Mortgage broking articles & tips

How Much More Will Mortgage Repayments Increase in Australia?

The Reserve Bank has now delivered three rate hikes in 2026, and for many Australians, the impact is starting to show. With interest rates, fuel costs and broader inflationary pressures continuing to shift, households are asking a very real question: How much more am I actually paying on my mortgage? As discussed in our latest RBA updat...

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(LIVE) RBA May 2026 | Why This May Not Be the Last Rate Hike

In its May meeting, the Reserve Bank lifted the cash rate by 0.25% to 4.35%, marking the third consecutive rate hike this year. Unlike March’s narrow 5–4 split, this latest decision was passed 8–1 in favour of the hike — a clear signal that the Board is increasingly concerned about inflation and may not be finished yet. Adding to the...

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How to Reduce Mortgage Repayments in Australia: 6 Practical Ways to Save

With interest rates and living costs rising, many households are asking the same question: How can I reduce my mortgage repayments without overcomplicating things? The good news is, there are practical ways to improve your cash flow — and some of them can be implemented straight away. In this guide, we bring together six practical str...

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Should I Fix My Mortgage After a Rate Rise in Australia? What to Do Next.

The Reserve Bank of Australia (RBA) has lifted the cash rate once again in their March 2026 Meeting, marking another shift in the interest rate cycle. While the headline increase of 0.25% (25 basis points) may seem small, the real impact depends on how your lender responds — and what you do next. Because not all lenders move in the same w...

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(LIVE) RBA Mar 2026 | Inflation Fears Win in Close Call Vote

Australia's economic story has taken a decisive turn in early 2026. In its March meeting, the Reserve Bank lifted the cash rate by 0.25% to 4.10%, marking the second consecutive hike this year — and one of the most closely contested decisions since board voting transparency was introduced. In a narrow five-to-four split, the Board determin...

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Top Mortgage Brokerages Australia 2026: Empower Wealth Ranked 15th Nationally

Empower Wealth has been recognised as the 15th-ranked brokerage in the Top Mortgage Brokerages Australia 2026 ranking, released by The Adviser. In a year marked by record lending volumes, strong borrower demand and increasing competition across the broking industry, this recognition places Empower Wealth alongside some of Australia’s largest ...

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(LIVE) RBA Feb 2026 | RBA Reverses Course After Inflation Surges

Australia’s economic story has taken a sharp turn to start the new year. In its first meeting of 2026, the Reserve Bank has lifted the cash rate by 0.25%, reversing part of last year’s rate cuts and signalling that inflationary pressures are now too strong — and too broad — to ignore. In this month’s LIVE RBA & Economic Update,...

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Merry Christmas from the Empower Wealth Community: A Year of Impact, Growth and Gratitude

As 2025 draws to a close and the festive season fills the air, it’s the perfect moment to pause, take stock, and reflect on an extraordinary year across Empower Wealth, Moorr and The Property Couch. This year has been one of significant achievements, meaningful progress, and heartfelt reminders of why our mission matters so deeply. Cele...

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(LIVE) RBA Dec 2025 | Families Feeling the Pinch as Optimism Fades? 

As 2025 draws to a close, Australia’s economic landscape remains anything but settled. In the final RBA call of the year, the cash rate was held steady — but the tone of the statement made it clear that the Board is now “live” in both directions. That means rate cuts aren’t guaranteed… and neither are rate hikes off the table. In...

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Parent Guarantee Home Loans in Australia: How Families Can Safely Help Their Kids Buy Their First Home

Getting into the property market has never felt further out of reach for many young Australians. Rising prices, tight lending conditions, and the challenge of saving a deposit mean that more families are exploring how they can support their adult children into their first home — whether through gifting, lending, or becoming a guarantor. But ...

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RBA Nov 2025 | Stagflation Risk Emerges as Confidence Drops

The Reserve Bank of Australia has just made its November 2025 cash rate announcement, and the decision lands amid a whirlwind of competing economic signals. In this latest RBA and Economic Update, Empower Wealth’s Ben Kingsley and resident economist Evan Lucas dive deep into what’s really driving the headlines… from inflation and interest...

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1,000 Five-Star Reviews & Wealth Advisory of the Year 2025!

It’s a double celebration at Empower Wealth! This year, we’ve been named Wealth Advisory of the Year 2025 for the second year in a row, and we’ve also just reached another milestone — between our Melbourne and Sydney office, we've received 1,000 five-star Google reviews from our clients! For us, these two achievements go hand in han...

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(LIVE) RBA Sep 2025 | Is the Property Boom Back? Animal Spirits Are Stirring…

At 2:30pm AEST on 30th September 2025, the Reserve Bank of Australia delivered their latest cash rate decision—and as always, we went LIVE to unpack it all.  Hosted by our very own Ben Kingsley and resident economist Evan Lucas, the session covered far more than just the rate call itself. We explored the many factors shaping the RBA’s ...

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