Credithub Australia

Your borrowing capacity isn't random. It's a number you can move.

Same income, two lenders, two different answers, because how your numbers are read matters more than the numbers themselves.

Three things doing the heavy lifting:
→ Income type: PAYG and self-employed don't get assessed the same way
→ Credit limits: lenders count the full limit, not your $0 balance
→ Living expenses: accurate beats guessed, both ways

We know how all 52+ lenders read your file. That's the difference between declined and approved.

📞 1300 782 944
www.credithub.com.au

⏳ First home buyers: 3 deadlines in the next 6 weeks that could save you thousands.

Most people don't realise these windows are closing until it's too late.

Deadline 1 — First Home Guarantee
Buy with just 5% deposit, no LMI. Melbourne cap: $950,000. Act before July 1.

Deadline 2 — First Home Super Saver
Lodge your FHSS request before EOFY. A $50k withdrawal could save you $10,000+ in tax.

Deadline 3 — Stamp Duty Concessions
Thresholds may change in the new financial year. Lock in current exemptions before July 1.

The new financial year resets the clock. Don't lose your place.

📞 1300 782 944 | credithub.com.au
Book your free consultation today — before these deadlines pass.

Most people spend weeks chasing the lowest interest rate — and miss the decision that actually costs them thousands.

Your loan structure determines how much you pay over the life of the loan.

Interest Only vs Principal & Interest. Fixed vs Variable. Offset vs Redraw.
Get any one of these wrong, and a "great rate" won't save you.

At CreditHub, we don't just find you a competitive rate — we build the right structure around your goals, across 52+ lenders.

That's the difference between a loan that works for you, and one you're stuck managing for years.

📞 Book your free consultation today.
🔗 www.credithub.com.au

💡 Did you know the average Australian mortgage holder is still sitting on a rate above 6.2%?

With the current market offering rates as low as 5.7% across 52+ lenders, that gap is costing homeowners up to $600 every single month — or over $7,000 a year — without them even realising it.

Here's why it happens: most people set their home loan and forget it. Your bank won't call you when a better deal comes along. That's where we come in.

At Credit Hub, our brokers review your current loan, compare it across our full lender panel, and tell you exactly where you stand — for free, with no obligation.

✅ Takes less than 10 minutes
✅ No impact on your credit score
✅ 20 years of experience, $1B+ in loans settled
If your rate starts with a 6, it's worth a conversation.

📞 1300 782 944 | credithub.com.au

🔴 The RBA has raised the cash rate to 4.35% — a third consecutive hike in 2026.

What this means for you: → Every 0.25% increase adds roughly $80–$100/month to a $600,000 variable loan → Three hikes means $240–$300 more per month compared to the start of the year → All of the rate relief borrowers received in 2025 has now been fully reversed

Variable rate holders are feeling this most — and if you haven't reviewed your loan in the past 12 months, there's a real chance your current lender is no longer competitive.

The strategy right now isn't to panic — it's to review. Some fixed rate products are still sitting below the variable average, and not all lenders have passed on the full hike.

Our brokers are across what's available right now across 52+ lenders. A 20-minute call could tell you whether you're on the best possible rate — or whether switching could offset a big chunk of these increases.

📞 1300 782 944 | credithub.com.au
👉 Book your call to discuss your options.

Thinking of applying for a home loan? Preparation makes all the difference.

From understanding your credit profile to managing existing commitments, the right steps today can open better opportunities tomorrow.

At Credit Hub, we guide you through every detail, so you can move forward with clarity and confidence.

Start smart. Apply with confidence.

📞 1300 782 944
🌐 www.credithub.com.au

$3 billion in loans settled — a testament to trust, expertise, and results.

At Credit Hub, we don’t just process loans—we guide you with precision, insight, and care every step of the way.
Your next financial move deserves experience you can rely on.

Book your free consultation today.

📞 1300 782 944
🌐 www.credithub.com.au

A bank sells you their products. A broker finds you the best one.

With 20+ years of trusted experience and access to 52+ lenders, Credit Hub puts your interests first.

📞 More choices. Better rates. Less stress.

👉 Book your call today — credithub.com.au

📞 1300 782 944