Mir Sauhrid - Loan Gallery Finance

Mir Sauhrid - Loan Gallery Finance Authorised Credit Representative
number: (ACR # 515115) Australian Credit Licence (ACL # 475302)

Rate hike incoming? ๐Ÿ“ˆ๐ŸกAustraliaโ€™s interest rate outlook has shifted again, with all four major banks now forecasting tha...
23/09/2026

Rate hike incoming? ๐Ÿ“ˆ๐Ÿก

Australiaโ€™s interest rate outlook has shifted again, with all four major banks now forecasting that the RBA will lift the cash rate by 0.25% at its 29 September meeting, taking it from 4.35% to 4.60%.

The change in expectations comes amid persistent inflation, higher energy and oil prices, stronger economic activity and increasingly firm signals from the RBA.

For mortgage holders, another rate increase could mean higher monthly repayments and more pressure on household budgets.

Of course, a forecast isnโ€™t a decision. But with the next RBA announcement only days away, now could be a good time to review your current home loan rate, structure and options rather than simply waiting to see what happens.

๐Ÿ“ž 0469 838 992
๐Ÿ“ง [email protected]

Personalised finance solutions, always.

Refinance PropertyMarket AustralianProperty FinanceTips

Whether you're purchasing your first investment property or expanding your portfolio, having the right finance strategy ...
19/09/2026

Whether you're purchasing your first investment property or expanding your portfolio, having the right finance strategy is just as important as choosing the right property.

A well-structured loan can help support your long-term investment goals while giving you greater flexibility along the way.

Let's discuss your investment goals and build a strategy that works for you.

Finance approval subject to lender criteria. T&Cs apply.

Refinancing isn't just about finding a lower interest rate.Before making the switch, it's worth reviewing:โœ” Your current...
12/09/2026

Refinancing isn't just about finding a lower interest rate.

Before making the switch, it's worth reviewing:
โœ” Your current loan features
โœ” Fees and costs
โœ” Offset or redraw facilities
โœ” Your financial goals
โœ” Available lending options

A little preparation can help you make a smarter financial decision.

Need help? Let's review your loan together.

Finance approval subject to lender criteria. T&Cs apply.

05/09/2026

Before you start house hunting, consider:
๐Ÿก Your deposit
๐Ÿ’ฐ Your budget
๐Ÿ“„ Your borrowing capacity
โœ… Your finance strategy

Planning can help make your buying journey smoother and less stressful.

Tick off your finance checklist with expert support.

Finance approval subject to lender criteria. T&Cs apply.

๐‚๐จ๐ฎ๐ฅ๐ ๐ฐ๐ž ๐›๐ž ๐š๐›๐จ๐ฎ๐ญ ๐ญ๐จ ๐ฌ๐ž๐ž ๐š ๐ฌ๐ก๐ข๐Ÿ๐ญ ๐›๐š๐œ๐ค ๐ญ๐จ๐ฐ๐š๐ซ๐๐ฌ ๐ง๐ž๐ฐ ๐œ๐จ๐ง๐ฌ๐ญ๐ซ๐ฎ๐œ๐ญ๐ข๐จ๐ง?Australia needs more housing supply. Buying an establishe...
05/09/2026

๐‚๐จ๐ฎ๐ฅ๐ ๐ฐ๐ž ๐›๐ž ๐š๐›๐จ๐ฎ๐ญ ๐ญ๐จ ๐ฌ๐ž๐ž ๐š ๐ฌ๐ก๐ข๐Ÿ๐ญ ๐›๐š๐œ๐ค ๐ญ๐จ๐ฐ๐š๐ซ๐๐ฌ ๐ง๐ž๐ฐ ๐œ๐จ๐ง๐ฌ๐ญ๐ซ๐ฎ๐œ๐ญ๐ข๐จ๐ง?

Australia needs more housing supply. Buying an established property changes ownership and building a new property actually adds another home.

With the Government targeting 1.2 million new homes by 2029, it makes sense that policy would try to encourage more capital towards new construction.
But there are a few moving pieces.

Changes being applied around negative gearing and CGT could influence where investors put their money.
At the same time, construction costs, builder risk, valuations and lender policies can still make new builds more complicated than buying established.

From the finance side, Iโ€™m already seeing how differently lenders can assess the same construction project.

So Iโ€™m interested to see where this goes.

Will investors shift more towards house & land, townhouses and apartments?

Will lenders adjust their appetite if government policy increasingly favours new supply?

And ultimately, will these changes actually increase housing supply, or simply reshape the investment market?

Interested to hear what others in property, construction and finance are seeing - whatโ€™s your take?

