What the RBA Rate Rise Means for Your Mortgage And What to Do Next

The RBA has lifted the cash rate to 4.35%, and most lenders are expected to pass it on. If you've got a mortgage here on the Central Coast, that likely means your repayments are going up.

I know that's not easy to hear. But I also know that moments like this are exactly when having the right person in your corner makes a real difference.

Don't Just Sit With It Let's Look at It Together

Before I became a mortgage broker, I worked as a nurse and midwife. One thing that career taught me? Ignoring a problem rarely makes it better. The same goes for your home loan.

A rate rise doesn't have to mean you're stuck. It means it's time to ask some questions and I love asking those questions on your behalf.

Here's what I can look at with you:

What this actually means for your repayments. Let's put a real number on it, specific to your loan, so you know exactly where you stand.

Whether your current lender is still the right fit. Loyalty doesn't always get rewarded in banking. I'll find out if there's something better out there for you.

Options you might not know you have. Things like offset accounts, redraw facilities, or adjusting your repayment frequency can make a meaningful difference and most people haven't explored them.

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Local Knowledge Matters

I live in Davistown and work with clients right across the Central Coast - Gosford, Terrigal, Erina, Kincumber, Saratoga and everywhere in between. I understand this local market and I work for you, not the banks.

As a property investor myself, I also bring that longer-term thinking to every conversation. It's not just about getting through this rate rise — it's about making sure your loan is set up to help you build wealth over time.

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Ready to Have a Chat?

If you've been sitting with a niggling feeling about your mortgage, let's talk. I'm pretty tenacious when it comes to finding the right solution for my clients and I'd love to help you feel more in control.

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