Oxygen Home Loans

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Oxygen Home Loans

We provide quality, trustworthy advice to help you get a loan that works for you. We make the process hassle free so you can enjoy your new property.

We understand the process of getting a home loan is complicated and fraught with uncertainty and risk. Our job is to make the process as easy as possible through clear explanation and collaboration with you the entire way. As we don’t have our own products to push and we don’t charge for our services you can be assured that our advice is 100% in your best interests.

16/06/2026

The RBA on pause. Parliament hasn't passed budget legislation. But lenders have already moved.
Three things are true this week. Only one of them made the headlines.

The RBA held the cash rate at 4.35%, its first pause this year, after three straight rises. Repayments aren't going up for now. Breathe.

The Budget changes everyone's talking about include winding back negative gearing for new investors, the capital gains changes are still waiting to be made into law. The Government aims to pass it through the Senate during the sitting fortnight 22 June – 2 July 2026.

Lenders however aren’t waiting. Many have already started stripping negative gearing out of how they assess investors, and that alone is cutting investor borrowing capacity by around 20%.

If you already have a loan, some lenders are quietly cutting fixed rates saving their sharpest deals for new customers. A hold doesn't mean your rate is frozen. Worth checking yours is still competitive.

That's the part most people miss. You can wait for the RBA. You can wait for Parliament.
But the banks make their own judgements and policies, and they're already changing them.

What it means, depending on where you sit:
If you're buying: for some buyers a steady cash rate makes planning easier, and competition has eased. Get your finance sorted first, so your offer is real when the right place comes up.
If you're investing: your borrowing capacity may have dropped even though no law has changed. Worth speaking to us first before you commit to anything.
If you already have a loan: when rates sit still, lenders often save their sharpest pricing for new customers and quietly leave existing ones behind. Worth checking yours is still competitive.

So what happens next? Even the big four can't agree.
They lined up behind the same June call, rates on hold, then split completely on where things go from here.
NAB just abandoned its tip for another 25-basis-point rise, now calling 4.35% the peak and forecasting the next move to be a cut in Q2 2027. CBA and ANZ have backed an extended hold since May, with cuts starting in the second half of 2027. Westpac is the outlier — it still expects the RBA to hike in August and September, blaming stubborn inflation.
One decision. Four different roadmaps.

Which is exactly why planning beats predicting and having a broker in your corner who is up to date with the fast changing bank policy matters more to you today than what a forecast that may not hold.

If you want me to check your rate is still doing its job or look at what banks policy make impact your borrowing send a message.

02/06/2026

Loan review myth:
Many people think there’s no need to review their loan unless something major changes—but in today’s market, that’s not always the case.
Rates, policies, and opportunities evolve, and a quick review can help you understand whether your loan is still working for you.
If you’d like clarity around your options, contact an Oxygen broker for a chat.

29/05/2026

Fixed vs Variable — what does it really mean? 👇
With so much talk around interest rates, it’s no surprise this question keeps coming up.
Should you fix your rate, or stay variable?
The truth is, there’s no one-size-fits-all answer. It really comes down to your situation—how comfortable you are with repayments changing, what your plans look like, and how much flexibility you need.
When we take the time to properly talk it through, it becomes much clearer what approach makes the most sense for you.
Sometimes it’s fixed, sometimes variable—and sometimes a mix of both.
If you’d like help working through your options, reach out anytime to an Oxygen Broker.

26/05/2026

Only a small number of Australians use SMSFs… but they control almost a quarter of all super money.
Here’s what the latest stats show:
💰 SMSFs hold 24% of all superannuation assets
🏦 That’s $1,051.8 billion as at 30 June 2025
👥 Across around 1.1 million members

What does that tell us?
👉 People who choose SMSFs are building — and holding — significant long‑term wealth
👉 SMSFs aren’t just for the wealthy anymore, but the wealthy do tend to use them
👉 Australians want more control over how their super is invested
👉 SMSFs continue to grow as more people discover the flexibility they offer

If you’ve wondered whether an SMSF could give you more control or better long‑term options, this stat is a great reminder of how powerful the structure can be.
👍 Like this if you want more simple SMSF breakdowns
❓ Got a question? Drop it below — I answer every one.

Important: The information provided is general in nature and relates only to credit and lending products. It does not take into account your objectives, financial situation, or needs. Before acting on this information, you should consider whether it is appropriate for your circumstances and seek independent financial, legal, or taxation advice where necessary. Any loan application is subject to lender assessment, approval, and credit criteria. Fees, charges, terms, and conditions may apply and are subject to change. Information subject to change without notice.

ACN 103 177 377
Australian Credit Licence Number 390351

21/05/2026

What today’s rates mean
With rates expected to remain higher for longer, the focus is shifting from quick decisions to smart, long-term strategy.
Your loan should be structured to support your current needs while giving you flexibility for the future.
If you’d like to better understand your options, contact an Oxygen broker today.

