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“A mortgage isn’t just a debt—it’s a cornerstone of financial security for most Australians.”

Mark Bouris and Stephen Koukoulas take a deep dive into the Australian psyche around home loans and the national property obsession. With so much negativity swirling, it can be easy to get lost in it all. What matters is knowing your numbers, having the right expert support, and sticking to your plan.

Catch the latest episode of Property Insights with Mark and Kouky now: https://yhomeloans.com.au/videos/rba-doesnt-get-it-mark-bouris-stephen-koukoulas-monthly-update/

Whether you're looking at your first home loan, buying that next property or considering refinancing, it pays to stay informed.

Why? So you can take whatever steps necessary to keep progressing towards your goals.

Not long to go now for our Help a Mate Giveaway! All entrants will go in the running for a share of $40,000.

How does it work? Simply refer a friend to make an appointment with us, or enter yourself and come along for a chat about how we can help you. That's all it takes.

Applications close at the end of the month, so don't miss this chance to take home some cash and to help each other out. For all you need to know and to ENTER, head to ybr.com.au/mates/

Terms and Conditions Apply.

It's been a year of speculation and media hype surrounding interest rates, as the RBA keeps the cash rate on hold. Swipe through to take a quick look at the impact of rate hikes on home loan repayments or learn more here: https://yhomeloans.com.au/resolute-rba-keeps-rates-on-hold/

- The cash rate will remain at 4.35% for the 7th consecutive meeting.

Another RBA board decision is due in just 24 hours.

The long wait for interest rate relief may still be a while off, but you should never assume that nothing can be done about your current circumstances.

Want to make sure you've got the best deal possible? Give us a call today and let's get on top of your home loan.

The ABS recently released the all important June Quarterly data which showed some positive signs on the ever-sticky inflation issue. Whilst there was a slight uptick in inflation, it was much more aligned with the RBA's forecast, and has even caused major bank economists at CBA and Westpac to bring back predictions of a November rate cut.

All eyes will be on the RBA board next week, which will decide on interest rates yet again. For the latest insight, follow the link: https://yhomeloans.com.au/rba-august-prediction-interest-rate-drops-still-beyond-the-horizon/

Buying a home can be overwhelming, but asking the right questions makes all the difference.

Swipe through ➡️ for the five questions you will need answered on your property journey.

When you need the answers, we're here to help.

100 EPISODE SPECIAL!

The 100 Episode milestone for Property Insights is out now and it lives up to the title of 'special'.

Mark Bouris is joined by a 3-decade champion of the mortgage broking industry, James Symond. For a long time, Mark and James were competitors, but now they're mates who still share the same passion: helping all Australians get the best deal possible to put a roof over their heads.

For some incredible insight on how our industry has grown and so much more, follow the link for our special 100th episode: https://yhomeloans.com.au/videos/well-save-you-mark-bouris-james-symond-special-100th-episode/

Knowledge is power when it comes to managing your mortgage and financial future.

In the latest episode of Property Insights, Mark Bouris shares crucial insights to help you make informed decisions. Don’t miss out: https://yhomeloans.com.au/property-insights/

We get it, time can get away from us and it's often easy to slip into a set & forget attitude. But the buck should stop when it starts costing you money.

Click here for more ideas on how to ditch loyalty tax: https://yhomeloans.com.au/avoiding-loyalty-tax-are-you-paying-to-stay-with-your-lender/

Call or visit our branch to see what you can do to avoid paying more on your home loan.

Determining how much you can afford to borrow and what financing options are available to you is no easy task on your own.

As mortgage brokers, we can provide the guidance you need and take a lot of the legwork out of your decision-making process.

Head to https://ybr.com.au/5-questions-you-will-ask-about-buying.../ for answers to Five Key Questions about the property purchasing journey.

Do you feel that your standard of living has started to decline? It's certainly what some of the economic data is saying about Australia at the moment.

The Economic Update on Property Insights with Mark Bouris and Stephen Koukoulas is a monthly episode to run you through the facts and figures that will most likely impact interest rates.

Tune in to the latest episode here: https://yhomeloans.com.au/videos/panic-in-the-marketplace-koukoulas-july/

Understanding mortgage jargon is key to navigating your home loan, so let us help you come to terms with some of the basics. Swipe through for a simple breakdown of the common terms you’re likely to see.

Need more info? We'll get you sorted. Call or visit our branch today.

Have you heard the term ‘Loyalty Tax’? It’s something more than half of Australian borrowers are still happy to pay. But is it really worth it?

