Aqua Mortgage Finance

RBA hikes rates for first time in two years: How much will your mortgage cost

If you're on a variable-rate mortgage, interest rate changes can affect your repayments. Higher rates usually mean higher repayments, which can leave less room in the household budget. Interest rates also affect borrowing capacity

Monthly repayments (assumed rate of 5.76%) Monthly repayments with a 0.25% rate hike Monthly extra repayment (to nearest $10)
$1,000,000 $5840 $6000 $160
$750,000 $4380 $4500 $120
$500,000 $2920. $3000 $80
$250,000 $1460 $1500 $40

⸻

✨ Feeling incredibly honoured! ✨

I’m thrilled to share that I’ve been nominated for the Better Business Awards 2026 in the Best Residential Broker category! 🏡💼

The Better Business Awards are such an amazing recognition of excellence in our industry, and I’m so proud to be part of this incredible community of professionals.

Here’s to always striving for better — for our clients, our teams, and our industry! 🙌

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At Aqua Mortgage Solutions (AMS) we’re watching five trends that matter right now:

1️⃣ Valuations under pressure
Stricter standards for automated valuation models (AVMs) are tightening how property is assessed. Brokers need reliable alternatives and clear valuation strategies.

2️⃣ Borrower confidence dips
Australian consumer sentiment slipped again in October as the RBA’s rate path remains uncertain. Some buyers are holding back while others are ready to move. Brokers who provide scenario planning will add real value.

3️⃣ Macroprudential settings steady
APRA has kept lending rules unchanged, but that means strong, clean loan files and stress-tested scenarios remain essential to secure approvals.

4️⃣ Commercial & private lending opportunities
ABS data shows steady growth in new loan commitments, with private and commercial lenders actively filling funding gaps. Brokers who can package deals well will unlock more options for clients.

5️⃣ Speed over rate
More Australian borrowers are prioritising fast, certain approvals over chasing the lowest headline rate. Brokers with efficient lender networks have the edge.

At AMS, we see October as a turning point where informed brokers can transform uncertainty into opportunity.

💙 First Home?

Here’s the Secret No One’s Telling You…

If you think you need a massive deposit to buy your first home, we’ve got news for you: you don’t.

Thanks to the First Home Buyer’s Guarantee (FHBG), thousands of Aussies are stepping into their dream homes with just 5% deposit and without paying Lenders Mortgage Insurance (LMI).

That’s potentially tens of thousands of dollars saved and years shaved off your wait time.

But here’s the real game-changer:

👉 Most people don’t even realise they’re eligible or they miss out because they don’t have the right strategy.

That’s where a great mortgage broker changes everything. At Aqua Mortgage Solutions, we don’t just “find" you a loan, we:

✨ Hunt down opportunities you didn’t know existed
✨ Structure your finance to give you the best shot at approval
✨ And guide you step-by-step until you’re holding the keys to your home

Buying your first home shouldn’t feel impossible, it should feel inevitable. 💫

2025 could be the year you exchange renting for owning. DM us or reach out to our me, Diana Hodzic, at [email protected], and let’s get that first set of keys into your hands.

We hire full time brokers -
Contact us on [email protected]
Mob 0400186559

Role Description

This is a full-time remote role for a Mortgage Broker at Aqua Mortgage Solutions PTY LTD. The Mortgage Broker will be responsible for helping clients find the best mortgage options, managing debt consolidation efforts, and developing effective mortgage marketing strategies. They will also handle brokerage tasks, including client consultations, loan applications, and liaising with lenders.

Qualifications

Experience in Mortgage Brokers and Brokerage
Skills in Debt Consolidation and Finance
Proficiency in Mortgage Marketing
Excellent communication and negotiation skills
Ability to work independently and remotely
Relevant certification or accreditation in mortgage broker

The Reserve Bank of Australia has implemented its second cash rate reduction for 2025, decreasing the rate by 0.25 percentage points to 3.85 per cent. This latest adjustment is anticipated to stimulate an increase in refinancing activities.
Even before the latest cash rate announcement, lenders had started cutting mortgage interest rates.
With so much movement, now is time to shop around.

Let our friendly team to shop around for your best rate today

Call us today 0400186559

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