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MRD Capital:
Your partner for home loans, business loans, SMSF loans, car loans & asset finance. Contact our Mortgage and Finance Brokers today.
08/09/2025
🙃 2 in 5 first homebuyers face unexpected costs 🙃
As a first home buyer, it’s easy to focus on your deposit.
But that’s not all you need. 😅
Upfront costs like stamp duty, solicitor fees, insurances, and building and pest inspections can add up fast. 😅
A Finder survey shows 2 in 5 first-time buyers can fail to budget for these additional costs.
Yet, on average, they add up to $5,290. 😬
Could your budget handle the extra costs?
Call us to find out everything you need to plan for when buying a home. It can help you plan ahead with confidence. 💪
To find out more, DM or contact the MRD Property Team on:
☎️ – 0448 088 948
💻 – [email protected]
03/09/2025
🏡 What makes up the dream Australian home these days? 🏡
Backyards or bedrooms – what home features matter most? 🤔
A survey by Compare the Market shows Australians put multiple bedrooms (39%) at the top of their must have list, followed by decent air con/heating (37%) and a backyard (25%).
But it’s the other end of the list that was a real surprise for us. 😮
Only 7% of Australians really want a backyard pool.
Other less desirable features include a balcony (8%), full-size laundry (6%) and a carport (5%).
What matters is that you sort the ‘must-haves’ from the non-essentials for your ideal home.
Talk to us to fine-tune your home-buying budget with the loan that matches your needs. 👇
To find out more, DM or contact the MRD Property Team on:
☎️ – 0448 088 948
💻 – [email protected]
01/09/2025
☀️ Now’s the time to consider a summer home make-over ☀️
Summer might still be months away, but now is a good time to start preparing for higher temps.
Low-cost renovations like installing new air con or insulation, or just adding French doors that keep the cool air flowing, can keep your place comfy.
Or maybe you’re keen to add a back deck or solar panels? ☀️
Your home could even help pay for it all.
From a simple refresh to a full renovation, talk to us about how home equity could fund renovations that add value and comfort to your place. 👇
To find out more, DM or contact the MRD Property Team on:
☎️ – 0448 088 948
💻 – [email protected]
27/08/2025
🏡 1 in 2 first home buyers use LMI to buy sooner 🏡
As home prices continue to rise, close to half (48%) of recent first home buyers paid for lenders mortgage insurance (LMI) to help them buy sooner rather than later, according to Helia statistics.
LMI can apply if you buy a home with less than a 20% deposit (and haven't tapped into the First Home Guarantee scheme).
It’s a one-off insurance premium that protects the lender if a borrower can’t repay their loan.
But without paying LMI, you may have to wait until you’ve saved a bigger deposit to buy a place. 🙃
The risk is that by then, home prices may have climbed even higher.
Talk to us to understand how LMI could help you beat rising property prices, or if you're eligible for the federal government's First Home Guarantee scheme. 👇
To find out more, DM or contact the MRD Property Team on:
☎️ – 0448 088 948
💻 – [email protected]
25/08/2025
🧐 1 in 2 borrowers don’t know their home loan rate 🧐
New research shows more than half Aussie home owners with a mortgage are in the dark about their loan rate, according to Finder.
But ignorance isn’t necessarily bliss when it comes to a home loan. 🙃
Mortgage repayments could be your biggest household expense.
So, unless you know the interest rate you’re currently paying, it’s almost impossible to be confident you aren’t paying too much.
Call us today to get to know your loan rate.
We can explain if you could potentially save on interest with a more competitively-priced loan. 👇
To find out more, DM or contact the MRD Property Team on:
☎️ – 0448 088 948
💻 – [email protected]
20/08/2025
🏡 Home owners opt to leave repayment amounts unchanged after rate cut 🏡
Here's an interesting stat that caught our eye.
The Commonwealth Bank (which accounts for 1 in 4 Australian home loans) says only 14% of its variable rate customers reduced their minimum monthly repayment amount following the February 2025 rate cut.
