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Understanding Borrowing Power After the Latest Rate Hike
5 June 2026
Interest rate rises don’t just affect repayments—they also impact how much you can borrow. Why borrowing power changes Lenders assess your ability to repay a loan using a buffer rate above the actual interest rate. As rates rise, this buffer increases, reducing the amount you may be eligible to borrow.
Read moreIs Refinancing in a High-Rate Market Still Worth It?
28 May 2026
It’s a common misconception: “There’s no point refinancing when rates are high.” In reality, refinancing can be just as valuable—if not more so—in a higher-rate environment. Why refinancing still matters Even when rates are elevated: Not all lenders price loans the same New customers often receive better deals Your current
Read moreFixed vs Variable in 2026: Which Loan Strategy Makes Sense Now?
21 May 2026
With interest rates shifting and economic uncertainty continuing, many borrowers are asking the same question: should I fix my rate or stay variable? The case for variable Variable loans offer flexibility, including: Extra repayments Access to offset accounts Easier refinancing However, they’re also exposed to further rate increases, which can
Read more5 Practical Ways to Manage Your Mortgage in a Rising Rate Environment
14 May 2026
With interest rates continuing to rise, many homeowners are feeling the pressure. The good news? There are simple, effective steps you can take to stay in control. 1. Review your interest rate Lenders don’t always offer their best rates automatically. A quick review could reveal opportunities to negotiate a better
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