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Established in 2002, Accredited Mortgage Consultants offering a totally free service.

Accredited Mortgage Consultants offering a totally free service to locate competitive home loans that suit their client's needs.

01/10/2026

Property Market Update 🏡📰

Herron Todd White’s September Month in Review is out. With the RBA’s fourth rate rise this year taking the cash rate to 4.60% and national dwelling values softening across most capitals, the property market is continuing to move through a clear cyclical shift.

Key takeaways from this month's report:
• Borrowing Capacity & Rates: The cash rate increase to 4.60% and stubborn underlying inflation (3.6%) mean buyers and investors are taking a more cautious approach.
• More Choice for Buyers: Total advertised listings are up 18.1% compared to last year, while sales activity has eased. Properties are now averaging 39 days on market, shifting more negotiating power toward buyers.
• Value Trends: National dwelling values fell 3.1% over the three months to August.

However, performance varies widely depending on your local suburb, lot size, and property type.

Read the full report here:https://htw.com.au/wp-content/uploads/2026/09/HTW-Month-in-Review-September-2026.pdf

If you are wondering how these macro changes impact the equity in your specific suburb or what your loan structure looks like in the current rate environment, send a message. Happy to run a free, updated property valuation report for you—no sales pitch, just good data.

😁

30/09/2026

Yesterday, the Reserve Bank of Australia (RBA) increased the cash rate by 0.25 percentage points to 4.60%.

While headline inflation eased to 3.5% in July 2026, underlying inflation remains stubborn with trimmed mean inflation held at 3.6%, above the RBA's 2–3% target range.

Two main factors are keeping pressure on prices. Rising global energy costs are flowing through to the price of other goods and services, and the RBA has signalled the jobs market is still adding to wage and business costs — despite unemployment edging up to 4.6%.

The RBA will continue watching inflation, household spending and the labour market closely.

What could this mean for you?
If your home loan has a variable rate, an increase in the cash rate may flow through to your interest rate and repayments.

This makes it a good time to review your loan and see whether your current rate, lender and loan structure are still competitive.

Get in touch if you’d like to understand your options.

23/09/2026

Pre-RBA Check-In: Is your home loan in shape for next Tuesday? ⏳📉

With all four major banks now forecasting a 0.25% cash rate increase to 4.60% at the RBA’s meeting on 29 September, waiting to see what happens could mean paying more than you need to.

If you haven’t reviewed your home loan in the last 12 months—or if you have a fixed rate expiring in the near future—now is the ideal window to audit your structure.

Lenders often reserve their most competitive pricing for brand-new customers, leaving existing borrowers on a higher "loyalty tax" variable rate. In many cases, we can simply negotiate a repricing directly with your current lender, or look at a refinance if a significantly better option exists elsewhere.

We are currently offering a quick, 10-minute Pre-RBA Rate & Structure Review.

During this short review, we will check:

1. Your current variable discount: Seeing if your current lender can reprice your rate down immediately.
2. Fixed rate expiry dates: Mapping out your transition strategy if your fixed term is coming to an end.
3. Your equity position: Running a complimentary, updated property valuation report to check your loan-to-value ratio (LVR).

Don't wait for the headlines next week to review your household budget.

👉 Send us a direct message or comment "REVIEW" below, and we will set up a quick 10-minute chat before Tuesday.

09/09/2026

Are Interest Rates About to Rise Again? 📈🤔

Let’s talk about the major news out of the Reserve Bank yesterday.

While the official RBA board hasn't met yet this month, Deputy Governor Andrew Hauser gave a very clear, very direct warning: inflation is still "too high" and remains the biggest challenge facing the Australian economy.

He acknowledged that families are understandably frustrated by the cost of living. More importantly for mortgage holders, he noted the RBA is actively questioning whether the current 4.35% cash rate is enough to bring inflation down, or if further rate rises are needed.

With the possibility of rates moving higher, the conversation around fixing your home loan is suddenly back in the spotlight.

If you are weighing up your options, here are three questions to ask yourself:

1. Can my household budget comfortably absorb another rate increase?
2. Do I value the absolute certainty of fixed repayments over the flexibility of an offset account?
3. Am I planning to sell or significantly change my loan structure in the next two years?

There is no one-size-fits-all answer, but waiting for the next official RBA announcement before reviewing your strategy could be a costly mistake.

Send us a message today. I am happy to run a free, no-obligation check on your current loan structure, alongside an updated property valuation for your home, to see if fixing some—or all—of your loan makes sense for your specific situation.

(Please note: This is general market information only and does not constitute financial advice. All lending is subject to lender approval.)

08/09/2026

Zar Mortgage Brokers Leaping into the Green future! 🌿🚗⚡️

We are thrilled to welcome the newest member to the Zar Mortgage Brokers team—our brand-new, fully electric 😊 Leapmotor Australia

Going green and reducing our carbon footprint was a priority for the business this year. By making the switch to an EV mainly charged by Solar, we are doing our part to lower emissions while we are out and about visiting our amazing clients.

Thinking of making the leap yourself?
A lot of our clients don't realise that the Federal Government still offers fantastic tax benefits for eligible electric vehicles. If you have been considering a new EV, send me a message. Beyond home loans, we can help structure your vehicle and asset finance to ensure you are getting a highly competitive deal and maximising those tax incentives.

Whether you are looking to finance a new green ride, or you just want a free property valuation check on your home, we have you covered. Reach out today for a chat!

(Please note: This is general information only and does not constitute financial or tax advice. All lending is subject to lender approval.)

01/09/2026

Property Market Update 🏡📰
Herron Todd White’s August Month in Review is out. With the RBA holding the cash rate at 4.35% and national dwelling values shifting, the market is definitely in transition.

Read the full report here:https://htw.com.au/wp-content/uploads/2026/08/HTW-Month-in-Review-August-2026.pdf

If you are wondering how these macro changes impact the equity in your specific suburb, send a message. Happy to run a free, updated property valuation report for you—no sales pitch, just good data.

😁

18/02/2025

The Reserve Bank of Australia ( ) has today decided to decrease the cash rate by 0.25% to 4.10%, the first decrease since November 2020 🎉🎉🎉🎉

Today's welcome news for mortgage holders is the result of the RBA being confident that inflation is remaining steady, with the current headline inflation rate at 2.4% according to the latest December 2024 data.

At their next meeting on 1 April 2025, the RBA will be closely monitoring the impact today's decrease has on the economy.

Whether you're considering refinancing your mortgage to secure better terms or exploring property investment opportunities, now could be an advantageous time to review your financial strategy.
If you'd like to have a chat about what today's news means for you and your finances, please don't hesitate to get in touch.

10/12/2024

Holds cash rate at 4.35%.

03/12/2024

Property Market Update 🏡📰
Herron Todd White Property Market Update month in review -

https://htw.com.au/wp-content/uploads/2024/11/HTW-Month-in-Review-Nov-2024.pdf

18/11/2024

⭐⭐⭐⭐⭐ Client Testimonial ⭐⭐⭐⭐⭐

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Opening Hours

Monday	07:00 - 23:00
Tuesday	07:00 - 23:00
Wednesday	07:00 - 23:00
Thursday	07:00 - 23:00
Friday	07:00 - 23:00
Saturday	07:00 - 23:00
Sunday	07:00 - 23:00

Telephone

+611800180927

Website

https://zar.smartonline.com.au/

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