What Is a Deposit Bond and When Should You Use One?

💰 3 Smart Mortgage Moves This May: HGS vs Non-HGS, Rate Cuts & Refinancing Wins - CoreLogic Home Value Index Report June 2025

Roll Call - Which lenders have reduced their interest rates by 0.25%?

💳 Borrowing Power & Credit Cards: Real Case Study Shows $200K Impact

💸 Is It Worth Refinancing? This week’s case study - The Real Impact on Cash Flow and Interest Savings.

Housing Guarantee Scheme (HGS) vs Non-HGS – Which First Home Buyer Path Is Right for You?

🏡 RBA Cuts Cash Rate to 3.85% – Again! Here’s What It Means for You

The Reserve Bank of Australia (RBA) has just made its second interest rate cut this year, dropping the official cash rate by 0.25%, from 4.10% to 3.85%.

📉 This continued shift in monetary policy signals a turning point—and for homeowners, buyers, and investors, it’s a window of opportunity worth exploring.

🚀 Record Time Pre-Approval – Just 40 Minutes!

Lest We Forget

On this ANZAC Day, we pause to honour the courage, sacrifice, and resilience of the men and women who served—and continue to serve—our nation.

How We Secured Unconditional Approval in Under 2 Hours, just in time before the long weekend (And You Can Too!)

🌍 From the Highlands to the Hinterland: My Heritage Journey 🌿

Ever wondered how our roots shape our paths? I'm a blend of Celtic resilience, Nordic determination, and Western European creativity. This rich tapestry of ancestry has guided me from the bustling streets of Sydney to the welcoming warmth of Brisbane.​

🏡 National Market Overview

• National dwelling values rose 0.7% over Q1 2025, ending a three-month decline.

• Annual growth slowed to 3.4%.

• House values now carry a 31.5% premium over units, up from 25.8% in Jan 2023.

📍 Capital City Trends (Quarterly)

• Adelaide: +1.0% (11.0% YoY), record high.

• Brisbane: +0.9% (8.6% YoY), record high.

• Perth: +0.2% (11.9% YoY), near record high.

• Sydney: +0.4% (2.8% YoY), still -1.4% below peak.

• Melbourne: +0.3% (-2.6% YoY), -5.6% below peak.

• Canberra: -0.1% (-0.5% YoY).

• Hobart: +0.2% (-0.4% YoY), -12.0% below peak.

• Darwin: +2.8% (2.6% YoY).

Newsletter: April Property Market Update: RBA Decision, Home Value Trends & Mortgage Readiness

Secure Your Financial Future with Smart Property Moves

The property market is showing resilience. Here’s what you need to know this month:

• RBA Holds Cash Rate at 4.10% – The Reserve Bank has kept rates steady, meaning borrowing conditions remain stable. While February’s rate cut provided some relief, now is the time to review your mortgage and plan strategically.

RBA Holds Cash Rate at 4.10% – What It Means for Property Buyers and Investors

The Reserve Bank of Australia (RBA) has announced its decision to keep the cash rate steady at 4.10% following its April 1, 2025, meeting.

Key Takeaways from the RBA’s Statement

• Inflation Control: Inflation has significantly declined since its 2022 peak, suggesting that previous rate hikes have helped stabilize demand and supply.

• Future Outlook: The RBA remains cautious, requiring further confidence that inflation will sustainably return to its target range before making future changes.

🏡 Preparing for Mortgage Application Success💪 A 12-week training program for your finances, inspired by ultra-running!

Applying for a mortgage is like preparing for an ultramarathon. You need strategy, endurance, and discipline to get to the finish line successfully. Just like you wouldn’t show up unprepared for a 100km race, you shouldn’t walk into a bank without first training your financial fitness. This 12-week mortgage preparation program will help you get your bank records in peak condition so you can confidently approach lenders and secure the best possible loan.

How do I improve My Borrowing Power?

1. Increase Your Income

2. Reduce Existing Debt

3. Minimise Credit Card Limits,

Cancel ALL Buy Now Pay Later Cards

4. Improve Your Credit Score

5. Save for a Larger Deposit

6. Cut Down on Unnecessary Expenses

7. Choose the Right Loan Structure

8. Consider a Joint Application

9. Extend Your Loan Term

10. Work with a Mortgage Broker

We Work for You, Not the Banks—Why That Matters

When securing a home loan or refinancing your property, one of the biggest misconceptions is that all mortgage brokers are the same. The truth? Not all brokers put your best interests first. At Best Foot Forward Mortgage Solutions, we’re different.

"We work for you, not the banks, and LOVE locking in the best possible interest rate for your unique situation."

This isn’t just a catchy slogan—it’s the foundation of how we operate.