The majority simply stayed with their old repayment amount. 🧐
Sure, these stats are from just one lender. And other lenders automatically decrease your minimum monthly repayment amount in line with their rate cuts.
But if your finances can handle it, leaving your repayment amount unchanged following a rate cut could be one way to pay more off your loan each month. 👍
Over time, those additional payments can have a decent impact on the total amount of interest you pay over the life of your loan, and help you pay off your loan sooner.
Call us to know how much you could save by leaving your repayments on hold when rates fall. 👇
To find out more, DM or contact the MRD Property Team on:
☎️ – 0448 088 948
💻 – [email protected]
18/08/2025
🤔 Mythbuster: does paying more often pay off an offset loan sooner? 🤔
Making repayments more frequently could help you pay off a standard home loan sooner.
But what if you have an offset account? 🧐
Well, that’s when the key to getting ahead is maximising the balance in your offset account - not the frequency of your repayments.
Every day that your money is sitting in the offset account is another day you pay less interest on the account.
So, if you want to pay off your offset account home loan sooner, your focus should be on boosting the balance in your offset account for as long as possible - not repayment frequency.
Still confused? Get in touch and we'll be happy to run you through it some more. 👇
To find out more, DM or contact the MRD Property Team on:
☎️ – 0448 088 948
💻 – [email protected]
🤔 How are most families using their recent mortgage savings? 🤔
The February and May rate cuts saw Australian families with an average home loan of $641,000 save about $200 a month each, according to Finder.
So how are they planning on using the extra money?
Two in five plan to save it, says Finder.
The same proportion (39%) are tipping the savings back into their loan or offset account to get ahead on their home loan.
And about 6% are treating themselves by spending it (and fair enough, too!). 😅
But with more potential rate cuts tipped for 2025, it’s probably worth thinking about yourself.
And if you want to find out more about offset accounts, or even refinancing, please get in touch. 👇
To find out more, DM or contact the MRD Property Team on:
☎️ – 0448 088 948
💻 – [email protected]
11/08/2025
📈 How much did property prices increase over the last 10 years? 📈
It’s a bit of a common property myth, but do values really double every decade? 🤔
Well, not over the last 10 years, according to CoreLogic:
- Adelaide: 93.6%
- Brisbane: 91.2%
- Hobart: 86.4%
- Sydney: 61.6%
- Canberra: 60.7%
- Perth: 55.6%
- Melbourne: 43.8%.
So while the 10-year myth may be busted, many home owners have enjoyed healthy gains over that period.
Talk to us about a home loan that could help you get into the property market for the next 10 years. 👇
To find out more, DM or contact the MRD Property Team on:
☎️ – 0448 088 948
💻 – [email protected]
06/08/2025
🏠 Home lending jumps as first home buyers return 🏠
First home buyers are making a welcome return to the property market, with NAB reporting a 16% jump in lending to first home buyers since February.
There are several reasons why more people are bringing forward their plans to buy.
Interest rates are being tipped by many economists to fall further. 📉
CoreLogic says more homes have also come onto the market, and prices are expected to keep rising. 📈
Add in the 5% deposit Home Guarantee Scheme, and the stars may have aligned for many first home buyers.
Get in touch to see if the time is right for you to buy a place of your own. 👇
CTA🏠 Home lending jumps as first home buyers return 🏠
First home buyers are making a welcome return to the property market, with NAB reporting a 16% jump in lending to first home buyers since February.
There are several reasons why more people are bringing forward their plans to buy.
Interest rates are being tipped by many economists to fall further. 📉
CoreLogic says more homes have also come onto the market, and prices are expected to keep rising. 📈
Add in the 5% deposit Home Guarantee Scheme, and the stars may have aligned for many first home buyers.
Get in touch to see if the time is right for you to buy a place of your own. 👇
To find out more, DM or contact the MRD Property Team on:
☎️ – 0448 088 948
💻 – [email protected]
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