Sewa Sandhu - Real Estate

05/05/2026

RBA Interest Rate Update: What It Means for Homeowners
The Reserve Bank of Australia (RBA) has announced a further increase to the official cash rate today, May 5, 2026. As the market adjusts, staying informed is the best way to navigate your property journey.
The Key Takeaways
• New Cash Rate: The official rate has moved to 4.35%.
• The Change: This is a 0.25 percentage point increase from the previous 4.10%.
• 2026 Trend: This is the third consecutive rise this year.
• The Impact: On a $600,000 mortgage, monthly repayments could increase by roughly $91.
Why the Change?
The RBA Board’s decision, which saw eight out of nine members vote in favor of the hike, is aimed at addressing high inflation and the rising cost of fuel. This move brings the cash rate back to levels last seen in February 2025.
What This Means for You
Whether you are looking to sell, buy, or are simply managing your current mortgage, these shifts are an important part of the landscape.
• For Buyers: Understanding your updated borrowing capacity is essential before heading to your next inspection.
• For Sellers: Buyers are becoming more calculated; ensuring your property is positioned correctly is more important than ever.
Have questions about the local market or your property's value? Send us a message today for a confidential chat.

17/03/2026

🚨 Interest Rates Up Again – What Should You Do in Melbourne?

Interest rates are rising. Fuel prices are unstable.
Market is shifting — not crashing.

People don’t lose money because of rates…
They lose money because of wrong decisions.

So what should you do?

BUY (if ready)
– Stable income + deposit
– Less competition = better deals
– Good time for long-term entry

HOLD (most people)
– Don’t panic sell
– Rents are rising
– Property is a long-term game

SELL (only if needed)
– Financial pressure
– Wrong property choice
– Sell with strategy, not emotion

Fuel + inflation high = rates may stay high longer

Market outlook
– Prices stable or slight growth
– Smart buyers will benefit

Bottom line
Confusion is normal
But staying confused is dangerous

03/02/2026

Advice from Sewa G Sandhu Real Estate for 2026 in Melbourne Australia;

• Don’t buy emotionally
• Don’t sell emotionally
• Don’t believe WhatsApp experts
• Strategy beats fear — always

Every buyer & seller’s situation is different. Headlines don’t know your numbers; I do.

Thinking of buying or selling?
Let’s talk facts, not fear.

Real talk. Real strategy. Real outcomes.

21/01/2026

🏡 Smart Investment. Prime Location. Strong Upside.

📍 45 Spring Street, Geelong West VIC 3218

If you’re looking for a low-maintenance, high-potential townhouse in one of Geelong’s most tightly held suburbs, this one deserves your attention.

✔️ Blue-chip Geelong West location
✔️ Ideal for first-home buyers, downsizers, or investors
✔️ Walking distance to Pakington Street cafés, schools & transport
✔️ Strong rental demand and long-term capital growth outlook

This property ticks the boxes for lifestyle today and value tomorrow. Opportunities like this don’t sit around — the market rewards decisive action.

👉 View full details here:
🔗 https://www.realestate.com.au/property-townhouse-vic-geelong+west-150063736

📞 If you want straight-talk advice, market insight, or help securing the right deal, reach out. Let’s move with clarity and confidence.

Proudly represented by Grow High Real Estate An impressive renovation hits the mark as a statement in style, design and lifestyle comfort. This double-storey newly renovated four bedroom and three bathroom residence on a light-filled corner allotment has been brilliantly renovated to deliver an exce...

13/12/2025

𝐇𝐨𝐦𝐞 𝐋𝐨𝐚𝐧 𝐔𝐩𝐝𝐚𝐭𝐞: 𝐖𝐡𝐚𝐭 𝐖𝐞𝐬𝐭𝐩𝐚𝐜’𝐬 𝐑𝐚𝐭𝐞 𝐌𝐨𝐯𝐞 𝐑𝐞𝐚𝐥𝐥𝐲 𝐌𝐞𝐚𝐧𝐬 𝐟𝐨𝐫 𝐇𝐨𝐦𝐞𝐨𝐰𝐧𝐞𝐫𝐬

You may have seen recent headlines about Westpac increasing home loan rates by up to 0.35%.

