TheFinancialCo

22/09/2026

Next RBA rate call: 29 September 📅

The cash rate is 4.35% after three rises this year. Every 0.25% adds roughly $100 a month on a $600k loan.

Park spare cash in your offset and ask for a rate review before the decision lands.

Comment RATE for a free rate check.

21/09/2026

Bought your home in the last few years? Your loan probably needs a check-up ⚠️

Rates rose three times in 2026 (Feb, Mar, May) and the cash rate is now 4.35%. On a $600k loan that's roughly $290 more a month.

4 quick checks:

✅ Is your rate still sharp? New customers often get better deals than loyal ones

✅ How much usable equity do you have? It could fund your next deposit

✅ Is your offset actually working for you?

✅ Fixed rate ending? Start planning 3 months out

Comment CHECK for a free loan health check.

19/09/2026

A court just handed the Bathla administrators another 12 months 🏗️

Here’s the part most headlines skipped: the NSW Supreme Court extended the deadline to 13 September 2027, but that’s time, not money. The administrators have about $4.7m in funding so far and are still talking to lenders.

The scale:

• ~$3.4b in creditor claims (about $3.08b to secured lenders, $145m to the ATO)

• ~219 projects worth about $4.87b, carrying around $3.13b in debt

• About a quarter of lots under construction are already pre-sold

If you’re waiting on a build, or about to sign on a new one, swipe for the 4 red flags to check before you sign, and why builders get into trouble in the first place.
👉

Are you buying off the plan right now or has this scared you off? Tell me in the comments.

👉 If your settlement date has moved, your finance approval may have expired.

Comment BUILD and I’ll send you our New Build Buyer Checklist.

Sources: ABC News (19 Sept 2026), NSW Supreme Court orders, AAP.

General information only, not credit or legal advice. Lending criteria, fees and charges apply. TheFinancialCo (The Financial Co. Pty Ltd) is an Authorised Credit Representative (No. 574951) of Mortgage Australia Group Pty Ltd (Australian Credit Licence No. 377294).

18/09/2026

Buying your first home, explained in 5 steps 🏡

1. Save your deposit — you can start with 5% under the Government's 5% Deposit Scheme (no LMI, no income cap)

2. Know your borrowing power — income, spending, debts, plus a 3% buffer

3. Get pre-approved — usually good for 3 to 6 months

4. Find it and check it — inspection + conveyancer

5. Settle, usually 30 to 90 days later, and grab the keys

Save this for when you start looking 📌

Comment FIRST and we'll DM you our free First Home Buyer Checklist.

17/09/2026

Prices are finally dropping in Sydney and Melbourne 📉 So is it actually your moment to buy?

Here’s the real picture:
🏙️ Sydney is down 7.1% from its peak
🌊 Melbourne is the budget pick at a $787k median
☀️ Perth is still up, but cooling fast

The catch? Repayments still eat way more than 30% of most incomes, and the RBA makes its next rate call on 29 September.

Swipe through, vote on the polls in the comments 👇 and save this for later.

💬 Comment HOME and we’ll DM you our free First Home Affordability Calculator.

Sources: Cotality Home Value Index, Cotality Housing Affordability Report, Domain First Home Buyer Report 2026, RBA, Housing Australia.

17/09/2026

Found the car you want? 🚗 Let's make it happen.

Go through the flowchart 👇 If you got the green light 🟢, the next step is sorting the finance, and that's what we do.

We compare lenders for you 🔍, explain the real costs upfront 💰 and handle the paperwork 📝, so you can focus on picking the colour 🎨

New or used, dealer or private sale, we can help ✅

📩 DM us "CAR" or book a quick chat through the link in bio.

General info only, not personal advice. Lending criteria, fees and charges apply.

17/08/2026

Funded 🚗💨

Another successful vehicle finance outcome for our client.

💰 Amount Financed: $61,299
🚘 Vehicle: 2023 BMW 340i
💳 Deposit: 20%
📆 Term: 5 Years
👤 Client: Sole Trader – Depot Manager

From self-employed borrowers to complex finance scenarios, we work with a wide range of lenders to find the right solution.

Looking to finance your next car? Let’s get you funded. 🔑

📩 DM us today to discuss your options.

17/08/2026

⚖️ The RBA held the cash rate at 4.35% on 11 August — a unanimous decision and the second consecutive hold after three hikes in February, March and May.

Here’s what a hold actually is: it’s a pause, not a rebate. The three increases earlier this year are already in your repayments and they aren’t coming back.

Governor Bullock was direct — inflation is still too high, and the Board will raise again if upside risks materialise.

Headline inflation sits at 3.8%, and the RBA doesn’t expect it back near the midpoint of the target band until late 2027.

The next decision is 28–29 September. That gives you roughly seven weeks of known pricing to review your rate, model a split, and stress-test your budget at 4.60% instead of 4.35%.

Restructuring is always cheaper before you need to than after. DM us RATEPLAN and we’ll review your current structure at no cost.

17/07/2026

01/07/2026

💼 Deal funded successfully before EOFY

Cleaning contractor upgraded into a 2024 Nissan Navara with 0% deposit.

Strong example of using finance strategically to preserve cash flow while acquiring essential business assets.

Another smooth settlement delivered through tailored lending solutions.