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Latest from Insights
Automated roll-up of published posts matching Strategy categories (newest first).
The RBA left the cash rate at 4.35% on 11 August 2026 — unanimous, with hikes still on the table. A hold is not a freeze on your home loan rate. Here is what the Board said, why it matters, and how to engineer a better deal now.
Softer June CPI (3.8%, trimmed mean still 3.6%) pushed August hike odds down and major bank economists toward a hold. That is research commentary — not a free pass on your rate, retention gap, or term-for-term refinance maths.
ABS June 2026 CPI: annual inflation 3.8%, trimmed mean still 3.6%. A day after Governor Bullock left further cash-rate rises on the table, here is a practical mortgage checklist for the 13 days to the 11 August RBA decision.
Roy Morgan puts 30.3% of mortgage holders (about 1.61 million people) “at risk” of mortgage stress in the three months to June 2026 — the fifth straight monthly rise. Here is what that measure means, what an August cash-rate move would change, and a practical checklist for your loan before CPI and the RBA Board meeting.
- June-quarter CPI drops 29 July — your mortgage playbook before the August RBA (Australia 2026)
Strategy
Cash rate is 4.35% after June's hold — but June-quarter CPI lands 29 July and the RBA meets 11 August. With trimmed mean inflation sticky at 3.6%, here is what buyers and mortgage holders should do in the next five weeks.
The RBA held the cash rate at 4.35% on 16 June 2026 — but the Board explicitly left further hikes on the table while inflation stays above target. Here is the broker-grade breakdown with primary RBA sources, what still moves on your home loan, and a practical household checklist.
Most overpayment calculators model one lever. This guide walks through stacking frequency, weekly extras, offset, annual lump sums, and a rate review in the Australian payoff hub — with fixed-rate caps and compliance notes.
“Pay off in 10 years” sounds great in a headline — but on a typical Australian mortgage it requires a large surplus, a sharp rate, or both. Here’s the income-to-repayment maths, what actually moves the needle, and when to use the payoff playground instead of wishful thinking.
With 30 June approaching, lenders tighten how they read bank statements, tax refunds land, and refinance files stall on messy paperwork. Here is a practical EOFY checklist for homeowners, first home buyers, investors, and self-employed borrowers — with free tools on Azure Home Loans.
Minimum wage, tax cuts, paid parental leave, HECS thresholds, Help to Buy limits, ACT stamp duty, Medicare Levy Surcharge and more — a sourced guide to every 1 July 2026 change that can shift your borrowing power, repayments, or deposit maths.
Your EOFY tax refund lands once a year — and what you do with it on a $500k mortgage can save $15,000+ in interest or disappear in a fortnight. Here's how to choose between offset, lump sum, and keeping cash, with modelled numbers.
Cost-of-living pressure has made $50 a week feel like a lot — but on a typical Australian mortgage it's a quiet financial superpower. Here's the math on $50/week, $100/week, and $200/week extras across $400k, $500k, and $600k loans, plus the hidden traps to avoid.