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Simple Easy Finance – Sydney mortgage broker helping buyers, investors, and homeowners find the right home loan or refinance with ease. Fast and Reliable Home Loan Services You Can Trust — Every Step of the Way 5.0 Stars Rating from 440+ Google Reviews 1300 103 998 Book Your Free Consultation No Obligations. Secure, Simple and Fast Process 98.8% APPROVAL RATE 24 Hrs OPTIONS FOUND 6 Mth REVIEW GUARANTEE 40+ LENDERS COMPARED Trusted and Recognised by Industry Experts Recognised as an award-winning Sydney mortgage broker and MPA Top Broker, helping Australians secure better home loan solutions Stay Ahead with Our Ongoing Home Loan Review Service With Simple Easy Finance, your peace of mind lasts well beyond settlement. We manage your home loan for life—reviewing it regularly to ensure it stays competitive and perfectly suited to your needs. Guaranteed Six-Monthly Review Ongoing Home Loan Rate Check: Every six months, we review your home loan and compare it against 40+ lenders to ensure you’re always getting a competitive interest rate. Smarter Savings: We identify opportunities to reduce your interest costs and help you pay off your home loan faster — keeping more money in your pocket. Lasting Peace of Mind: We take the stress out of managing your biggest financial commitment, ensuring your loan stays competitive and suited to your needs, year after year. Stress-Free Home Loans with Expert Guidance Every Step of the Way Our simple home loan process makes buying or refinancing your home easy and stress-free. 1. We Understand Your Goals It all starts with a quick 20-minute call to discuss your needs, goals and what you wish to achieve with your next home or investment. 2. We Find the Right Home Loan Within a few days, we'll present tailored loan options that suit your situation- along with advice to help you choose with confidence. 3. We Handle the Rest From application to approval and ongoing six monthly reviews, we take care of everything to ensure you are always on the best deal. Speak to a Home Loan Expert Compare 40+ Leading Banks and Lenders for the Best Home Loan Rates We partner with over 40 lenders to find the right home loan tailored to your needs and financial goals. Reviews From Our Happy Clients Find out why our clients love the Simple Easy Finance experience and confidently refer us to friends and family. Talk to a Home Loan Specialist Today and Find the Best Mortgage for You. Schedule a free, no-obligation consultation to see how we can simplify your home loan experience. 1300 103 998 Book Your Free Consultation

The 2026 property market is shifting. Explore the 10 key trends and what they mean for your next move in property. What’s Really Happening in the Australian Property Market in 2026? Published 8 April 2026 The property market is shifting as we move through 2026. Price growth is slowing, affordability remains stretched, and buyer behaviour is changing. Whether you’re buying your first home, investing, or reviewing your current loan, understanding these trends can help you make smarter decisions. We’ve broken down the 10 key trends shaping the Australian property market, based on insights from Cotality’s Q1 2026 Housing Update — and what they mean for you. Trend 1: Price growth is slowing After a strong run in 2025, the market is entering a more balanced phase. Growth is easing, affordability is tightening, and conditions vary across regions. Sydney & Melbourne : Prices have largely plateaued since late 2025. Brisbane & Adelaide : Still growing, but momentum is slowing. Perth : Continuing strong growth, driven by limited supply. Need More Information? Talk to Our Home Loan Experts Today. Book Your Free Consultation Trend 2: Demand is shifting to more affordable properties Demand hasn’t disappeared — it’s evolving. We’re seeing a clear shift toward more affordable properties, with lower price segments recording stronger growth. This is being driven by a surge in activity from first home buyers taking advantage of government schemes, alongside investors re-entering the market. As shown in the graphs below, properties below the price caps are leading the market, with growth significantly outpacing those above the caps across both regional and capital cities. Trend 3: Regional markets are outperforming Regional areas continue to lead growth, driven by affordability and lifestyle appeal. Many regional markets — particularly in Western Australia and Queensland — are recording strong growth, with some areas achieving double-digit gains. Trend 4: First home buyer activity is rising First home buyer activity has picked up noticeably, particularly following the expansion of the 5% deposit guarantee scheme in late 2025. This led to a strong increase in first home buyer lending, as more buyers were able to enter the market with smaller deposits. In fact, around 45% of first home buyers are now purchasing with deposits of 10% or less, highlighting a clear shift toward lower-deposit lending. As affordability remains a challenge, most first home buyers are focusing on more affordable properties, which is driving up demand and price growth in the lower end of the market. Trend 5: Investor activity remains strong Investor activity continues to be a key driver in the market, now accounting for roughly 40% of new lending — a clear sign of renewed confidence