JEM Loans

16/02/2026

Saving money is not about beating yourself up. It's also not about depriving yourself of all sources of joy.

12/08/2025

20/05/2025

So what should mortgage holders do now? 🏠
"What a relief today’s cut brings for households across the country, but for those who have managed to keep their head above water, today’s RBA decision also represents a golden opportunity.

If you’ve got a $600,000 loan with 25 years to go, your minimum monthly repayments are likely to fall by around $91. But if you’ve managed to keep up with higher repayments through the rate hikes, what about sticking with it?

If we see a total of four cuts this year and this person keeps their monthly repayments exactly the same, they could stand to kick their mortgage to the curb four years early and shave off more than $89,000 in the total interest bill, provided they keep up these extra repayments for the remainder of their loan.

All eyes are now on the banks to pass the full cut on – and quickly. If your lender lags behind, speak up. Call them, share your story, and hold them to account.

Finally, some banks won’t adjust your direct debit automatically. CBA, NAB, and ANZ customers on minimum repayments, so if you do need this extra cash in your bank account, rather than your mortgage, make sure you let your bank know."

CALL YOUR BROKER if your lender doesn't want to play ball.

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04/03/2025

Interest rate cuts boost sentiment, but affordability and supply challenges persist

18/02/2025

Woo Hoo! Buckle up! Hopefully this is the beginning of a few rate drops this year?

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05/12/2023

National home prices have reached new heights for the month despite rising interest rates and an easing in price growth. CoreLogic’s latest national Home Value Index (HVI) rose by 0. 6 per cent in

08/09/2023

Economists Say We Are at the Top of the Interest Rate Cycle, Causing a Surge in Activity in Eastern Australia Property

05/09/2023

04/07/2023

The Reserve Bank’s decision may come as a welcome one, but a further cash rate hike still looms.

03/07/2023

Australian housing values moved through a fourth month of recovery with CoreLogic’s national Home Value Index (HVI) rising 1.1% in June,...

29/06/2023

An economists argues rate hikes disproportionately affect households with mortgage debt, exploring other options. While inflation has cooled to 5. 6 per cent in May, down from 6. 9 per cent in April