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How Lower Interest Rates Impact Your Mortgage: A Guide for Australian Families

How Lower Interest Rates Impact Your Mortgage: A Guide for Australian Families

by growwell | May 29, 2025 | Mortgage Broking

In today’s changing economic climate, lower interest rates set by the Reserve Bank of Australia (RBA) can have a significant impact on household budgets across the country. At Grow Well Financial, we know that when rates fall, homeowners and first-time buyers...

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Before the silly season starts - give your money a Before the silly season starts - give your money a tidy-up. You don’t need a massive overhaul to feel financially well - just a few small tweaks that bring clarity and calm. Here are 5 simple ways to start: 1️⃣ Review subscriptions 2️⃣ Check your interest rate 3️⃣ Set up auto-transfers 4️⃣ Clean up your tax file 5️⃣ Plan ahead for holiday spending A little prep now saves a lot of stress later. 💬 Which one will you tick off this weekend? #FinancialWellness #FinanceMadeSimple #GrowWellFinancial #MoneyConfidence #MortgageBrokerBrisbane #FinanceWithHeart #SpringCleanYourFinances #FinancialClarity #SmartMoneyMoves
Money stress is real - but it doesn’t have to co Money stress is real - but it doesn’t have to control your life. When you take small, consistent steps - awareness, structure, and support - you build calm and confidence around money. Start here 👇 1️⃣ Know your numbers 2️⃣ Separate business + personal 3️⃣ Automate what you can 4️⃣ Get help early 5️⃣ Celebrate small wins The goal isn’t perfection - it’s preparedness. Which one will you start with this week? #financialwellnes #growwellfinancial #financemadesimple #moneyconfidence #mortgagebrokerbrisbane #financewithheart #ᴍᴏɴᴇʏᴍɪɴᴅsᴇᴛ #businessfinancetips #financialclarity
Let’s talk about redraw - one of the most misund Let’s talk about redraw - one of the most misunderstood home loan features. If you’re making extra repayments on your loan, redraw lets you access that surplus later if you need it. 💡 Example: Your monthly repayment is $2,000, but you pay $2,500. That extra $500 builds up in your loan account - and redraw means you can request it back anytime. It’s handy in an emergency or when you need a quick cash injection 💸 But remember - it’s not the same as an offset account, which keeps your funds completely separate and easier to access. Want to know which option suits you better? Let’s chat about your loan strategy. #FinanceMadeSimple #HomeLoanTips #GrowWellFinancial #MortgageBrokerAustralia #RedrawVsOffset #MoneyEducation #SmartMoneyMoves #HomeLoanHelp #FinanceExplained #FinancialWellness
Before you start house hunting, you need to know w Before you start house hunting, you need to know what the bank actually looks at when deciding how much to lend you. It comes down to two main factors: 1️⃣ Borrowing Capacity - based on your income and expenses. That includes wages, business income, rental income, even family tax or disability payments. 2️⃣ Funding Position - your savings. The bank wants to see you can save consistently - it shows you can handle repayments. The magic happens when these two work together. Strong income + healthy savings = strong application 💪 Want to know how much you can really borrow? Let’s crunch the numbers and find out what’s possible. #FinanceMadeSimple #HomeLoanTips #GrowWellFinancial #MortgageBrokerAustralia #BorrowingPower #HomeBuyingJourney #MoneyMadeSimple #FinanceEducation #SmartMoneyMoves #FinancialWellness
Most business owners think accounting = wealth. B Most business owners think accounting = wealth. But compliance and strategy are two very different things. Your accountant helps you report what happened. I help you plan what’s next. ✅ Turn your profit into a freedom fund ✅ Build assets while reducing tax legally ✅ Stop letting “small” expenses kill your long-term potential If you’re ready to stop managing your business and start leveraging it - it’s time to upgrade the conversation. 📲 DM me “wealth” and let’s talk strategy. #BusinessFinance #GrowWellFinancial #WealthStrategy #MoneyMadeSimple #FinanceBrokerAustralia #SmallBusinessTips #TaxPlanning #FinancialFreedom #BusinessWealth #smartmoneymoves
It’s one of my favourite client wins - because i It’s one of my favourite client wins - because it shows what’s really possible when you run your business like a borrower, not just an owner. ✅ Registered ABN + GST ✅ Clean business accounts ✅ Right entity setup ✅ Consistent income ✅ Smart, comfortable repayments It wasn’t luck. It was strategy. And now? She’s living in her dream home. If you’re self-employed and ready to invest, it’s time to get your business lender-ready. Let’s make your financials work for you - not against you. 📲 DM me “structure” and I’ll show you where to start. #FinanceMadeSimple #BusinessFinanceStrategy #SelfEmployedSuccess #MortgageBrokerAustralia #GrowWellFinancial #LenderReady #HomeLoanTips #SmallBusinessFinance #FinancialWellness #propertygoals

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Grow Well Financial Pty Ltd , ABN 63 647 350 445. Credit Representative 529592 is authorised under Australian Credit Licence 389328.

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