despite higher interest rates. Rather than chasing high-end capital growth, investors are taking a more strategic approach, focusing on affordability and yield. Key target areas include: Lower-to-mid price brackets Properties within or near government scheme price caps Locations offering stronger rental returns This strategy closely overlaps with first home buyer activity, increasing competition across the same price segments and placing upward pressure on more affordable properties. Trend 6: Affordability remains stretched Affordability continues to be one of the biggest challenges in today’s market. Property prices relative to income remain near record highs, with around 45.9% of household income now required to service a new mortgage. This is being driven by a combination of elevated property values and higher interest rates, which have significantly reduced borrowing capacity compared to previous years. Trend 7: Mortgage arrears remain low (for now) Despite the sharp rise in interest rates over the past cycle, mortgage arrears remain relatively low at around 1.5%, indicating that most borrowers are still managing their repayments. Several factors have helped support this resilience: Strong employment conditions and income stability Borrowers building buffers during the low-rate period Lenders proactively offering hardship support and repayment solutions However, ongoing cost-of-living pressures, combined with higher mortgage repayments, are starting to place increased strain on households. Trend 8: Rental market remains tight Rents are rising again, increasing by approximately 5–6% annually, with many households now spending close to one-third of their income on rent. Vacancy rates remain tight at around 1.5% nationally, well below long-term averages, reflecting an ongoing shortage of available rental stock. As a result, competition for rentals remains high, placing continued upward pressure on rents. At the same time, stronger rental returns are improving yields, helping to support ongoing investor demand even in a higher interest rate environment. Trend 9: Total advertised stock levels vary significantly across Australia The flow of fresh listings has increased in most major cities compared with the same time last year, particularly in Sydney and Melbourne, where current activity is above the five-year average. In contrast, Perth has experienced a decline in stock levels, down 8.6% year-on-year. This tighter supply has contributed to an uplift in property prices in Perth. Trend 10: Consumer confidence has dropped Consumer sentiment has fallen to record lows, reflecting concerns around rising interest rates, inflation, and the cost of living. Historically, weaker confidence tends to slow housing activity, as buyers become more cautious and delay purchases. While this may temporarily reduce demand, it also presents opportunities for informed buyers and investors who are prepared to act strategically in attractive markets. The market isn’t crashing — it’s changing. Opportunities still exist, but they now depend on: The right strategy The right timing The right structure Whether you’re buying, refinancing, or investing, having a clear plan has never been more important. Book a meeting with our expert team to review your financial position and explore your options. Speak with a home loan expert Facebook X (Twitter) WhatsApp Copy link ABOUT OUR SERVICE We do not charge a fee for our service 0 $ Negotiate offers from 40+ lenders 40 + % 98 Application approval rate 6 months Half yearly reviews to help you save

Sydney based finance and mortgage broking firm located in CBD and Ryde specialising in finance for first home buyers, property investors and people looking to refinance their existing loans. Experts in Home Loans and Refinance We're a trusted mortgage brokerage in Sydney known for our expertise in providing excellent customer service and making the home loan process easy! What sets us apart is our exceptional post-service care. Our team will review your home loan every 6 month and contact your bank on your behalf to ensure you are always on the best deal. Speak to a Home Loan Expert Trusted and Recognised by Industry Experts Recognised as an award-winning Sydney mortgage broker and MPA Top Broker, helping Australians secure better home loan solutions Our Simple and Easy Home Loan Process ABOUT OUR SERVICE Negotiate offers from 40+ lenders We do not charge a fee for our service 0 $ 40 + 98 Application approval rate 6 months Half yearly reviews to help you save %

< Back The best home loan type for your needs There are 5 main types of home loans. We will run through the pros and cons of each type of loan to help you understand the best home loan for your needs. 