Read more here to make sure your loyalty isn’t costing you money. https://yhomeloans.com.au/avoiding-loyalty-tax-are-you-paying-to-stay-with-your-lender/

The Reserve Bank's dilemma: to raise rates or not? As we approach the August meeting, the question of risk looms large.

A 25 basis point increase could potentially trigger "stagflation" and would be the final straw for many...

https://yhomeloans.com.au/videos/panic-in-the-marketplace-koukoulas-july/

A positive outlook can turn challenges into opportunities. You're on track. You've got this.

As experienced mortgage brokers, we see firsthand the challenges first home buyers face.

Mark Bouris has highlighted some crucial changes needed to make homeownership more accessible.

Extending the First Home Owner Grant and eliminating fees for strata reports are simple steps in the right direction.

If you want support and expertise on your journey to your first home, reach out to us today.

Has a complicated loan term ever caused you to 'stress google'?

The mortgage world can feel like a steep learning curve at first, particularly if you’re not familiar with some of the common terms of a typical loan agreement.

We've got you covered. Follow the link to access our Loan Terms Starter Kit: https://yhomeloans.com.au/crack-the-code-mortgage-terms-made-easy/

Or better yet, send us a DM, give us a call, or head on into our branch and we can walk you through any questions you may have.

As investors and even first home buyers have started to look for diverse ways to break into the property market, commercial property has grown enormously over recent years. But you may not have seen much on industrial property investment.

With almost 40 years of experience in Australia's property development and construction industry, Danny Hanna is the CEO of Hannas Property and joins Mark to discuss the rising demand for industrial property on the latest episode of Property Insights: https://yhomeloans.com.au/videos/industrial-has-become-an-asset-class-mark-bouris-danny-hanna/

Whether you're starting out on your property journey, or years into it, the basics always matter. Create a budget. Reduce some of your costs. Have a savings plan. Lean on the experts.

Reach out to our branch today and let's get to work on the basics, together.

Trawling websites for the lowest home loan rate?

You might be wasting your time. Swipe through for a quick look at why the lowest rate might not be right for you, or read on here: https://yhomeloans.com.au/how-do-you-find-the-best-interest-rate/

Reframe your thinking and find the loan AND rate that’s most suitable to your circumstances. Or let us help you get it sorted.

The property market can be a challenging place, particularly for first home buyers.

That’s why Federal and State Governments have schemes and grants available to purchasers to help ease the financial burden of breaking onto the property ladder.

However, there are two large shortcomings that Mark Bouris believes could be changed with “the flick of the pen”. Find out more about the “common sense” changes that are needed here: https://yhomeloans.com.au/absurdity-one-rule-hindering-first-home-buyers-from-cashing-in-on-10000-grant/

Your property journey is just that: YOURS.

Make a plan, lean on the experts, do your own research and make informed decisions.

Whether it’s your first home loan, or your next one, you deserve transparent, simple and expert guidance on your loan journey. Call or visit our branch today to get started.

Interest rates are making headlines yet again this week, with concerns that inflation is remaining too high, causing speculation of a rate rise in August.

Mark Bouris was invited on Channel 7's the Morning Show to calm concerns and break the noise. See the entire segment here: https://www.youtube.com/watch?v=xOFmlqEp0j4&t=2s&ab_channel=YellowBrickRoad

If you’re watching your interest rates closely you’re probably waiting for them to go down like the rest of us out here in mortgage land.

But if you’re wondering when that will happen and why, let's take a closer look at the RBA and the cash rate to see how they drive interest rates and why they’re keeping rates high.

If you're looking for the "best" interest rate out there at the moment, it's not as straight forward as finding the lowest advertised rate. Find out why here: https://yhomeloans.com.au/how-do-you-find-the-best-interest-rate/

The "best" interest rate for you is one that considers your situation, your goals and your finances - and finding a suitable solution for you is what we do! Call or visit our branch today and let us get you sorted.

Things get pretty technical when you're trying to make sense of the jargon and uproar surrounding interest rates.

That's why every week, Mark Bouris sits down with leading economist Stephen Koukoulas, to help you understand all of the numbers and analysis that impact the decision around interest rates.

Property Insights is a show designed to help you get the upper-hand on your property journey. You can catch up on on the latest episode, or every episode here: https://yhomeloans.com.au/videos/things-are-pretty-grim-mark-bouris-stephen-koukoulas-monthly-update-bonus/

A Monday reminder to take a step, no matter how small, no matter the direction. As Mark Bouris says, once you get moving, you'll see doubt diminish.