The Loyalty Tax: How to Tell If Your Bank Charges You More Than New Customers
Key Takeaways Your bank knows exactly what it would charge a stranger walking through the door today. The question is whether that number is lower than the rate you are quietly paying on your existing home loan. The loyalty tax is the premium many long-standing borrowers pay simply for staying put, while their lender saves […]
What Is a Comparison Rate? Why the Lowest Advertised Home Loan Rate Usually Isn’t the Cheapest
Key Takeaways A low advertised rate can get attention, but the lowest interest rates on a lender page do not always show the cheapest home loan for your situation. A comparison rate brings most fees and charges into view, but it is still only part of the decision. The real cost of a home loan […]
Are Refinance Cashback Offers Worth It? A Broker’s Guide to Making the Right Call
A few thousand dollars sounds like a compelling reason to switch home loans. And if you’ve been shopping around recently, you’ve probably noticed lenders dangling cashback offers to win your business. It’s easy to see why borrowers take notice — a $2,000 to $4,000 bonus landing in your bank account after settlement feels like a […]
Mortgage Fees Explained: Application, Valuation, Settlement and the Costs You Can Negotiate
Most borrowers spend weeks comparing interest rates before they apply for a home loan. Very few spend the same energy understanding the fees attached to that loan — and that oversight can cost thousands of dollars, sometimes without the borrower even realising it. Mortgage fees are not one thing. They are a collection of charges […]
Equipment Loan Interest Rates Australia 2026: Calculator & Rate Comparison Guide
Equipment loan interest rates can vary widely between lenders, loan structures and borrower profiles. This guide explains average equipment finance rates in Australia for 2026 and shows how to use a repayment calculator to compare costs before choosing a loan.
Choosing the Right Home Loan Type: Variable vs Fixed, Interest-Only, Line of Credit for First Homes
Not sure which loan type to choose for your first home? Learn how variable, fixed, split, interest-only and line of credit loans may affect your repayments, flexibility and long-term plans so you can compare options more clearly.
Big Change in Tax Debt Rules: What Aussie Small Businesses Need to Know Now
Don’t miss our LinkedIn post where we first shared this exciting update! Are you carrying an ATO tax debt and relying on the interest to be deductible? That loophole just closed. As of 2025, interest charged by the Australian Taxation Office (ATO) is no longer tax deductible, even if you’re on a payment plan. With […]
Inflation remains within RBA’s target range…
The latest inflation data, which were recorded before the USA’s recent series of tariff announcements, show further progress in the battle against inflation, making future interest rate cuts more likely. The annual headline inflation rate fell from 2.5% in January to 2.4% in February, according to the Australian Bureau of Statistics, which was the seventh […]
What Is The Current Interest Rate For Home Loans
Finding the best home loan interest rates can significantly impact your financial future, whether you’re buying your first property or refinancing an existing loan. With options like fixed rate home loans offering predictable repayments and variable rate home loans providing flexibility, understanding how interest rates align with your needs is key. What are the current […]
Variable Home Loan Interest Rates and Trends
Unlike a fixed-rate home loan, where rates remain constant for a fixed period, variable interest rates fluctuate based on the official cash rate set by the Reserve Bank of Australia (RBA) and other market factors. These fluctuations directly impact your home loan repayments, including principal and interest repayments. Variable rate home loans often offer flexibility, […]
Interest Rates Drop to 4.1% – Homeowners & Investors Take Note
The RBA interest rate cut of 0.25% has lowered the cash rate to 4.1%, marking the first interest rate reduction since the early pandemic era. This shift comes after a period of elevated interest rates aimed at curbing inflation, and it could offer some financial relief to Australian borrowers, depending on their circumstances. RBA Governor […]
Interest Rates in Australia: Predictions for 2025 and How to Stay Mortgage-Ready
The Australian financial landscape has been anything but predictable lately. With interest rates remaining high and inflationary pressures lingering, it’s no wonder many homeowners and prospective borrowers are feeling uncertain. Common questions include: “How will this affect my mortgage?” or “What can I do to stay ahead?“ In this guide, Unconditional Finance will break down […]