1. Fixed rate home loan A fixed home loan offers an interest rate that is fixed for a set period of time – usually 1, 3 or 5 or 10 years. The key benefit is the ability to budget, knowing exactly how much your repayments will cost each time. However, a fixed loan doesn’t have the same flexibility as other loans – you will encounter restrictions if you want to make additional repayments, such as fees or capping to a low amount. You might also be disappointed if interest rates drop dramatically and you are still paying the same fixed rate. This is a good option if you want to make steady regular payments and you intend to stay in your current home throughout the term of the loan. It is not such a good option for someone who wants to move to another property in the foreseeable future, or who wants to cut down on the term of their loan. 2. Variable rate home loan A variable home loan is far more versatile, with the option of making extra payments at no extra cost, enabling you to pay the loan off sooner. Your loan might also offer unlimited redraws, so you can access money in an emergency. Another positive feature is the offset account, a transaction account linked to your mortgage account which reduces your interest payable. This is a good option if you want to invest the maximum into your mortgage, with the freedom to redraw in an emergency. However, as the interest rates will vary from payment to payment, it is not such a good option if you struggle to budget for unpredictable changes in the loan repayments. 3. Split loan The split loan offers the advantages of both fixed and variable loans. You can split your loan into any proportion you wish – 50/50 or 80/20. One of the benefits of the split loan is that payments will gradually decrease, as the steady fixed rate payments lower the amount of the loan, so that the variable payment is proportionally lower at times when interest rates rise. 4. Interest only loan With an interest only loan, you pay only the interest on the loan for the initial term, usually from one to five years. Your monthly repayments are considerably lower, although this is because you are not reducing the principal of the loan. At the end of the interest only term, your repayments will rise as you must start paying both interest and principal. This can end up being an extremely expensive option if you are not sure what you are doing. However, investors tend to choose interest only loans, as they can take advantage of low repayments over a set period, before they resell the investment property. 5. Low Doc The low doc loan has lower requirements for proof of income and credit rating, yet they also require a higher deposit and charge higher interest rates. For someone with a unstable credit history or employment background, the low doc loan will be difficult to pay off. While this option can be popular with self-employed people, who don’t have the same level of documentation to prove their income, the excessively high interest rate generally makes it a bad long term choice. If this is your only option for a loan, your best alternative might be to wait until you can be approved for a different type of loan. Previous Next

Understand the key differences between fixed and variable interest rates for your mortgage. Explore which option aligns best with your financial needs. Fixed vs Variable Interest Rates: What’s the Difference and Which Is Better for You? Choosing the right home loan is one of the most important steps when buying a property. Selecting the wrong loan structure can affect your long-term affordability, lifestyle, and financial stability. One of the biggest decisions you’ll face is whether to choose a fixed interest rate or a variable interest rate home loan . Both loan types have clear advantages and disadvantages, and the right choice depends on your goals, your lifestyle, and your personal risk tolerance. In some cases, you may even choose a split loan, combining the best of both worlds. Below, we break down the key differences to help you make an informed decision. What Is a Variable Interest Rate? (Moves Up and Down) A variable rate home loan has an interest rate that fluctuates over time. The rate is influenced by several factors, including: Economic conditions Inflation Reserve Bank of Australia (RBA) cash rate decisions Bank funding costs When the RBA cuts rates, lenders often pass on these savings to borrowers—but not always. Key Features of Variable Rates ✅ Flexibility in repayments Most variable home loans allow unlimited extra repayments, enabling you to pay off your mortgage faster and save on interest. ✅ Access to useful features Common features include: Redraw facilities Offset accounts Ability to refinance without break costs No fixed-term lock-ins ❗ Rates can rise While you benefit when rates drop, you also take on the risk of higher repayments if the market shifts. Who is Variable Rates Best for? Borrowers comfortable with fluctuating repayments Homeowners planning to make extra repayments Investors wanting access to features like offset accounts Anyone who values flexibility in their loan What Is a Fixed Interest Rate? (Stays the Same) A fixed-rate home loan locks in your interest rate for a set period—usually 1 to 5 years. During this time, your repayments stay exactly the same, regardless of what happens to interest rates in the wider market. Most borrowers choose to fix their rate when they expect variable rates to rise. Key Benefits to Fixed Rates ✅ Repayment certainty Fixed repayments make budgeting predictable. This is helpful for families, first-home buyers, or investors wanting stable cash flow. ✅ Protection from rate rises If interest rates increase, your loan stays protected at the locked-in rate. Important Considerations for Fixed Rates ❗ Limited Extra Repayments : Many lenders cap how much extra you can repay (e.g. $5,000–$10,000 per year). ❗ Break Fees Apply: If you refinance, sell, or pay out your loan early during the fixed period, you may face break costs—which can be substantial. ❗ Reduced