EVOLUTION-NINJA

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Date: Tue, 24 Mar 2026 05:29:54 +0000 (GMT)
From: Home Loan Experts <insights@homeloanexperts.com.au>
Reply-To: customerassist@homeloanexperts.com.au
To: dom@e24.com.au
Message-ID: <871075287.8866286.1774330194307@cell-4-768c67445d-kj5mh>
Subject: Has the rate rise quietly changed your plans, Dominic?
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Protect your borrowing power and monthly cash flow.https://www.homeloanexpe=
rts.com.au/free-quote/?utm_campaign=3D2026-03-24-email-newsletter-rba-follo=
w-up&utm_source=3Demail-newsletter&utm_medium=3Demail&utm_content=3Denquiry=
&utm_term=3DB=20

**Hi Dominic**,

When rates go up, most people's first question is how much more their repay=
ments will cost, or how much less they can bid at auction.

To help you stay in control, here are four practical steps you can take rig=
ht now.

**1. Freeze a portion of your repayments**

If you want certainty in your budget, you don=E2=80=99t have to keep your w=
hole loan on a variable rate. You can fix a part of it. This locks in that =
portion of your repayment so it stays exactly the same for 1-2 years, even =
if the RBA raises rates again.

**2. Borrow less than your maximum limit**

If a bank tells you that you can afford a $500,000 loan, try to aim for $45=
0,000 instead. By leaving a 10% buffer, you ensure that if rates or living =
costs rise in the future, you aren't stretched to your limit and can still =
enjoy your lifestyle.

**3. Ask your bank for a lower interest rate**

You don=E2=80=99t have to wait for your bank to change your rate. We can he=
lp you reprice your loan now. This is simply asking your current lender for=
 a better deal to match the market. Often, this small move can cancel out t=
he extra cost of a rate hike before it even hits your account.

**4. Use the lack of competition to negotiate**

Higher rates often mean fewer people are bidding at auctions. If you have y=
our finances ready, you actually have more power to negotiate a lower purch=
ase price right now. Your best opportunity to buy is often while other buye=
rs are sitting on the sidelines waiting for rates to drop.

If any of this has you thinking about your own situation, it's worth a conv=
ersation.

****

****=C2=A0****

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Protect your borrowing power and monthly cash flow.=20
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<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<strong>Hi Dominic</strong>,</p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
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<br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
When rates go up, most people's first question is how much more their repay=
ments will cost, or how much less they can bid at auction.</p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
To help you stay in control, here are four practical steps you can take rig=
ht now.</p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<b>1. Freeze a portion of your repayments</b></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
If you want certainty in your budget, you don=E2=80=99t have to keep your w=
hole loan on a variable rate. You can fix a part of it. This locks in that =
portion of your repayment so it stays exactly the same for 1-2 years, even =
if the RBA raises rates again.</p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<b>2. Borrow less than your maximum limit</b></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
If a bank tells you that you can afford a $500,000 loan, try to aim for $45=
0,000 instead. By leaving a 10% buffer, you ensure that if rates or living =
costs rise in the future, you aren't stretched to your limit and can still =
enjoy your lifestyle.</p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<b>3. Ask your bank for a lower interest rate</b></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
You don=E2=80=99t have to wait for your bank to change your rate. We can he=
lp you reprice your loan now. This is simply asking your current lender for=
 a better deal to match the market. Often, this small move can cancel out t=
he extra cost of a rate hike before it even hits your account.</p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<b>4. Use the lack of competition to negotiate</b></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
Higher rates often mean fewer people are bidding at auctions. If you have y=
our finances ready, you actually have more power to negotiate a lower purch=
ase price right now. Your best opportunity to buy is often while other buye=
rs are sitting on the sidelines waiting for rates to drop.</p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
<br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px">=
If any of this has you thinking about your own situation, it's worth a conv=
ersation.</p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<h2 style=3D"Margin:0;line-height:27px;mso-line-height-rule:exactly;font-fa=
mily:'open sans', 'helvetica neue', helvetica, arial, sans-serif;font-size:=
18px;font-style:normal;font-weight:normal;color:#333333;display:none"><br><=
/h2>
<h2 style=3D"Margin:0;line-height:27px;mso-line-height-rule:exactly;font-fa=
mily:'open sans', 'helvetica neue', helvetica, arial, sans-serif;font-size:=
18px;font-style:normal;font-weight:normal;color:#333333;display:none"><br><=
/h2>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<h3 style=3D"Margin:0;line-height:24px;mso-line-height-rule:exactly;font-fa=
mily:'open sans', 'helvetica neue', helvetica, arial, sans-serif;font-size:=
16px;font-style:normal;font-weight:normal;color:#27ADE7"><b style=3D"displa=
y:none">&nbsp;</b></h3>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
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e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
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e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
elvetica, arial, sans-serif;line-height:21px;color:#333333;font-size:14px;d=
isplay:none"><br></p>
<p style=3D"Margin:0;-webkit-text-size-adjust:none;-ms-text-size-adjust:non=
e;mso-line-height-rule:exactly;font-family:'open sans', 'helvetica neue', h=
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isplay:none"><br></p>
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