19/05/2026

Guess the age of the average new SMSF member… it’s probably younger than you think!

According to the latest SMSF stats:
🟢 Median age of all SMSF members: 62
🔵 Median age of new SMSF members: 46
👥 1.1 million members in total

This shows something really interesting:
👉 Younger Australians are getting into SMSFs much earlier
👉 More people are taking control of their super long before retirement
👉 SMSFs aren’t just for people nearing retirement — they’re for planners and wealth builders

If you’ve ever wondered whether you’re “too young” or “too early” to think about an SMSF, this is your sign that more Aussies are starting sooner.
👍 Like this post if you want more easy SMSF explainers
❓ Want to know what age you should consider an SMSF? Ask below

Important: The information provided is general in nature and relates only to credit and lending products. It does not take into account your objectives, financial situation, or needs. Before acting on this information, you should consider whether it is appropriate for your circumstances and seek independent financial, legal, or taxation advice where necessary. Any loan application is subject to lender assessment, approval, and credit criteria. Fees, charges, terms, and conditions may apply and are subject to change. Information subject to change without notice.

ACN 103 177 377
Australian Credit Licence Number 390351

13/05/2026

Who has the bigger SMSF balance — men or women? The numbers might surprise you…
According to the latest stats:
💚 Women in SMSFs have an average balance of $842,000
🔵 Men in SMSFs average $973,000

And SMSFs themselves are almost evenly split:
✔ 47% female members
✔ 53% male members
✔ 1.1 million total members

What does this tell us?
👉 Both men and women are using SMSFs to build serious long‑term wealth
👉 The balance gap still exists — but it’s smaller than in many other areas of finance
👉 SMSFs give people more control, more choice, and more confidence in their retirement plans

If you’re thinking about an SMSF — or you want to make sure your super is on track — these numbers are a great starting point.
👍 Like this post if you want more easy‑to‑understand SMSF insights
❓ Got a question? Pop it in the comments — I’ll reply to every one.

Important: The information provided is general in nature and relates only to credit and lending products. It does not take into account your objectives, financial situation, or needs. Before acting on this information, you should consider whether it is appropriate for your circumstances and seek independent financial, legal, or taxation advice where necessary. Any loan application is subject to lender assessment, approval, and credit criteria. Fees, charges, terms, and conditions may apply and are subject to change. Information subject to change without notice.

ACN 103 177 377
Australian Credit Licence Number 390351

08/05/2026

With repayments under increased pressure, a loan review isn’t simply about chasing a lower rate. It’s about making sure your loan still fits your life, your priorities, and your financial goals.
As circumstances and market conditions change, the structure and features of your loan can have a real impact on cash flow, flexibility, and overall peace of mind. Taking the time to review your loan helps ensure it’s still working for you — not against you.
If you’d like a fresh look or have questions about your current setup, contact an Oxygen broker today.

05/05/2026

Most people assume SMSFs use individual trustees… but the stats tell a different story.

Here’s how SMSFs are really set up today:
📘 72% use a corporate trustee
💚 28% use individual trustees

Why does this matter?
Because more Australians are choosing the structure that gives them:
✔ More protection
✔ More flexibility
✔ Less admin when members change
✔ Fewer risks in the long run

Corporate trustees are becoming the preferred option for both brand‑new SMSFs and long‑term ones.

If you’re thinking about starting an SMSF—or switching your trustee type—this is a really important insight.
👍 Like this post if you want more simple SMSF explainers
❓ Got a question about trustee structures? Ask below and I’ll answer every one.

Important: The information provided is general in nature and relates only to credit and lending products. It does not take into account your objectives, financial situation, or needs. Before acting on this information, you should consider whether it is appropriate for your circumstances and seek independent financial, legal, or taxation advice where necessary. Any loan application is subject to lender assessment, approval, and credit criteria. Fees, charges, terms, and conditions may apply and are subject to change. Information subject to change without notice.

ACN 103 177 377
Australian Credit Licence Number 390351

05/05/2026

The RBA lifted the cash rate by 0.25% today. It now sits at 4.35%.

If you have a variable rate home loan, your repayments will likely change in the coming weeks.

Here is what happens next.
Your lender will write to you with the new rate and the new repayment amount. The change usually takes effect within a few weeks of today.

You do not need to do anything right now.

But there are a few things worth a quiet five minutes:
- Check your direct debit covers the new repayment.
- Have a look at your budget for any easy adjustments.
- If you fixed part of your loan, your fixed portion is not affected.
- If you are feeling stretched, the worst thing you can do is wait until you have missed a payment. There are options, and they all work better when used early.

If you want to talk through your loan, your repayments, or whether your current setup still suits where you are at, send me a message.

No pressure, no sales pitch. Just a conversation.
That is what I am here for.

Address

Level 7 60 Carrington Street
Sydney, NSW
2000

Website

http://www.oxygen.com.au/

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