Awesome Lending Solutions

21/09/2026

Is my Home Loan Rate still competitive? Compare your loan with the lowest rate in the market to see what you could be saving.

Awesome Lending Solutions - Free Home Loan Rate Review -

02/09/2026

Falling prices are changing the balance between buyers and sellers – but the slowdown isn't affecting every property equally.

Australia's median property price fell 0.7% in July, the largest monthly decline since December 2022, according to Cotality.

Prices were down 1.9% over the July quarter.

But there's an interesting divide underneath those headline numbers.

Expensive homes are falling faster

Over the three months to July:
Upper-quartile home values fell 3.2%.
Lower-quartile values actually rose 0.3%.
Buyers remain constrained by affordability, mortgage serviceability and cost-of-living pressures, while confidence is weaker than earlier in the year.

Sellers have taken longer to adjust, although Cotality says expectations are now beginning to shift.

For buyers, softer conditions may create more negotiating room – particularly at the higher end.

For sellers, realistic pricing may become increasingly important.

Knowing your borrowing ceiling before you negotiate can be especially valuable in a shifting market. Get in touch and we can work through the numbers.

01/09/2026

An offset account should reduce your interest bill automatically – but a new ASIC review shows that's not something borrowers should simply take for granted.

ASIC, the financial services regulator, reviewed eight banks representing more than 70% of Australia's home loan market and found weaknesses in how all eight set up, monitored and managed offset accounts.

Between September 2023 and August 2025, banks paid more than $55 million in compensation for offset failures, with further compensation expected.

The problem can be hard to spot

When an offset isn't working correctly, your repayments may not change.

Instead, more of each repayment can go towards interest and less towards reducing your principal – potentially leaving you worse off without realising it.

That's why it's worth checking that your offset is properly linked to your loan and that you're receiving the interest savings you expect.

If you're unsure how your offset should be working, I can help you understand your loan structure and what to check with your lender.

See what your offset should be saving you

26/08/2026

🏡 First Home Buyers: Waiting Could Cost More Than Acting

There's an interesting change happening behind the scenes in lending.

Some lenders have increased the maximum rental yield they'll recognise when assessing loan applications. In simple terms, they're becoming more comfortable using higher rental income figures in their calculations.

What does that tell us?

It suggests lenders see ongoing strength in the rental market and are preparing for a future where rents may remain elevated.

If you're currently renting, ask yourself:

❓ What happens if rent increases again next year?
❓ How much of your income is already going towards someone else's mortgage?
❓ Would owning your own home put you in a better long-term position?

Many renters are surprised to discover they can buy sooner than they thought, especially with low-deposit options and government assistance schemes available.

📞 Before signing your next lease renewal, let's have a conversation.

Call Albert Waldron at Awesome Lending Solutions on 02 7904 9560 for a free borrowing power assessment.

The best time to start planning was yesterday. The second-best time is today.

23/08/2026

Every buyer in the property market right now

19/08/2026

31 lenders have cut their rates since June — for new customers.

That's worth knowing. Banks save their best offers for people walking in the door, not the ones already on the books. If you haven't reviewed your loan this year, there's a good chance you're sitting on a rate that's no longer their best offer — just their old one.

Here's where competitive looks right now:
📊 Average variable rate: 6.14%
📊 Lowest advertised variable rate: 5.88%
📊 Lenders under 6.04%: 25 (and rising)

It's usually a quick check to find out where you stand. Worth doing before your next few repayments go out at a rate that's had its day.

Curious where you sit? Give us a call — 02 7904 9560.

https://awesomelendingsolutions.com.au/calculators/calculator-loan-comparison/

11/08/2026

Australian

11/08/2026

The Reserve Bank of Australia (RBA) has left the cash rate unchanged at 4.35% following its August monetary policy meeting. Read the full statement here.

There are tentative signs that inflation is heading in the right direction. Annual trimmed mean inflation – the RBA’s preferred measure – held steady at 3.6% in the 12 months to June 2026, unchanged from May, according to the Australian Bureau of Statistics.

Even so, the Board is not ready to declare the job done. In a recent speech, Governor Michele Bullock warned that underlying inflation remains too high and that “some further easing in the growth of demand is likely to be required” to bring it back to target sustainably. She also noted that the full effects of this year’s cash rate rises are yet to be felt, suggesting the Board is content to let earlier increases continue to work their way through the economy before deciding on the next move.

If you’re wondering how a prolonged pause in the cash rate could affect your borrowing power or repayments, now is a good time to check in. Feel free to reach out.

01/08/2026

https://awesomelendingsolutions.com.au/is-property-investment-still-worth-it/

Thinking about buying an investment property? After all the Budget headlines about negative gearing and tax changes, it's easy to feel unsure if it still stacks up.

29/07/2026

Check that your mortgage offset account is working

Discover how Home Loan Offsets can help you pay off your mortgage faster and save on interest with our calculator.