loan features: During a fixed term, features like: Offset accounts Unlimited redraw Large lump-sum repayments are often restricted. Who Is a Fixed Rate Best For? Borrowers wanting stability and predictable repayments Homeowners expecting rates to rise Those working to a strict budget Who Is a Split Loan? ( Best of Both Worlds ) A split loan lets you divide your mortgage into two parts: One portion at a fixed rate The other at a variable rate This gives you a balance of stability and flexibility. Benefits of Split Loans? Protection from interest-rate rises on the fixed portion Ability to make extra repayments on the variable portion Some access to features like offset accounts Helps smooth out financial risk Who Should Consider a Split Loan? Borrowers unsure which option to commit to Anyone wanting repayment stability and flexibility Investors wanting partial access to offset or redraw features How Do You Choose the Right Home Loan Rate? There is no universal “right” answer—only what suits your financial situation. When deciding between fixed, variable, or split. Ask yourself: Do I prefer certainty or flexibility? Am I comfortable if rates rise? Will I make extra repayments? How important are features like offset or redraw? Am I planning to refinance or sell soon? Your choice should support your long-term goals—not just today’s interest rate environment. Get Expert Guidance on the Right Home Loan Option Every borrower’s situation is unique. If you’re unsure which loan structure suits your needs, speak with our mortgage experts today. We’ll help you compare your options, understand your borrowing power, and guide you toward the most cost-effective solution. Facebook X (Twitter) WhatsApp Copy link Need More Information? Talk to Our Home Loan Experts Today. Book Your Free Consultation We're Here To Support You Through The Entire Home Buying Journey. Speak to a Home Loan Expert Make an E nquiry Send us an enquiry or call 1300 103 998. Our team will get back to you within 30 minutes during business hours — and our service is completely free. Get a pre-approval We’ll review your situation, help you understand your borrowing power, and organise your home loan pre-approval. We’ll also check your eligibility for Australian Government first home buyer grants to help you get into the property market sooner. House Hunt Once you're pre-approved, you can confidently start house hunting. We can also introduce you to trusted conveyancers and buyers agents to help guide you through every stage of your home-buying journey. Settlement Once you sign the contract, our team will manage the loan settlement with the bank, ensuring a smooth transition to becoming a homeowner. Our service doesn’t stop here — we’ll check in with you every six months to make sure everything is going smoothly.

Know someone who needs help with their home loan? Refer a friend or family member to Simple Easy Finance and our expert team will take great care of them. Refer a Friend or Family Member Most of our clients are referred by people we’ve helped before, and we truly appreciate the trust you place in our team. If you know a friend, family member, or colleague who could benefit from expert home loan advice, simply share their details below. A quick heads-up to let them know you’ve referred them is always appreciated. Friend’s Name* Mobile Number* What they need help with? Your Full Name * Submit Who Were You Thinking Of Referring? Other Ways to Refer Tell them to send us an enquiry available here . Tell them to give us a call on 1300 103 998 . Share their name and mobile with your broker. Every Referral Enters You Into Our Quarterly Reward Program Reward Program ABOUT OUR SERVICE We do not charge a fee for our service 0 $ Negotiate offers from 40+ lenders 40 + % 98 Application approval rate 6 months Half yearly reviews to help you save

Our team of mortgage experts is ready to help you with the next steps of your home loan journey. The team will review options from 40+ lenders and feel confident you are making the best decision. Work with Simple Easy Finance for hassle free home loan experience. WE'D LOVE TO HELP YOU WITH YOUR HOME LOAN Book a 20-minute call with our mortgage expert to review your numbers and find the best home loan for you. Our service is obligation-free, and we do not charge any fees. Access to 40+ Lenders We help you find the most suitable home loan options tailored to your unique circumstances from our network of over 40 lenders. Clarity and Confidence We provide clear, easy-to-understand comparisons so you can make informed decisions with confidence. Support Every Step of the Way We guide you through the entire process, making your home loan journey simple and stress-free. What Are You Looking to Do? Select an option below to schedule a meeting Buy a Property Refinance My Home Loan Debt Consolidation/ Cash Out ABOUT OUR SERVICE We do not charge a fee for our service 0 $ Negotiate offers from 40+ lenders 40 + % 98 Application approval rate 6 months Half yearly reviews to help you save

