In the latest Market Report, Ray White CEO Andrew Bell took a different approach turning the spotlight on finance. With interest rates back in the headlines and cost-of-living pressures continuing to bite, he invited Lauren Hall, award-winning broker at Loan Market, to share her insights.
Lauren brings more than 15 years of experience in the finance industry and was named Broker of the Year for Australia. Known for her expertise and client-first approach, she provided a timely perspective on how Australians can navigate today’s lending landscape.
Following the Reserve Bank’s recent 0.25% cut, Australia’s official cash rate now sits at 3.6%. According to Lauren, the big banks are predicting further reductions potentially moving to 3.35% by the end of this year and closer to 3.1% by mid-2026.
“After such rapid increases over the past 18 months, even small drops mean welcome relief for households,” she explained. “With debt levels significantly higher than decades ago, the pressure on household budgets is very real. Rate cuts will help ease that strain.”
Despite financial stress, defaults remain low. Lauren attributes this to banks being more proactive in supporting customers through hardship measures such as repayment holidays or temporary interest-only periods. “Banks are working harder than ever to keep clients in their homes,” she noted.
One of the most significant shifts since the Banking Royal Commission has been the rise of mortgage brokers. Today, 76% of all loans are written by brokers. The introduction of the “best interest duty” legislation has been central to that growth.
“This gives consumers confidence that a broker is working for them, not shareholders,” Lauren said. “We provide choice, keep banks competitive, and act as a trusted advisor. That’s why Australians are turning to brokers in record numbers.”
Too many borrowers, however, remain loyal to their banks and don’t review their loans. Lauren warns this is costing them money.
“On average, if you’ve had your loan for more than four years, your rate is around 0.4% higher than a new customer walking into the same bank today,” she explained. “We call it the ‘loyalty tax.’ The good news is that brokers can do the legwork for you, making sure you’re not overpaying.”
Perhaps the most positive development is for first-time buyers. In 2025, they represent around 35% of all loans, a figure boosted by unprecedented government support and flexible lending policies.
“State and federal grants have never been better,” Lauren said. “Banks are also more flexible with policy, and in Queensland, buyers can even use rental income from housemates to boost their borrowing capacity. It’s a fantastic time to get into the market.”
Andrew confirmed that Ray White Bell Group will be holding a First Home Buyers Information Night in September, giving young Australians and their families the chance to learn more about accessing these opportunities. This event is due to take place in September with more information to come.
As Andrew concluded, “Finance plays such a critical role in property decisions. Don’t set and forget your loan. A simple health check could save you thousands and help you make the most of opportunities in this shifting market.”
If you would like to chat about your finance options, Lauren Hall’s details are below for those who want to explore refinancing, securing a better deal, or stepping into their first home.
Lauren Hall
Director | Loan Market
0468 990 233
lauren.hall@loanmarket.com.au
Finally, a special invitation. This year, we’ve taken a bold step to reimagine our traditional charity ball into something new, fresh, and more meaningful. Introducing BELLisimo, an exclusive Friday afternoon charity lunch, set against the stunning backdrop of the Gold Coast’s newest luxury destination, Mondrian Burleigh Heads.
Inspired by the elegance of the Italian Riviera and infused with relaxed coastal glamour, this event is designed to be an unforgettable afternoon of fine Mediterranean cuisine, flowing drinks, live entertainment, and heartfelt connection. Most importantly, it’s all in support of a truly worthwhile cause.
This is more than a charity event. It’s a celebration of community, generosity, and good living. We’d love for you to be part of it. For event details and tickets please click here.
Until next time,
Andrew Bell, OAM
Chairman | Ray White Bell Group
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