Insights & Resources
Articles, tips and guides on home loans, refinancing, first home buying and the Newcastle property market, from David at Rebus Finance.
Falling Values Are Quietly Fixing Rental Yields Around Lake Macquarie
For years the investor problem around the lake was simple: prices rose faster than rents, so yields kept shrinking. Four months of falling values has begun to reverse that, and mos
What Refinancing Actually Saves Hunter Borrowers (With Real Numbers)
Lenders quote their sharpest rates to new customers and leave existing borrowers on higher ones. After three rate rises this year that gap has widened. Here is what closing it is a
Four Months of Falling Values, Two More Rate Rises: What It Means Suburb by Suburb
Home values across Newcastle and Lake Macquarie have fallen for four consecutive months while the market prices in more rate rises. In ten local suburbs, the fall has already more
The RBA Has Warned of More Rate Rises. Here Is What It Actually Means for Your Mortgage
A month ago every major bank expected rates to stay on hold. After the RBA's deputy governor said inflation is “too high”, all four now expect a rise. Here is what it would cost yo
What Actually Increases Your Borrowing Power (It Is Not Skipping Dinner)
Every few months someone in the property industry tells first home buyers to stop going out for dinner. Here is why that advice is aimed at the smallest lever you have — and what a
What Inflation Actually Means for Newcastle Buyers, Owners and Investors
Australian wages rose 3.2 per cent last year while prices rose 3.5 per cent. Here is what that gap actually does to a deposit, a mortgage and an investment property in Newcastle an
Weekly, Fortnightly or Monthly Repayments: Which Actually Pays Your Mortgage Off Faster?
Paying fortnightly is widely said to shave years off a mortgage. It can — but only if you pay half your monthly repayment, not the fortnightly figure most calculators show you. Her
RBA Holds at 4.35%: What the September 2026 Decision Means for Newcastle Borrowers
The Reserve Bank left the cash rate at 4.35 per cent in August and meets again on 28-29 September. Here is what the data says, what the major bank economists are forecasting, and w
Using Home Equity for Renovations: A How-To Guide
Learn how to calculate usable home equity, compare renovation finance options, prepare your application and borrow confidently with expert guidance.
Mortgage Broker Benefits Fees and Lender Access Guide
Learn how Australian mortgage brokers compare lenders, earn commissions, charge possible fees and help you choose a suitable home loan with confidence.
Ready to Move Forward?
Whether you have a specific question from one of these articles or you are just starting out, David is here to help with a free, no-obligation chat.