Discover the 9 essential steps for buying your home, from initial property search to attending auctions. Get expert guidance to navigate the home buying process successfully. 9 Essential Steps to Buying Your First Home in Australia Buying your first home is one of the biggest financial decisions you’ll ever make. To help first home buyers feel confident and prepared, we’ve created a simple, step-by-step guide covering everything from home loan pre-approval to settlement day. Speak to a Home Loan Expert 5.0 ( 400+ Google Reviews ) First Home Buyer Guide 1. Get Your Home Loan Pre-Approval The first step for any first home buyer is understanding your borrowing capacity and securing home loan pre-approval. Speak with a mortgage broker to help you compare lenders, explain variable vs fixed rates, and ensure you’re eligible for first home buyer schemes and stamp duty concessions. Pre-approval shows sellers you’re a serious buyer and helps you avoid finance delays later. 2. Start Your Property Search Begin browsing on Domain or Realestate.com.au to compare sale prices, research suburbs, and shortlist properties. First home buyers often start with a dream suburb — but if prices are too high, consider neighbouring areas to find better value. Use filters to refine your search by price, property type, land size, school zones, and commute times. 3. Attend Property Inspections (First Home Buyer Checklist) Inspections are essential when buying your first home. Use the inspection planner on real estate apps to track open homes without rushing. When inspecting a property, check: Overall condition Layout and natural light water damage or cracks surrounding noise levels local amenities (schools, shops, transport, childcare, parks) Taking your time will help you avoid costly surprises later. 4. Request the Contract of Sale When you find a property you like, request the Contract of Sale and send it to your conveyancer or solicitor for review. This is especially important for first home buyers, as the contract outlines key details such as inclusions, settlement terms, and special conditions. Only request contract reviews for homes you are seriously considering to avoid unnecessary fees. 5. Order Building, Pest or Strata Reports Before buying, it’s essential to check the property’s condition. For houses: organise a building and pest inspection (from $500) For units/apartments: request a strata report (around $300), which outlines levies, maintenance, insurance and upcoming works Also check insurance quotes to see if the property is in a flood zone or bushfire-prone area — a common concern for first home buyers. 6. Research Market Value Before Making an Offer Before making an offer, research recent sale prices for similar homes in the area. We can provide RP Data property reports, suburb trends, and market insights to help first home buyers understand whether a property is priced realistically. This step helps prevent overpaying and boosts confidence during negotiations. \ 7. Understand Private Treaty vs Auction Many first home buyers are unsure whether to buy via private treaty or auction. Private Treaty Sale: You make an offer and negotiate Often includes a cooling-off period Allows time for valuation and formal loan approval (varies by state) Auction: No cooling-off period A 10% deposit is required immediately if you win. You must have home loan pre-approval and a clear budget before bidding Your mortgage broker can help you prepare by estimating your maximum bidding limit. 8. Contract Exchange & Paying the Deposit Once both parties sign, the contract is exchanged, making it legally binding. You’ll pay your agreed deposit, which stays in the agent’s trust account until settlement. Send the signed contract to your mortgage broker and conveyancer so they can organise loan documents, valuation, and settlement preparation. 9. Settlement – Becoming a Homeowner Settlement is the final step where you pay the balance of the purchase and officially become the legal owner of your first home. Your conveyancer and mortgage broker will coordinate the transfer of funds, settlement booking, and loan drawdown. Once settlement is complete, you’ll receive the keys to your new home — congratulations! Need More Information? Talk to Our Home Loan Experts Today. Book Your Free Consultation Facebook X (Twitter) WhatsApp Copy link More Resources for First Home Buyers Learn About the Australian Government’s 5% Deposit Scheme for First Home Buyers Read More 8 Auction Bidding Tips to Help You Buy Your Home Successfully Read More Why You Need Home Loan Pre-Approval Before You Buy – Your Questions Answered Read More How Guarantor Home Loans Work When Buying a Property With No Deposit (100% Borrowing) Read More We're Here To Support You Through The Entire Home Buying Journey. Speak to a Home Loan Expert Make an E nquiry Send us an enquiry or call 1300 103 998. Our team will get back to you within 30 minutes during business hours — and our service is completely free. Get a Pre-approval We’ll review your situation, help you understand your borrowing power, and organise your home loan pre-approval. We’ll also check your eligibility for Australian Government first home buyer grants to help you get into the property market sooner. House Hunt Once you're pre-approved, you can confidently start house hunting. We can also introduce you to trusted conveyancers and buyers agents to help guide you through every stage of your home-buying journey. Settlement Once you sign the contract, our team will manage the loan settlement with the bank, ensuring a smooth transition to becoming a homeowner. Our service doesn’t stop here — we’ll check in with you every six months to make sure everything is going smoothly.

