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Insights

What the rate moves mean for you

Written by our brokers with current market data - rates cited from official sources, correct as at 4 July 2026.

Latest · RBA & Rates

RBA Cash Rate Update - July 2026: What It Means for Your Mortgage

The RBA held the cash rate at 4.35% in June 2026 after three hikes. What the pause means for your repayments, and how to prepare before August.

Daniel Reeves · 4 July 2026 · 6 min read

Rate Comparisons

Big Four Bank Home Loan Rates Compared - July 2026

CBA, Westpac, NAB and ANZ home loan rates compared for July 2026 - plus Macquarie as a benchmark, comparison-rate traps, and where a broker can beat the banks.

Mei Chen · 3 July 2026 · 6 min read

Loan Strategy

Fixed vs Variable in 2026: How to Decide

With the RBA at 4.35% and some fixed rates now below variable, here's how to weigh fixing, staying variable, or splitting your home loan in 2026.

James Whitfield · 1 July 2026 · 6 min read

Refinancing

Refinancing in 2026: When It's Worth Switching

Three RBA hikes have widened the loyalty tax. See when refinancing pays off in 2026, the break-even maths, and when staying put is smarter.

Daniel Reeves · 29 June 2026 · 6 min read

First Home Buyers

First Home Buyer Guide for NSW: Grants, Stamp Duty & Deposits

Your 2026 guide to buying a first home in NSW: stamp duty exemptions, the $10,000 grant, 5% deposit schemes and a step-by-step path to your keys.

Sofia Marino · 26 June 2026 · 6 min read

Borrowing Power

How Much Can I Borrow? Understanding Serviceability in the Current Rate Environment

How Australian lenders calculate borrowing power in 2026: the 3% APRA buffer, HEM expenses, credit card limits and the levers that lift your capacity.

Mei Chen · 24 June 2026 · 6 min read

Property Investment

Property Investing in 2026: Higher Rates, Softer Prices, Real Opportunity

Prices are softening while most buyers sit out. Why mid-2026 may suit prepared property investors, with current investor rates and a cash-flow example.

James Whitfield · 21 June 2026 · 6 min read

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