𝐇𝐞𝐫𝐞’𝐬 𝐭𝐡𝐞 𝐜𝐥𝐚𝐫𝐢𝐭𝐲 𝐦𝐨𝐬𝐭 𝐩𝐞𝐨𝐩𝐥𝐞 𝐦𝐢𝐬𝐬 👇

🔹 This increase mainly affects fixed-rate home loans, not all variable loans
🔹 It reflects bank funding costs and future market expectations, not an immediate RBA decision
🔹 It’s a signal, not a crisis — but smart households should respond early

𝐖𝐡𝐚𝐭 𝐡𝐨𝐦𝐞𝐨𝐰𝐧𝐞𝐫𝐬 𝐜𝐚𝐧 𝐝𝐨 𝐫𝐢𝐠𝐡𝐭 𝐧𝐨𝐰 𝐭𝐨 𝐩𝐫𝐨𝐭𝐞𝐜𝐭 𝐜𝐚𝐬𝐡 𝐟𝐥𝐨𝐰:

✅ Check your loan type
Know whether you’re fixed, variable, or split and when any fixed term ends.

✅ Use your offset account properly
Money sitting in offset reduces interest immediately. It’s one of the safest “returns” available.

✅ Request a rate review
Banks often adjust rates only when asked. Loyalty doesn’t get rewarded; follow-up does.

✅ Make small extra repayments
Even $20–$50 per week can soften future rate pressure over time.

✅ Build a repayment buffer
Aim for 1–3 months of loan repayments set aside. This creates peace of mind if rates or income change.

💡 The big picture:
No one can perfectly predict what the RBA will do in 2026. The smartest move isn’t guessing; it’s reducing exposure and strengthening your position now.

If you want more updates like this or a simple checklist to review your home loan position, stay connected.

𝐆𝐞𝐧𝐞𝐫𝐚𝐥 𝐢𝐧𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧 𝐨𝐧𝐥𝐲; 𝐧𝐨𝐭 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐚𝐝𝐯𝐢𝐜𝐞.

21/11/2025

UNDERQUOTING LAWS IN VICTORIA HAVE CHANGED — EVERY BUYER & SELLER SHOULD KNOW THIS

Victoria has introduced some of the strictest underquoting reforms in Australia, sending a clear message: the property market must be fair, transparent, and accountable.

Here’s the simplified breakdown so you stay ahead of the curve 👇

1. Reserve Price Must Be Published 7 Days Before Auction
• Agents must disclose the exact reserve a full week before auction day.
• No more last-minute reserve “adjustments” to catch buyers off-guard.

2. Price Guides Must Be Honest & Evidence-Based
• Advertised price ranges must reflect the true expected selling price.
• No unrealistic “bait prices” or vague “$800k+” style ranges.

3. One Price, Everywhere
• The price guide must match the reserve across all marketing:
✔️ Online ads
✔️ Signboards
✔️ Brochures
✔️ Portals
• Any updates must be instant and consistent.

4. Serious Penalties for Non-Compliance
• Underquoting now attracts heavier fines and tougher enforcement.
• Repeat offenders risk licence suspension or stronger disciplinary action.

5. Designed to Protect Buyers & Sellers
• Buyers: clear expectations, less wasted time, and more trust in the process.
• Sellers: fair competition, improved transparency, and industry credibility.

Why this matters right now !

Regulators across Australia have been cracking down hard.
Recent investigations (like the case shown in the image) exposed:
• Underquoting across 100+ properties
• Dummy bidding
• False documents
• High-pressure sales tactics

These new Victorian laws aim to eliminate exactly this behaviour.

Whether you’re buying or selling, understanding these changes gives you a strategic advantage.
A transparent market benefits everyone and staying informed keeps you in control.

If you’d like a personalised explanation for your situation, just message me.
Happy to guide you through it with no jargon and no pressure.

03/11/2025

🏡 Your Dream Home Awaits in Tarneit! 🌟
Looking for the perfect family home in one of Melbourne’s most loved suburbs?
This stunning 4-bedroom, 2-bathroom modern home offers everything you need — spacious living areas, stylish interiors, and a location surrounded by parks, schools, and shopping conveniences.

✨ Features include:
✅ Open-plan living and dining
✅ Designer kitchen with quality appliances
✅ Master bedroom with ensuite
✅ Double garage & low-maintenance yard
✅ Prime Tarneit location

📍 Explore more details here:
👉 https://www.realestate.com.au/property-house-vic-tarneit-149520848

📞 Contact Sewa G Sandhu today to make a deal!
💼 Professional. Honest. Results-driven.

