝙘𝙖𝙣 𝙬𝙖𝙡𝙠 𝙮𝙤𝙪 𝙩𝙝𝙧𝙤𝙪𝙜𝙝 𝙬𝙝𝙖𝙩 𝙩𝙤𝙙𝙖𝙮’𝙨 𝙣𝙪𝙢𝙗𝙚𝙧𝙨 𝙢𝙚𝙖𝙣 𝙛𝙤𝙧 𝙮𝙤𝙪𝙧 𝙥𝙡𝙖𝙣𝙨 𝙖𝙣𝙙 𝙘𝙤𝙢𝙥𝙖𝙧𝙚 𝙡𝙚𝙣𝙙𝙚𝙧𝙨 𝙩𝙤 𝙛𝙞𝙣𝙙 𝙖 𝙨𝙩𝙧𝙪𝙘𝙩𝙪𝙧𝙚 𝙩𝙝𝙖𝙩 𝙨𝙪𝙞𝙩𝙨 𝙮𝙤𝙪𝙧 𝙨𝙞𝙩𝙪𝙖𝙩𝙞𝙤𝙣.

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

Jason Low Mortgage Broking

01/06/2026

29/05/2026

26/05/2026

30/04/2026

14/04/2026

10/04/2026

07/04/2026

30/03/2026

01/03/2026

26/02/2026

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