Lendology

17/08/2026

One of the most stubborn myths in Australian property: you need a 20% deposit before you can buy. For most first home buyers, that has not been true for a while, and the rules got dramatically better last October.

Under the Australian Government 5% Deposit Scheme, eligible first home buyers can purchase with a 5% deposit and pay no lenders mortgage insurance. There are no longer income caps, there is no cap on places, and in Adelaide the property price cap is now $900,000, which covers the vast majority of the market.

Building new? South Australians can stack the $15,000 First Home Owner Grant on top, and pay no stamp duty on a new build or vacant land.

On the right property, the difference between saving a 20% deposit and a 5% deposit is years of your life. If you thought buying was still a long way off, it is worth an hour of your time to check.
Book a first home buyer chat at lendology.com.au

15/08/2026

The Reserve Bank held rates steady this week, but if you are going through a separation, "steady" can still feel anything but.

Borrowing capacity on one income, the cost of keeping the home, what a lender will approve for a refinance during settlement: all of it moves with the cash rate. A plan that stacked up six months ago may look different today, and sometimes that difference works in your favour.
If the home is part of your separation, the most valuable thing you can do is get current numbers, not last year's assumptions.
Confidential conversations at separation.lendology.com.au

13/08/2026

After Tuesday's decision, this is the question landing in our inbox: should I fix my rate?

The honest answer is that it depends, and anyone who gives you a one word answer is guessing. Here is how we think about it. Fixing buys certainty, and certainty has real value if your budget has no slack. Staying variable keeps your flexibility, your offset and your ability to make extra repayments without penalty. A split gives you a measure of both.

What matters is not predicting the RBA correctly. It is structuring your loan so you are fine whichever way rates move.

If you have been wondering about fixing, this week is the right time to run your numbers. Book at lendology.com.au

11/08/2026

The Reserve Bank has left the cash rate on hold at 4.35% this afternoon, in line with what three of the big four banks were expecting.

What does that mean for you? In short, breathing room, but not a green light to switch off. The board has kept the door open to further rises if inflation does not behave, and today's Statement on Monetary Policy will shape expectations for the rest of the year.

If your repayments are manageable, this is a good moment to get ahead: extra repayments made now build a buffer for whatever comes next. If they are already tight, a hold does not fix that, but a loan review might.

Either way, we are across the detail so you do not have to be. Book a chat at lendology.com.au

07/08/2026

Plenty of people put off talking to a broker because they are not sure what to expect. So here is exactly what happens when you sit down with us at Daw Park.

First, we listen. Where you are at, what you are trying to do, what is worrying you. Then we look at your numbers together, honestly. No jargon, no sales pitch, and if the right answer is to wait six months and build a bigger deposit, we will tell you that.

You leave with a clear picture of where you stand and what your next step is, whether that step is with us or not.

That is it. No cost, no obligation, and the coffee is decent. Book at lendology.com.au

05/08/2026

03/08/2026

The Reserve Bank board meets on Monday and Tuesday next week, with the decision announced Tuesday afternoon. So what are the big four expecting?

Three of them, CBA, NAB and ANZ, believe the cash rate has peaked at 4.35% and will stay put for the rest of the year. Westpac is the outlier, still forecasting further rises before the year is out. In other words, even the experts are split.

Here is our take: you cannot control what the RBA does, but you can control whether your loan is match fit for whatever comes. If another rise would stretch your budget, the time to look at your options is before Tuesday, not after.

We will post our plain English breakdown as soon as the decision lands. In the meantime, if your repayments are already feeling tight, book a chat at lendology.com.au

01/08/2026

We talk a lot about rates, repayments and lenders, but here is what we actually believe.

A home is not just the biggest purchase most people ever make. It is where life happens. It is security, stability and the foundation everything else gets built on. When your lending is set up properly, you feel it everywhere else: less stress, more choices, more room to live.

That is why Lendology exists. Not to sell loans, but to help people get the foundation right.

True wellbeing begins at home.

30/07/2026

The cash rate has risen three times this year, from 3.60% in January to 4.35% today. If your lender has passed on all three, that is around $290 more each month on a typical $600,000 loan.

Here is what matters: not every lender has moved the same way, and the gap between the sharpest rates and the laziest ones has widened. If you have not reviewed your loan since before February, there is a fair chance you are paying more than you need to.

A review costs nothing and takes less than half an hour. We will tell you honestly whether you are on a good rate or whether it is worth moving.
Book a review at lendology.com.au