Mohit Gupta - Mortgage and Business Broker

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Mohit Gupta - Mortgage and Business Broker

Save time, reduce stress and make confident decisions.

Mohit Gupta from LNO Mortgages helps Australians buy, sell and finance businesses, with trusted support for mortgage loans, property lending, refinancing and commercial finance.

20/09/2026

Where rates sit right now

RBA cash rate: 4.35%, held at the August meeting. Next decision: Tuesday 29 September.

What that means in practice: lenders are pricing new business sharper than their back book. If your rate starts with a number higher than the best offers you're seeing advertised, it's worth a 10-minute check. A repricing request to your own lender often works before any refinance is needed.

I've started a WhatsApp channel for short updates like this, three a week. Follow here: https://whatsapp.com/channel/0029Vb8uPYV8V0tutw2all3R

Book a call: https://calendly.com/topaussiebroker/lead-discovery-call

General information only, not personal advice.

16/09/2026

Interest rates can reduce spending, but they cannot directly create more oil, housing, electricity or infrastructure.

That is why today’s inflation problem is so difficult. Borrowers can still face higher mortgage costs even when some price pressures are being driven by supply shortages rather than household demand.

Read More: https://lnomortgages.com.au/post/rba-interest-rates-supply-inflation-mortgage-borrowers-2026

16/09/2026

Your mortgage rate is influenced by more than just the RBA.

Global bond yields, oil prices, lender funding costs and competition can all affect what borrowers pay. That is why reviewing your home loan regularly matters.

Read More: https://lnomortgages.com.au/post/what-affects-mortgage-rates-australia-oil-bond-yields-2026

15/09/2026

Your bank may be advertising lower mortgage rates, but that does not mean your existing loan has been automatically repriced.

A quick rate review could show whether you can negotiate a better deal with your current lender or save by comparing other options.

Read More: https://lnomortgages.com.au/post/existing-customers-missing-best-mortgage-rates-australia

14/09/2026

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Your home loan rate might feel too high, but falling property prices can make refinancing harder than expected.

When your equity drops, your loan-to-value ratio can rise, which may limit lender options or trigger extra costs like lenders mortgage insurance.

Before switching banks, it is worth checking your equity position, refinance eligibility and total savings properly.

Read More: https://lnomortgages.com.au/post/mortgage-prison-low-equity-refinancing-australia-2026

11/09/2026

Expensive homes are falling faster, but that does not automatically mean buying has become easier.

Your deposit, income, borrowing capacity, lender policy and loan structure still determine what is actually within reach.

A falling market can create opportunities. The right finance strategy helps you recognise which ones make sense.

Read More: https://lnomortgages.com.au/post/expensive-homes-falling-faster-australia-property-market-2026

10/09/2026

Could mortgage holders be facing back-to-back RBA hikes?

With 4.60% now firmly in the conversation and 4.85% possible under a two-hike scenario, the smartest move is to stress-test your repayments before the next decision.

Review your rate. Check your buffer. Know your options.

Read More: https://lnomortgages.com.au/post/back-to-back-rba-rate-hikes-mortgage-impact-2026

10/09/2026

Oil above US$100 is not just an energy story.

Higher fuel and transport costs can add to inflation, keep pressure on the RBA, and increase the risk of mortgage rates staying higher for longer.

Global events can reach Australian household budgets faster than most people expect.

Read More: https://lnomortgages.com.au/post/oil-above-100-australia-inflation-mortgage-rates

09/09/2026

Australia needs more homes, but the RBA expects housing construction to slow from late 2027.

That could mean tighter future supply, stronger rental pressure and even more affordability challenges if demand keeps growing.

The real question is whether Australia can build enough homes for what comes next.

Read More: https://lnomortgages.com.au/post/rba-housing-construction-decline-rental-pressure-australia

09/09/2026

All Big Four banks now expect another RBA rate hike, with forecasts pointing to a 4.60% cash rate.

For mortgage holders, the key question is not just what the RBA does next. It is whether your current loan, repayments and financial buffer are ready for another increase.

A review now could help you plan before rates move again.

Read More: https://lnomortgages.com.au/post/big-four-banks-rba-rate-hike-forecast-2026

Address

9/281-287 Sussex Street
Sydney, NSW
2000

Website

http://www.lnomortgages.com.au/

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