Latest RBA Interest Rate Announcement and History
View our full summary and access the RBA statement.
Read article →10 articles
Mortgage Broking
Home loans, refinancing, interest rates and borrowing strategies for owner-occupiers and investors.
View our Mortgage Broking service →Helping your kids into property after the 2026-27 Budget
Rising prices and the Budget's negative gearing and CGT changes have shifted how parents can help adult children into a home. Here are the practical ways to help, and how to do each one without creating a family problem.
Interest rates 101: what moves them and what reaches your loan
The RBA sets one rate. Your lender sets another. The distance between them explains why a cut doesn't always reach your repayment, and why your savings account moves at a different pace again.
Your home loan was declined: what happened and what to do next
A knock-back usually isn't about you. It's about how one lender read your file against one set of rules. Here's what drives the decision, what to fix first, and the mistake that makes the next application harder.
Mortgage broker or bank: what changes when you use a broker
Most people start their home loan search at the bank they already use. It's a reasonable instinct, but it gives you one lender's view of what you can borrow. Here's what a broker does differently, who pays them, and when going direct still makes sense.
Your fixed rate is expiring: what to do before it rolls over
When a fixed term ends, most loans roll onto the lender's revert rate, which is rarely their best offer. Here's the timeline to work to, the four options you have, and the mistake that costs borrowers the most.
When refinancing your home loan is worth it, and when it isn't
Refinancing gets sold as a rate chase, but the rate is only one of five reasons to move a loan, and sometimes the better move is to stay. Here's how to work out which applies to you.
Variations of debt recycling strategies
Debt recycling isn't a single strategy. It has variations from plain vanilla to property-with-a-trust. A guide to the main approaches and where each one fits.
Debt Recycling – A Strategy for Every Market
With interest rates at elevated levels, achieving financial success may seem challenging. However, there are strategies that remain effective regardless of market conditions. One such strategy is Debt Recycling.
Debt recycling: turning your mortgage into a tax-efficient investment strategy
Debt recycling is one of the most powerful wealth-building strategies available to Australian homeowners, yet it's widely misunderstood. This guide explains how it works, who it suits, and the risks you need to understand.
Questions about mortgage broking?
Book a free initial consultation with an AGS adviser. No obligation, just an honest conversation.