News
We regularly provide updates and commentary on the finance industry in Australia. Feel free to provide your thoughts.
Settlement day can feel like a blur but it’s far less stressful when you know what’s happening behind the scenes.I’ve put together a practical guide covering:- what should be confirmed before settlement day- what actually happens during electronic settlement (PEXA)- simple fraud-prevention steps to protect your fundsRead it here:
What Happens on Settlement Day? A Practical Guide for Buyers - PPM Finance
smpl.is
Learn how to refinance your home loan in Melbourne with the support of PPM Finance.
🏠 3 signs it might be time to review your home loanMost people don’t refinance because nothing feels “wrong”.But often, that’s exactly when it should be reviewed.Here are three simple signs to watch for:𝟏. 𝐈𝐭’𝐬 𝐛𝐞𝐞𝐧 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝟐 𝐲𝐞𝐚𝐫𝐬 𝐬𝐢𝐧𝐜𝐞 𝐲𝐨𝐮𝐫 𝐥𝐚𝐬𝐭 𝐫𝐞𝐯𝐢𝐞𝐰Lenders change rates and policies regularly — your loan may no longer be competitive.𝟐. 𝐘𝐨𝐮𝐫 𝐜𝐢𝐫𝐜𝐮𝐦𝐬𝐭𝐚𝐧𝐜𝐞𝐬 𝐡𝐚𝐯𝐞 𝐜𝐡𝐚𝐧𝐠𝐞𝐝Income, expenses, family, or future plans — your loan should evolve with you.𝟑. 𝐘𝐨𝐮’𝐯𝐞 𝐧𝐞𝐯𝐞𝐫 𝐜𝐨𝐦𝐩𝐚𝐫𝐞𝐝 𝐲𝐨𝐮𝐫 𝐫𝐚𝐭𝐞Many borrowers don’t realise how their rate stacks up until they check.A quick review can provide clarity and identify whether there’s an opportunity to improve your position.Start here 👉 smpl.is/aignf— Ashley BlythPPM Finance𝐺𝑒𝑛𝑒𝑟𝑎𝑙 𝑖𝑛𝑓𝑜𝑟𝑚𝑎𝑡𝑖𝑜𝑛 𝑜𝑛𝑙𝑦. 𝑁𝑜𝑡 𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝑎𝑑𝑣𝑖𝑐𝑒.
📉 Waiting for rate cuts? You might be waiting too long.Here’s the reality:Even when rates fall, lenders don’t always pass it on —and they rarely do it equally.Which means doing nothing can cost you.The better approach?Review your loan now and take control of the outcome.That might mean:✔ A sharper rate✔ A better structure✔ Or simply knowing you’re not overpayingEither way — you’re making an informed decision.Start here 👉 smpl.is/aignb— Ashley BlythPPM Finance𝐺𝑒𝑛𝑒𝑟𝑎𝑙 𝑖𝑛𝑓𝑜𝑟𝑚𝑎𝑡𝑖𝑜𝑛 𝑜𝑛𝑙𝑦. 𝑁𝑜𝑡 𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝑎𝑑𝑣𝑖𝑐𝑒.
💡 Refinancing isn’t about chasing the lowest rate. It’s about control.Over time, things change:Your income.Your goals.Your debt position.But most loans? They stay exactly the same.That’s where the problem starts.A proper review isn’t just about rate — it’s about:✔ Structuring your lending correctly✔ Improving cash flow✔ Positioning you for what’s nextThis is where good advice makes a difference.If your loan hasn’t been looked at in a while, it’s worth revisiting.👉 smpl.is/aign6— Ashley BlythPPM Finance𝐺𝑒𝑛𝑒𝑟𝑎𝑙 𝑖𝑛𝑓𝑜𝑟𝑚𝑎𝑡𝑖𝑜𝑛 𝑜𝑛𝑙𝑦. 𝑁𝑜𝑡 𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝑎𝑑𝑣𝑖𝑐𝑒.
🏠 You’re probably paying more than you need to on your home loan.Not because you made a bad decision —but because you haven’t reviewed it recently.Most lenders don’t reward loyalty. In fact, the longer you stay, the more likely your rate drifts.I see it every week.A quick review can tell you:✔ How your rate compares today✔ Whether you’re paying a “loyalty tax”✔ If there’s an easy win sitting thereNo guesswork. Just clarity.Start here 👉 smpl.is/aign3— Ashley BlythPPM Finance𝐺𝑒𝑛𝑒𝑟𝑎𝑙 𝑖𝑛𝑓𝑜𝑟𝑚𝑎𝑡𝑖𝑜𝑛 𝑜𝑛𝑙𝑦. 𝑁𝑜𝑡 𝑓𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝑎𝑑𝑣𝑖𝑐𝑒.