Refer your friends or family and go in the chance to win 3 x $500 gift vouchers! Plus, earn bonus points for leaving Google reviews. Start referring today and enjoy the rewards! Join Our Rewards Program Win 3 x $500 Every Quarter! How It Works Earn entries into our quarterly draw for a chance to win 3X $500. There are two ways to earn entries: Earn entries for every new referral We hope your experience with us was excellent! Recommend us to friends and family, and for each referral we speak to, you automatically earn entries into the draw. Refer a Friend Google Review Bonus Leave us a review on Google for an extra draw entry! Entries credited only for clients we've worked with. Leave a Review Best Way to Refer Your Friends and Family Tell them to send us an enquiry available here . Tell them to give us a call on 1300 103 998 . Share their name and mobile with your broker. Rewards Program FAQs What are the key dates for the quarterly reward draw? • 1 Feb 2025 - 30th April 2025 • 1 May 2025 - 31 July 2025 • 1 August 2025 - 31 October 2025 • 1 Nov 2025 - 31 Jan 2026 • 1 Feb 2026- 30th April 2026 • 1 May 2026 - 31 July 2026 • 1 August 2026 - 31 October 2026 • 1 Nov 2026 - 31 Jan 2027 Draw Details: • The draw occurs one week after each quarter ends. • Winners will be notified via email and a call. How will I be notified if I win an reward? You will be notified via an email and a call. How can I confirm my entry into the draw? An email will be sent at the beginning of each month confirming your entry if we've spoken to your referral from the prior month. What should I do if I haven't received a notification email despite knowing my referral has been contacted? Feel free to reach out to us through email or SMS your broker. In some situations, we may face challenges in identifying the referral source if the contact fails to provide your full name or contact details. What qualifies as a valid referral? A valid referral is someone whom we haven't previously engaged with, and who genuinely has a home loan enquiry. What is the recommended way to refer someone? • Encourage your contacts to submit an online enquiry. • Ensure they include your full name in the referral field for proper identification. Will i receive multiple entries if i refer someone and provide a google review Yes, absolutely! You will receive one entry for your referral and one entry for your review. ABOUT OUR SERVICE We do not charge a fee for our service 0 $ Negotiate offers from 40+ lenders 40 + % 98 Application approval rate 6 months Half yearly reviews to help you save

Simple Easy Finance are professional mortgage brokers that specialise in helping first home buyers and property investors find the right home loan and structure for their situation. Privacy Policy Respecting your privacy We respect your personal information, and this Privacy Policy explains how we handle it. The policy covers Simple Easy Finance Pty Ltd. This Policy also includes our credit reporting policy, that is, it covers additional information on how we manage your personal information collected in connection with a credit application, or a credit facility. We refer to this credit-related information below as credit information. What personal information do we collect and hold? The types of information that we collect and hold about you could include: ID information such as your name, postal or email address, telephone numbers, and date of birth; other contact details such as social media handles; financial details such as your tax file number; and other information we think is necessary. When the law authorises or requires us to collect information? We may collect information about you because we are required or authorised by law to collect it. There are laws which require us to collect personal information. For example, we require personal information to verify your identity under Australian Anti-Money Laundering law. What do we collect via your website activity If you’re an internet customer of ours, we monitor your use of internet services to ensure we can verify you and can receive information from us, and to identify ways we can improve our services for you. If you start but don’t submit an on-line application, we can contact you using any of the contact details you’ve supplied to offer help completing it. The information in applications will be kept temporarily then destroyed if the application is not completed. We also know that some customers like to engage with us through social media channels. We may collect information about you when you interact with us through these channels. However, for all confidential matters, we’ll ensure we interact with you via a secure forum. To improve our services and products, we sometimes collect de-identified information from web users. That information could include IP addresses or geographical information to ensure your use of our web applications is secure. How do we collect your personal information? How we collect and hold your information Unless it’s unreasonable or impracticable, we will try to collect personal information directly from you (referred to as ‘solicited information’). For this reason, it’s important that you help us to do this and keep your contact details up-to-date. There are a number of ways in which we may seek information from you. We might collect your information when you fill out a form with us, when you’ve given us a call or used our website. We also find using electronic means, such as email or SMS, a convenient way to communicate with you and to verify your details[1] . How we collect your information from other sources Sometimes, we will collect information about you from other sources as the Privacy Act 1988 permits. We will do this only if it’s reasonably necessary to do so, for example, where: we collect information from third parties about the loan or lease made available to you arising out of the services we provide you; we can’t