Mortgage Choice in Carindale - Derek McLeod

19/06/2026

The new financial year is right around the corner. 🗓️

It’s the perfect time to set your property and finance goals for the next 12 months.
We can help you with a range of lending services, including:
-Reviewing your current home loan
-Upgrading your car
-Purchasing a new vehicle.
Book an appointment today to start the new year on the right financial foot.

16/06/2026

At its June meeting, the Reserve Bank of Australia has held the cash rate steady at 4.35%.

With inflation still sitting above target and fuel prices elevated amid Middle East tensions (hopefully easing soon), the decision to pause comes as the RBA takes time to assess the impact of previous rate hikes.

The hold was widely expected, but it doesn’t necessarily mean we’re out of the woods just yet.

We’ll be watching closely to see how lenders respond in the coming days. It’s still a good time to review your loan and make sure you’re on a competitive rate and structure.

If you have questions about your repayments or next steps, I'm here to help 🤝

Call me on 07 3398 8044 or book online: http://bit.ly/MCCarindale-BookOnline

10/06/2026

There’s been a lot of noise around the Federal Budget and property… but right now, nothing’s locked in...yet.

I’ve put together a quick take on what it might mean (and why it may not change as much as people expect), plus a solid breakdown from another Australian industry expert.

Read it here:
https://bit.ly/DMcLeod_BudgetNoiseVsReality

I’ll dive deeper next month once we know what actually gets across the line.

Federal Budget has implications across the economy, & property is just one piece of that puzzle. Here's a current take & an article I'm recommending...

05/06/2026

If your budget is feeling the pinch with rising fuel prices and you’re considering a more environmentally and budget-friendly car, an electric vehicle could be a good fit.

With EOFY right around the corner, now’s the perfect time to look at electric vehicle options, including potential Fringe Benefit Tax exemptions and lower, ‘green’ interest rates.

Reach out today to get started.

03/06/2026

There’s been a lot of noise around the Federal Budget and what it might mean for property, but all of these changes still need to be legislated.

This article is certainly worth a read from property expert Michael Matusik, on who the real winners could be:
https://matusik.substack.com/p/budget-night-the-real-winners

I'll be compiling a bit of commentary on this, which I'll share in the coming week... and will go into much more detail in my blog next month once we know what actually gets across the line.

Stay tuned!

Another free post. And the second in my budget series...

28/05/2026

📅 The end of financial year is just around the corner... but it doesn’t have to be all receipts and tax-time stress!

Here are a few ways to make EOFY 2026 work harder for you:
✔️ Hold off on big household buys until EOFY sales hit – it's a great time to grab a bargain.
✔️ Take 10 mins to review your home loan. With rates still shifting, refinancing could save you serious money.
✔️ Got multiple debts? Let’s chat about consolidation – it could simplify your finances and cut down interest.
✔️ Check in on your spending over the last 12 months – spotting trends could unlock real savings.
✔️ 𝑩𝒖𝒔𝒊𝒏𝒆𝒔𝒔 𝒐𝒘𝒏𝒆𝒓? Now’s the time to review your lending, equipment finance, and cash flow setup. Smart EOFY planning can ease tax time and set you up for growth in the new financial year.

If you're keen to get ahead, I’m just a phone call away and happy to chat.

Call 07 3398 8044 or book online: http://bit.ly/MCCarindale-BookOnline

27/05/2026

I’ve been getting asked a lot lately... “Should I wait until I find a property before sorting finance?”

Short answer… probably not.

With the way things are sitting right now, being prepared is what gives you the edge. A solid pre-approval isn’t just a number; it’s clarity, confidence, and the ability to actually move when the right place pops up.

I’ve broken it down in my latest blog – what pre-approval really means, where it can go wrong, and why it matters more than ever in 2026.

Have a read here 👇
https://bit.ly/MCDerekMcLeod-PreApprovalMatters

If you’re thinking about buying in the next few months, getting your pre-approval sorted early is one of the smartest moves you can make.

13/05/2026

The 2026–27 Federal Budget was handed down on Tuesday night by Treasurer Jim Chalmers, with a focus on cost-of-living relief and investment tax structures, including changes to negative gearing and capital gains tax.

To learn more about what this year’s budget means for homeowners, buyers and investors, read Mortgage Choice's expert analysis here:
🔗 https://bit.ly/FedBudget26-MCDerekMcLeod

If you have questions, I'm here to help 🤝

Call me on 07 3398 8044 or book online: http://bit.ly/MCCarindale-BookOnline

09/05/2026

Still definitely one of my favourite photos...😊

Happy Mother’s Day to the amazing mums, carers and mother figures who do so much for us every day 💐

Wishing you a day filled with lots of love and a chance to relax.

05/05/2026

🚨 RBA Update 🚨
At its May meeting, the Reserve Bank of Australia has lifted the cash rate by 0.25% to 4.35%.

With inflation still proving stubborn and fuel prices staying elevated amid ongoing Middle East tensions, the RBA has continued its push to bring price growth under control.
While the move was largely expected, it’s still a tough one for mortgage holders.

We’ll be watching closely to see how lenders respond in the coming days. In the meantime, it’s a timely reminder to review your loan and make sure you’re still on the right rate and structure.

If you have questions about your repayments or next steps, I’m here to help 🤝

Call me on 07 3398 8044 or book online: http://bit.ly/MCCarindale-BookOnline