Excel Property Agents

“Coming Soon”

5+ acres with a unique multi-level home
Just 10 minutes to Toowoomba

A rare rural lifestyle opportunity with space, character, and convenience.

Register your interest today.
Text your name and number to 0419760673 for more information.

📉 What does a 0.25% rate rise really mean for your borrowing power?

It might sound small… but it can have a bigger impact than you think 👇

Let’s break it down:

💰 Example scenarioA household earning ~$120,000 combined incomeWith average expenses and no major debts

➡️ Before the rate rise:Estimated borrowing capacity ≈ $600,000

➡️ After a 0.25% increase:Estimated borrowing capacity ≈ $575,000

😳 That’s a $25,000 drop in what you can borrow — from just a quarter percent change.

🔍 Why does this happen?Lenders assess your ability to repay at higher “buffer” rates. When rates go up, your assessed repayments increase — reducing how much you can borrow.

✅ What can you do?• Get pre-approved early (lock in your position)• Review your expenses and debts• Consider strategies to boost borrowing power• Speak to a broker before making offers

💬 Thinking of buying or refinancing?A quick check now could save you from surprises later.

📩 Send me a message — happy to run your numbers.

FinanceTips HomeLoans BrisbanePropert

RBA delivers third straight rate hike as inflation pressures mount - realestate.com.au The RBA has raised the cash rate for the third time in a row as it looks to cool spending and inflation pressures.