get hold of you and we rely on public information (for example, from public registers or social media) or made available by third parties) to update your contact details; or we exchange information with your legal or financial advisers or other representatives. What if you don’t want to provide us with your personal information? If you don’t provide your information to us, it may not be possible: for us to give you the credit assistance you seek from us; to assist in finding a loan or lease relevant to your circumstances; verify your identity or protect against fraud; or to let you know about other products or services that might be suitable for your financial needs. How we collect and hold your credit information We will collect your credit information in the course of you answering the enquiries we make of you relating to the credit assistance you seek from us. In addition to what we say above about collecting information from other sources, other main sources for collecting credit information are: your co-loan applicants or co-borrowers; your guarantors/proposed guarantors; your employer, accountant, real estate agent or other referees; your agents and other representatives like the person who referred your business to us, your solicitors, conveyancers and settlement agents; organisations that help us to process credit applications; organisations that check the security you are offering such as valuers; bodies that issue identification documents to help us check your identity; and our service providers involved in helping us to process any application you make for credit through us. What do we do when we get information we didn’t ask for? Sometimes, people share information with us we haven’t sought out (referred to as ‘unsolicited information’). Where we receive unsolicited personal information about you, we will check whether that information is reasonably necessary for our functions or activities. If it is, we’ll handle this information the same way we do with other information we seek from you. If not, we’ll ensure we do the right thing and destroy or de-identify it. When will we notify you that we have received your information? When we receive personal information from you directly, we’ll take reasonable steps to notify you how and why we collected your information, who we may disclose it to and outline how you can access it, seek correction of it or make a complaint. Sometimes we collect your personal information from third parties. You may not be aware that we have done so. If we collect information that can be used to identify you, we will take reasonable steps to notify you of that collection. How do we take care of your personal information? We store information in different ways, including in paper and electronic form. The security of your personal information is important to us and we take reasonable steps to protect it from misuse, interference and loss, and from unauthorised access, modification or disclosure. Some of the ways we do this are: document storage security policies; security measures for access to our systems; and only giving access to personal information to a person who is verified to be able to receive that information We may store personal information physically or electronically with third party data storage providers. Where we do this, we use contractual arrangements to ensure those providers take appropriate measures to protect that information and restrict the uses to which they can put that information. What happens when we no longer need your information? We’ll only keep your information for as long as we require it for our purposes. We may be required to keep some of your information for certain periods of time under law. When we no longer require your information, we’ll ensure that your information is destroyed or de-identified. How we use your personal information? What are the main reasons we collect, hold and use your information? Collecting your personal information allows us to provide you with the products and services you’ve asked for. This means we can use your information to: give you credit assistance; give you information about loan products or related services including help, guidance and advice; consider whether you are eligible for a loan or lease or any related service you requested including identifying or verifying you or your authority to act on behalf of a customer; assist you to prepare an application for a lease or a loan; administer services we provide, for example, to answer requests or deal with complaints; and administer payments we receive, or any payments we make, relating to your loan or lease. Can we use your information for marketing our products and services? We may use or disclose your personal information to let you know about other products or services we or a third party make available and that may be of interest to you. We will always let you know that you can opt out from receiving marketing offers. With your consent, we may disclose your personal information to third parties for the purpose of connecting you with other businesses or customers. You can ask us not to do this at any time. We won’t sell your personal information to any organisation. Yes, You Can Opt-Out You can let us know at any time if you no longer wish to receive direct marketing offers from us. We will process your request as soon as practicable. What are the other ways we use your information? We’ve just told you some of the main reasons why we collect your information, so here’s some more insight into the ways we use your personal information including: telling you about other products or services we make available and that may be of interest to you, unless you tell us not to; identifying opportunities to improve our service to you and improving our service to you; allowing us to run our business efficiently and perform general administrative tasks; preventing any fraud or crime or any suspected