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Latest News & Mortgage Tips
Understanding Borrowing Power After the Latest Rate Hike
5 June 2026
Interest rate rises don’t just affect repayments—they also impact how much you can borrow. Why borrowing power changes Lenders assess your ability to repay a loan using a buffer rate above the actual interest rate. As rates rise, this buffer increases, reducing the amount you may be eligible to borrow.
Read moreIs Refinancing in a High-Rate Market Still Worth It?
28 May 2026
It’s a common misconception: “There’s no point refinancing when rates are high.” In reality, refinancing can be just as valuable—if not more so—in a higher-rate environment. Why refinancing still matters Even when rates are elevated: Not all lenders price loans the same New customers often receive better deals Your current
Read moreSee what our Customers Say
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0411 667 150
Email
paul@surf-finance.com.au
