Lighthouse Home Loans

14/10/2026

💡We love hearing feeback from our happy clients 😀

11/10/2026

💡What a great way to start a Monday! 🎉

Our first call of the morning was to share some fantastic news: our client’s home loan application has been approved. By refinancing from another lender, they secured a better rate and accessed equity in their property to fund exciting home renovations. Congratulations to our happy clients—let the renovations begin! 🏡✨

05/10/2026

💡 Fixed or variable home loan—which one suits you? 🏠

🔒 Fixed rate: Your interest rate and repayments stay the same for a set period, giving you certainty and making budgeting easier. The trade-off? You may have limits on extra repayments, fewer loan features and break costs if you refinance or sell early.

📈 Variable rate: Your rate can move up or down, so repayments may change. You’ll often have more flexibility, including options such as an offset account, redraw and extra repayments—but less certainty if rates rise.

There’s no one-size-fits-all answer. The right choice depends on your budget, plans and comfort with changing repayments. Some borrowers even split their loan to get a mix of certainty and flexibility.

Always compare the rates, fees, features and conditions before deciding. If you are considering making any changes to your home loan - be in touch with us - we would love to help!

30/09/2026

💡Are higher interest rates putting pressure on your household budget?

With rates rising, now could be a good time to review your home loan. Your current lender may not automatically offer its most competitive rate, and a loan that suited you in the past may no longer be the best fit.

We can help you review your existing loan, negotiate with your current lender and compare options from other lenders. A better rate or more suitable loan features could make a meaningful difference over time.

Contact us to arrange a home loan review and explore the options available to you.

29/09/2026

💡RBA Cash Rate Increase 📈
The Reserve Bank of Australia increased the cash rate by 0.25 percentage points to 4.60%. If lenders pass on the rise, many variable-rate borrowers could soon see higher repayments.
When did you last review your home loan? 🏠
Contact us to find out whether a more competitive option is available that you could offer you a saving.

28/09/2026

Thank you Busy Goddess Marketing Co. for inviting us to your grand opening last week and for the photo opportunity!

17/09/2026

💡Instead of approaching just one bank, a mortgage broker can compare options from a panel of lenders and help identify a loan that suits your goals and circumstances.

At Lighthouse Home Loans, we provide clear, jargon-free guidance, manage the lender communication and support you from application through to settlement—saving you time and making the process easier to navigate.

Our support does not stop when your loan settles. We can continue to review your loan as your plans and the market change, helping you stay informed over the life of your loan.

Buying, investing, renovating or refinancing? Let us help you explore your options.

15/09/2026

💡How Do Higher Interest Rates Lower Inflation?
We found this article published by the RBA easy to understand and worth a read.

Australians told us they want to learn more about how the economy works.

That's why we're creating resources that connect what's happening in the economy to what it means for households, businesses and communities. Our latest explainer explores the different ways interest rates affect inflation.

Learn more at https://ow.ly/4mBk50ZNBVK

14/09/2026

💡Your first home could be closer than you think 🏠

From working out your borrowing power to comparing loan options and understanding your deposit, we can help make the home loan process feel simpler.

Depending on your circumstances, you may be able to explore:
• Lower-deposit home loan pathways
• Potential savings on Lenders Mortgage Insurance
• Government support and first home buyer concessions
• Pre-approval and a realistic buying budget

Ready to take the first step? Send us a message to start a no-obligation conversation about your home loan options. 🔑

10/09/2026

💡How is your borrowing capacity calculated? 🏡

Lenders generally look at your income, living expenses, existing debts and credit limits, dependants, and the proposed loan term. They also test whether you could manage repayments at a higher assessment interest rate. Because every lender applies its own criteria, your borrowing capacity can vary.

Want an estimate based on your circumstances?
Be in touch with us - we would love to help !