77 Butterfly Boulevard, Tarneit VIC 3029Presented by Grow High Real Estate | Call 03 8842 7750Step into this modern family home, designed for comfort, convenience, and effortless living. Perfectly located in a sought-after suburb, this property is ready for you to move in and start enj...

12/08/2025

📉 RBA Expected to Cut Interest Rates Again 🏡💰

The Reserve Bank of Australia is tipped to make its third interest rate cut, with economists predicting a 25 basis point drop — bringing the cash rate down from 3.85% to 3.60%.

This follows the RBA’s decision to hold rates steady in July, even as inflation continues to ease. According to a new Finder survey, 91% of experts believe a cut is on the way after this week’s meeting.

💡 What this means for you:
• Buyers: Lower rates can improve borrowing capacity and make entering the market more affordable.
• Investors: Great time to review your portfolio and financing options.
• Homeowners: A rate cut could mean reduced mortgage repayments.

📲 Contact Sewa G Sandhu for honest, market-savvy advice on how to make the most of these changes.

📞 0428 477 477

20/05/2025

You can estimate how much your home loan repayments may decrease with our home loan repayments calculator: https://www.commbank.com.au/digital/home-buying/calculator/home-loan-repayments

After the new home loan rates are effective and if you’re eligible, you can reduce your home loan repayments in line with the rate reduction in the CommBank app or NetBank. You can also align your home loan repayments to when and how often you are paid.
We have a range of support materials available for you including tips for you to manage your home loan in the current rate environment: https://www.commbank.com.au/articles/home-loans/choosing-home-loan-in-changing-rate-environment.html

You can message us in the CommBank app for a quick response or to connect with a specialist.

If you are concerned about your financial situation, message us at any time and we will connect you with our Financial Assistance Solutions Team. We also encourage you to speak with us about how we can support you via our extensive network of lending specialists.

20/05/2025

𝐁𝐫𝐞𝐚𝐤𝐢𝐧𝐠 𝐍𝐞𝐰𝐬: 𝐑𝐁𝐀 𝐂𝐮𝐭𝐬 𝐈𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐑𝐚𝐭𝐞𝐬 𝐭𝐨 𝟑.𝟖𝟓%!
𝐖𝐡𝐚𝐭 𝐝𝐨𝐞𝐬 𝐭𝐡𝐢𝐬 𝐦𝐞𝐚𝐧 𝐟𝐨𝐫 𝐲𝐨𝐮?

If you’re a 𝐛𝐮𝐲𝐞𝐫, this could 𝐛𝐨𝐨𝐬𝐭 𝐲𝐨𝐮𝐫 𝐥𝐨𝐚𝐧 𝐚𝐩𝐩𝐫𝐨𝐯𝐚𝐥 𝐜𝐡𝐚𝐧𝐜𝐞𝐬.
If you’re a 𝐬𝐞𝐥𝐥𝐞𝐫, this may 𝐢𝐧𝐜𝐫𝐞𝐚𝐬𝐞 𝐛𝐮𝐲𝐞𝐫 𝐝𝐞𝐦𝐚𝐧𝐝 for your property.

𝐍𝐨𝐰 𝐢𝐬 𝐭𝐡𝐞 𝐭𝐢𝐦𝐞 𝐭𝐨 𝐚𝐜𝐭!
𝐆𝐞𝐭 𝐞𝐱𝐩𝐞𝐫𝐭 𝐠𝐮𝐢𝐝𝐚𝐧𝐜𝐞 𝐟𝐫𝐨𝐦 𝐬𝐨𝐦𝐞𝐨𝐧𝐞 𝐰𝐡𝐨 𝐮𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐬 𝐭𝐡𝐞 𝐦𝐚𝐫𝐤𝐞𝐭 𝐚𝐧𝐝 𝐲𝐨𝐮𝐫 𝐠𝐨𝐚𝐥𝐬.

𝐂𝐚𝐥𝐥 𝐒𝐞𝐰𝐚 G 𝐒𝐚𝐧𝐝𝐡𝐮 0428 477 477
𝐋𝐞𝐭’𝐬 𝐦𝐚𝐤𝐞 𝐬𝐦𝐚𝐫𝐭 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐦𝐨𝐯𝐞𝐬 𝐭𝐨𝐠𝐞𝐭𝐡𝐞𝐫.