MortgageBroker AustralianProperty

๐—–๐—ผ๐˜‚๐—น๐—ฑ ๐—ฎ๐—ป๐—ผ๐˜๐—ต๐—ฒ๐—ฟ ๐—ฟ๐—ฎ๐˜๐—ฒ ๐—ต๐—ถ๐—ธ๐—ฒ ๐—ฏ๐—ฒ ๐—ฐ๐—ผ๐—บ๐—ถ๐—ป๐—ด ๐˜€๐—ผ๐—ผ๐—ป๐—ฒ๐—ฟ ๐˜๐—ต๐—ฎ๐—ป ๐—ฒ๐˜…๐—ฝ๐—ฒ๐—ฐ๐˜๐—ฒ๐—ฑ?Australiaโ€™s major banks are starting to show where they think int...
02/09/2026

๐—–๐—ผ๐˜‚๐—น๐—ฑ ๐—ฎ๐—ป๐—ผ๐˜๐—ต๐—ฒ๐—ฟ ๐—ฟ๐—ฎ๐˜๐—ฒ ๐—ต๐—ถ๐—ธ๐—ฒ ๐—ฏ๐—ฒ ๐—ฐ๐—ผ๐—บ๐—ถ๐—ป๐—ด ๐˜€๐—ผ๐—ผ๐—ป๐—ฒ๐—ฟ ๐˜๐—ต๐—ฎ๐—ป ๐—ฒ๐˜…๐—ฝ๐—ฒ๐—ฐ๐˜๐—ฒ๐—ฑ?

Australiaโ€™s major banks are starting to show where they think interest rates could be heading next, and NAB is expecting the first move.

๐Ÿ”ด NAB: 25bp hike in September 2026 to 4.60%, with the risk of another hike in November.

๐Ÿ”ต ANZ: 25bp hike in November 2026 to 4.60%.

๐ŸŸก CommBank: Also expects a 25bp hike in November 2026 to 4.60%.

๐ŸŸฃ Westpac: Taking a different view further out, forecasting two 25bp cuts in August and December 2027, potentially bringing the cash rate down to 3.85%.

Of course, these are forecasts, not guarantees. But theyโ€™re a useful reminder that the interest rate environment can change quickly.

If you have a home loan, are looking to refinance, or are planning to buy, understanding how different rate scenarios affect your repayments and borrowing capacity is more important than trying to predict the exact next move.

Stay informed. Plan ahead.

Personalised finance solutions, always.

29/08/2026

Small financial habits can make a big difference over time.

โœ” Make extra repayments whenever possible
โœ” Use an offset account effectively
โœ” Review your home loan regularly

These simple steps could help reduce the amount of interest you pay over the life of your loan.

Let's create a strategy that supports your financial goals.

Finance approval subject to lender criteria. T&Cs apply.

๐Ÿก ๐€๐ซ๐ž ๐ฒ๐จ๐ฎ ๐ž๐ฏ๐ž๐ซ โ€œ๐ญ๐จ๐จ ๐จ๐ฅ๐โ€ ๐Ÿ๐จ๐ซ ๐š ๐Ÿ‘๐ŸŽ-๐ฒ๐ž๐š๐ซ ๐ก๐จ๐ฆ๐ž ๐ฅ๐จ๐š๐ง?A common misconception I come across as a mortgage broker is that buyin...
28/08/2026

๐Ÿก ๐€๐ซ๐ž ๐ฒ๐จ๐ฎ ๐ž๐ฏ๐ž๐ซ โ€œ๐ญ๐จ๐จ ๐จ๐ฅ๐โ€ ๐Ÿ๐จ๐ซ ๐š ๐Ÿ‘๐ŸŽ-๐ฒ๐ž๐š๐ซ ๐ก๐จ๐ฆ๐ž ๐ฅ๐จ๐š๐ง?

A common misconception I come across as a mortgage broker is that buying later in life automatically means a shorter loan term.

Thatโ€™s not always the case.

For mature-age borrowers, itโ€™s about understanding the customerโ€™s needs, keeping Best Interests Duty front of mind, and developing a realistic exit strategy.

If someone intends to keep working, we can calculate the expected loan balance at retirement and assess whether strategies such as downsizing could comfortably clear the remaining debt while leaving sufficient equity for future housing needs.

A longer loan term can make a significant difference to repayments and borrowing capacity, but it must be appropriate for the customerโ€™s circumstances and future plans.

Every lender approaches this differently. Age alone doesnโ€™t necessarily close the door. The right structure and a well-considered strategy can make all the difference.

22/08/2026

Interest rate movements don't always mean you need to make immediate changesโ€”but they are a great reason to review your home loan.

Taking the time to understand your options can help you stay ahead and ensure your loan still suits your financial situation.

Let's explore the best option for your circumstances.

Finance approval subject to lender criteria. T&Cs apply.

๐Ÿก A little-known servicing option for First Home BuyersPlanning to have a friend, family member or housemate live with y...
20/08/2026

๐Ÿก A little-known servicing option for First Home Buyers

Planning to have a friend, family member or housemate live with you after you buy?

With CBA, eligible buyers under the Home Guarantee Scheme may be able to use income received from a boarder as part of their home loan servicing.

Itโ€™s a small policy detail that could potentially make a big difference to borrowing capacity for the right buyer.

There are conditions around how it can be used, so itโ€™s worth checking your individual scenario before ruling out your options.

๐Ÿ“ฉ Message me if youโ€™d like me to run the numbers for you.

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