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We regularly provide updates and commentary on the finance industry in Australia. Feel free to provide your thoughts.
Will They / Won’t They Cut Rates This Month? 🤔
Inflation is finally playing ball.
📉 Headline inflation has dropped from 3.4% to 2.4% over the past year.
📉 Trimmed mean inflation (the RBA’s preferred measure) is now down from 3.9% to 2.7%.
We’ve now had seven months of headline inflation within the RBA’s 2–3% target range, and three months for the trimmed mean. That’s a strong signal… but will it be enough?
The Reserve Bank has flagged that “uncertainty about the United States’ international trade policies,” and potential responses from other countries, “could have a chilling effect on business investment and household spending decisions, and pose substantial headwinds to the outlook for global economic activity and inflation.”
So while the data is encouraging, the outlook remains uncertain.
#InterestRates #ratecut #RBA #Inflation #EconomicOutlook #HomeLoans #PPMFinance #Refinance #mortgagerates
Why I Love Having My Office on Sydney Road 🏙️
There’s something special about being part of Melbourne’s most iconic retail strip. Sydney Road isn’t just where my office is—it’s where small businesses thrive, cultures blend, and community still matters.
From the independent retailers to the local cafés and creative spaces, there’s a real energy here. As a mortgage broker, I get to support the people behind those businesses—helping them grow, invest, and plan for the future. And being right here on Sydney Road means I’m always close to the people I serve.
This strip continues to evolve but never loses its heart. It’s a one-stop shop in every sense, and I feel lucky to call it home base.
📍 PPM Finance | Sydney Road, Brunswick
🔗 Read more about why Sydney Road stays ahead smpl.is/a5x2k
#SydneyRoad #Brunswick #SmallBusiness #MortgageBroker #CommunityFinance #PPMFinance #MelbourneBusiness #LocalEconomy #BusinessGrowth
One-stop shopping: Why Melbourne's iconic Sydney Road strip still appeals
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It’s the longest retail strip in the Southern Hemisphere, running through the core of the inner north – but that’s just one part of Sydney Road’s appeal, for locals and visitors alike.📈 Banking Sector Resilience Remains Strong
The RBA’s April 2025 Financial Stability Review offers a reassuring outlook: while housing loan arrears have gradually risen, Australia’s banking sector remains sound, stable, and well-prepared.
In 2024, the share of housing loans 90+ days in arrears rose to 0.8% - still low by historical and global standards. Importantly, one of the key drivers is the number of loans staying overdue for longer, not an increase in new defaults.
This shift reflects a more compassionate approach from lenders (as if) or the fact that continued house price growth has reduced the risk of bank losses. It helps explain the extended duration of arrears without indicating a deterioration in credit quality.
Coupled with strong capital buffers, Australian banks are well-positioned to manage risk while supporting customers through challenging periods.
📊 View Graph 3.4 and read more here → smpl.is/a537g
#HomeLoans
Resilience of the Australian Financial System | Financial Stability Review – April 2025
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Resilience of the Australian Financial System | Financial Stability Review – April 2025Did you know - not all banks passed on the last rate cut!
By now, you’ve probably heard the news—the Reserve Bank of Australia (RBA) has kept the cash rate on hold at 4.10% at its second monetary policy meeting of the year. Surprise, surprise, surprise.
While this was widely expected after February’s rate cut, here’s something you might not know: not all banks passed on the last rate cut—some didn’t pass on a cent. Looking at you, Bank of Queensland Specialist (BOQS).
So, to all the dentist and medico specialist clients out there, if you, or someone you know, has a home or investment loan with BOQS, now is the time to act. Book a call with Ashley and let’s get you the rate cut you deserve. smpl.is/a4y6v
smpl.is/a4y6w
#refinance #hoanloan #investmentproperty #BOQS #ratecut #medicoloans #dentist #homeloanrates #investmentloanrates
At its meeting today, the Board decided to leave the cash rate target… | Reserve Bank of Australia
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At its meeting today, the Board decided to leave the cash rate target unchanged at 4.10 per cent and the interest rate paid on Exchange Settlement balances at 4 per cent. Read more: ow.ly/bg0o...🌱 Get Off the Gas. Get a Loan. 🌱
With power prices rising and feed-in tariffs falling, more Aussie homeowners are making the switch to all-electric homes—and lenders are rewarding them for it.
Banks are now offering discounted home loan rates for borrowers who invest in:
✅ Solar panels and battery storage
✅ Heat pump hot water systems
✅ Induction cooktops and efficient heating/cooling
✅ Home energy upgrades that reduce reliance on gas
At PPM Finance, we can help you access these green loan options—whether you're buying, refinancing or funding home upgrades. It's a smart move for your wallet, your home’s value, and the planet.
smpl.is/a4586
Ready to make the switch?
📅 Book a time to chat: smpl.is/a4587
Get off the gas. Get a better deal. Get started with PPM Finance.
#GreenHomeLoans #SustainableLiving #GetOffTheGas #EnergyEfficiency #HomeLoans #MortgageBroker #PPMFinance #Refinance #SolarSavings #SmartFinance
Mild winters and trend towards electrification will push back gas shortage until 2028, Aemo says
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Increased cost of the fossil fuel has also cut forecasts of how much gas will be needed in Australia’s southern states