Co. Finance

29/09/2026

If you have a $600,000 mortgage, the RBA rate rises this year alone could now be costing you around $364 EXTRA every single month.

That’s more than $4,300 a year.

Say you owe $700,000 on your home loan, you’ve got 20 years remaining and your current interest rate is 6.25%.

Your repayments are around $5,100 a month.

If we could refinance that loan to 6% and restructure it over a new 30 year term, your minimum repayment drops to around $4,200 a month.

That’s roughly $900 a month back into your cash flow.

Now, before anyone comes at me in the comments, I’m NOT saying you should take another 30 years to pay off your mortgage. Think smarter.

I’m talking about creating options.

Reducing your minimum repayment means you have the option to pay anything above that.

Put the difference into your offset or redraw.

Or, if four rate rises and the cost of living are squeezing your household, use the lower minimum repayment to create some breathing room.

Refinancing isn't always about chasing the cheapest rate. It is about maintaining your ability to have OPTIONS!

It's about asking whether your debt could be structured better for where you are right now.

Because you can't control what the RBA does.

But you can control what you do with your mortgage.

29/09/2026

The RBA has increased the cash rate by 0.25%, taking it from 4.35% to 4.60%, its highest level since 2011.

Not the news mortgage holders wanted to hear.

Today’s increase is the fourth rate rise this year, as the RBA continues its fight to bring inflation back within its 2% to 3% target range.

Inflation remains higher than the RBA would like, with headline inflation sitting at 3.5% and underlying inflation at 3.6% in July.

For mortgage holders, another 0.25% increase means another potential increase to repayments if lenders pass it on in full.

On a $600,000 mortgage, that could mean around another $90 per month.

On $750,000, around another $115 per month.

On $1 million, around another $150 per month.

Individually, each increase might not seem enormous. But when they keep stacking up, they make a very real difference to household cash flow.

And importantly, the RBA has indicated that it is prepared to increase rates further if needed.

You cannot control what the RBA does.

But you can make sure your home loan is still competitive.

If you haven’t reviewed your mortgage recently, now is the time to know your rate, understand your options and make sure your loan is still working for you.

PropertyFinance

10/09/2026

These women helped me kick off my career in asset finance over 10 years ago and still to this day they support me. This week my biggest inspiration in this industry retired. Although I am so sad for me and everyone that gets the pleasure of her presence, I am excited for her and her "next book" as she puts it.

Kylie Lano you must know by the impact you have had on those around you, what a beautiful human you are. Everyone is sad to see you go. Sad doesn't even cut it.
There will never be another leader like you. Someone that leads with strength, kindness, integrity and heart. I hope I become half the leader you are. Thank you for all the opportunities you have given me and the rooms you invited me in. You have always backed me.

Big love to you special lady. Here's to this next book being calm, grounded and full of presence 🙏❤️

03/09/2026

Small confession: not every deal ends in a win for me but this I had to share.

Had a call at 6.30am while I was still bed. This clients bank knocked him back. Got him pre approved for a new car, no dramas. He spends weeks car shopping, I keep checking in, "still looking, all good." Today he tells me he picked up a brand new car on dealer finance.
I asked how come. He said it was actually more expensive. I could have told you that before he signed anything.
This is exactly how dealerships get you. You're standing in the showroom, the new car smell is doing its thing, and suddenly a worse rate feels fine because you just want to drive it home. Please don't let that be you. Line your own pockets, not theirs.
Was it a loss for me today? Technically. Am I still confident I had the better structure for him? Absolutely. So I'll let you be the judge on whose loss it actually was.
If you're about to walk into a dealership for finance, or your bank has already told you no, DM me "CAR" and let's have a chat before you sign anything. I'd rather talk you through it for five minutes than watch you overpay for five years.

Don't be fooled. Make smart, comscious decisions. It is a big outlay and one that should be treated as such.

03/09/2026

Cash flow is what kills businesses fastest. Not a lack of work. Not a bad month. A lack of cash flow.

If you're a civil construction or transport business buying a revenue-generating asset like a truck or an excavator, here's what 13 years in asset finance has taught me:

Maximise your finance. Don't rush to pay it off.

Using a balloon (or residual) lowers your monthly repayments and keeps more cash in your account. That buffer is what protects you when wet weather hits, an engine blows, or work slows down. Those things aren't a possibility. They're a certainty at some point.

A bigger buffer also means a bigger borrowing capacity, so you can grow faster and buy your next asset sooner.

Cash flow is king. Protect it, and it'll protect you.

👉 Buying a truck, excavator, or any big asset for your business? DM me "BALLOON" and I'll walk you through the numbers, the lenders, and the loan structure that suits you.

📩 DM CASHFLOW anytime for a chat about loan structures, lenders, or growing your business through the right finance.

TruckFinance ExcavatorFinance BusinessGrowth

17/08/2026

Podcast is out today! Check it out!

𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗙𝗶𝗻𝗮𝗻𝗰𝗲: 𝗛𝗼𝘄 𝘁𝗼 𝗕𝗼𝗿𝗿𝗼𝘄, 𝗚𝗿𝗼𝘄 & 𝗜𝗻𝘃𝗲𝘀𝘁 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗰𝗮𝗹𝗹𝘆

Glen chats with Kodie Axelsen about business finance, strategic borrowing, business growth, property investment and making finance work for your next move.

𝗟𝗶𝘀𝘁𝗲𝗻 𝗼𝗿 𝘄𝗮𝘁𝗰𝗵 𝗻𝗼𝘄:

▶️ YouTube: https://youtu.be/RcMYoAqvkF8

🎧 Spotify: https://open.spotify.com/show/3XiqMT2vPILvx29FroHNaZ

🎙️ Apple Podcasts: https://podcasts.apple.com/au/podcast/fraser-coast-property-brief/id1886322015

17/08/2026

If you're a First home buyer you have an excellent opportunity to take advantage of all that is available to help you get into the market.

If you're not sure where to start send me a DM.

14/08/2026

When the going gets tough, your broker gets going.

Growing a business takes a lot of understanding financials, patterns and how to tell stories between multiple entities. When questions are asked, your broker needs to know the answers.

Are you working with the right one?

DM me "SELF EMPLOYED" if you want to chat.

13/08/2026

Had a catch up with Glen Winney to talk about all things finance. Coming soon!

13/08/2026

For generations, the Australian Dream followed a familiar path: work hard, buy a home and build a secure future.

But what does that dream look like today?

This month, Kodie Axelsen explores how rising property prices, changing regulations and shifting economic conditions are encouraging Australians to rethink traditional pathways to wealth creation.

Perhaps the key to building financial security isn't following the same path as everyone else, but learning to adapt as the world changes.

https://alivemag.blog/2026/06/30/the-australian-dream/

Explore the evolving Australian dream of home ownership and adaptability in investment strategies for financial security in today's economy.