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| Bit of a curveball from the RBA this week – despite growing expectations of a cut, they’ve held the cash rate steady at 3.85%. But that’s not necessarily bad news. RBA Governor Michele Bullock has made it clear: cuts are still likely, it’s just a matter of timing.
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The economy’s losing steam – growth is flat, household spending is slowing, and inflation is easing.
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The RBA’s playing it safe, likely waiting for quarterly inflation data due later this month.
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Global jitters – ongoing tariff tensions and recession fears are keeping markets on edge.
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Rate cuts are still on the horizon – analysts now expect moves in August, November, and February 2026.
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Some banks forecast the cash rate could fall to around 2.85% by mid-2026, down from today’s 3.85%.
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| For more on the latest RBA decision, click here.
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| What could potential cuts mean for you?
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| Lower repayments, sharper fixed rates, and fresh opportunities to refinance or buy. For instance, on a $650K principal and interest loan over 30 years, reducing your rate from 6.25% to 5.69% p.a. could mean saving around $230/month.
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| With opportunities brewing, now’s a smart time to reassess your loan. Whether you’re planning a move or just want to make sure you’re in the best position, I can help you structure things to take full advantage of what’s ahead.
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| First-home buyers are making moves:
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| Lending to first-time buyers jumped 16% between February and April, with the biggest increases in VIC, WA, and QLD.
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| Many are taking the rentvesting route – buying where they can afford, and renting where they want to live.
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ABS reports a 12% rise in investment loans by first-home buyers in the past year.
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NAB has seen a 10% lift in rentvestors, especially in NSW and WA.
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| Thinking about this path (or know someone who is)? Let’s explore smart ways to finance it – without stretching your budget.
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| Struggling with a deposit? You’ve got options.
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| From 1 July 2025 to 30 June 2026, the Federal Government’s Home Guarantee Scheme offers 50,000 places, including:
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35,000 places for the First Home Guarantee
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10,000 places for the Regional First Home Guarantee
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5,000 places for the Family Home Guarantee
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| Learn more about the scheme here.
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| Plus, new government schemes are on the horizon, opening doors for first-home buyers:
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Home Guarantee Scheme – coming 1 January 2026.
Buy a new or existing home with just a 5% deposit and no annual cap on how many can apply.
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Help to Buy – launching later this year.
A shared equity scheme helps eligible buyers purchase with just 2% deposit, with the government chipping in up to 40% of the purchase price!
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| Check out more ways to get into your first home here.
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| Not sure what you qualify for? Let’s check your eligibility together.
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| New financial year, fresh start for business owners
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| Now’s the perfect time to reset and plan for growth.
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| Here’s how I can help:
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Business loans and asset finance.
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Debt consolidation to simplify repayments.
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Self-employed lending using BAS or bank statements.
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Rate strategy and smart leasing decisions.
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| Let’s make this your strongest year yet!
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| Whether you’re buying, refinancing, investing, or growing your business, I’m here to help you make smart, confident moves.
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| Book your finance review today and make the most of the opportunities ahead.
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Warm regards,
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