As the Reserve Bank of Australia (RBA) navigates the delicate arena of monetary policy, recent reductions in the rate have brought a whirlwind of activity into the financial arena. With the official cash rate standing at 3.85% in May 2025, following a series of reductions commencing in February, Australian shoppers are feeling a mixture of relief and uncertainty. Lower interest rate is great for home borrowers, as it would translate to fewer home loan repayments; however, for savers, things are not so clear. In responding to RBA's decisions, the banks READ MORE

If you’re looking for a career that offers more freedom, better earning potential, and the chance to work on your own terms, becoming a mortgage broker in Sydney might be exactly what you need. It can be a long-term career you actually enjoy. Plenty of people step into broking from all kinds of backgrounds: sales, admin, even hospitality. Some are chasing more flexibility. Others want to finally work for themselves. And if you’ve been thinking about switching things up, this is one career path that’s worth a serious look. What Does a READ MORE

Home loan refinance can be a great business decision where you can reduce the monthly payment, shorten your loan term, or cash in equity to invest in other properties. If you do have the right approach, you can save thousands of dollars on a mortgage in the future. Now with all the home loan refinance options available, it is wise to be prudent with the options available to you, so you get the best home loan refinance deal. At Efficient Capital, we want to help you make the best choices READ MORE

Self-managed super funds (SMSFs) are also a highly favored vehicle option among Australians who desire greater control over their retirement funds. Perhaps one of the most widely used SMSF strategies by trustees is borrowing with their funds to invest in property or other assets through SMSF lending. Well-structured SMSF loans are able to confer considerable tax benefits to trustees by allowing them to optimize their returns while being within the limits established by the Australian Taxation Office (ATO). This blog explains how to arrange SMSF lending for optimal tax efficiency, READ MORE

If you're retired (or getting close) and feeling the pinch with rising costs, there’s a way to get extra money without selling your home. It’s called home equity release, and it basically lets you use the value of your home to top up your retirement income. Let’s break it down in plain English. What Is Home Equity Release? Your home is worth money — even if you're not planning to sell it. Home equity is the part of your home you fully own. With equity release, you borrow against that value while still READ MORE

Home loan rates in Australia: Australian homeowners and homebuyers have been on a rollercoaster with interest rates these past few years. After years of rate hikes, a fresh wave of optimism is sweeping the property market. Home loan rates in Australia are finally easing off. But what does that mean for you, whether you are a first-home buyer, investor, or looking for refinance? Let's know about the implications, current market forces, and what you have to do now in order to get the most benefit out of this shift. Things You Need READ MORE