fraud or crime; as required by law, regulation or codes binding us; and any purpose to which you have consented. Who do we share your personal information with? To make sure we can meet your specific needs and for the purposes described in ‘How we use your personal information’, we sometimes need to share your personal information with others. We may share your information with other organisations for any purposes for which we use your information. Sharing Your Information We may use and share your information with other organisations for any purpose described above. Sharing with your representatives and referees We may share your information with: your representative or any person acting on your behalf (for example, lawyers, settlement agents, accountants or real estate agents); and your referees, like your employer, to confirm details about you. Sharing with third parties We may share your information with third parties in relation to services we provide to you or goods or services in which we reasonably consider you may be interested. Those third parties may include: the Broker Group through whom we may submit loan or lease applications to lenders or lessors on the Broker Group’s panel. You can view our Broker Group’s privacy notice at http://www.planaustralia.com.au/privacy-policy . It sets out how that Broker Group manages your personal information and where you can find its privacy policy; the Licensee, BLSSA Pty Ltd, that authorises us to engage in credit activities. You can view BLSSA’s privacy notice at the same internet address as our Broker Group’s privacy notice. It sets out how BLSSA manages your personal information and where you can find its privacy policy; referrers that referred your business to us; financial services suppliers with whom we have arrangements; valuers; lenders, lessors, lender’s mortgage insurers and other loan or lease intermediaries; organisations, like fraud reporting agencies, that may identify, investigate and/or prevent fraud, suspected fraud, crimes, suspected crimes, or other misconduct; government or regulatory bodies as required or authorised by law. In some instances, these bodies may share the information with relevant foreign authorities; guarantors and prospective guarantors of your loan or lease; service providers, agents, contractors and advisers that assist us to conduct our business for purposes including, without limitation, storing or analysing information; any organisation that wishes to take an interest in our business or assets; and any third party to which you consent to us sharing your information. Sharing outside of Australia We may use overseas organisations to help conduct our business. As a result, we may need to share some of your information (including credit information) with such organisations outside Australia. The countries in which those organisations are located are: India and Philippines We may store your information in cloud or other types of networked or electronic storage. As electronic or networked storage can be accessed from various countries via an internet connection, it’s not always practicable to know in which country your information may be held. If your information is stored in this way, disclosures may occur in countries other than those listed. Overseas organisations may be required to disclose information we share with them under a foreign law. In those instances, we will not be responsible for that disclosure. Where we transfer your information from the EEA’ to a recipient outside the EEA we will ensure that an adequate level of protection is in place to protect your personal information such as putting in place contractual protections to ensure the security of your information . How do you access your personal information? We‘ll always give you access to your personal information unless there are certain legal reasons why we can’t. You can ask us in writing to access your personal information that we hold. In some cases we may be able to deal with your request over the phone. We will give you access to your information in the form you want it where it’s reasonable and practical. We may charge you a small fee to cover our costs when giving you access, but we’ll always check with you first. We’re not always required to give you access to your personal information. Some of the situations where we don’t have to give you access include when: we believe there is a threat to life or public safety; there is an unreasonable impact on other individuals; the request is frivolous; the information wouldn’t be ordinarily accessible because of legal proceedings; it would prejudice negotiations with you; it would be unlawful; it would jeopardise taking action against serious misconduct by you; it would be likely to harm the activities of an enforcement body (e.g. the police); or it would harm the confidentiality of our commercial information. If we can’t provide your information in the way you’ve requested, we will tell you why in writing. If you have concerns, you can complain. See ‘Contact Us’. How do you correct your personal information? Contact us if you think there is something wrong with the information we hold about you and we’ll try to correct it if it’s: inaccurate; out‑of‑date; incomplete; irrelevant; or misleading. If you are worried that we have given incorrect information to others, you can ask us to tell them about the correction. We’ll try and help where we can - if we can’t, then we’ll let you know in writing. What additional things do we have to do to correct your credit information? If you ask us to correct credit information, we will help you with this in the following way. Helping you manage corrections Whether we made the mistake or someone else made it, we are required to help you ask for the information to be corrected. So we can do this, we might need to talk to others. However, the most efficient way for you to make a correction request is to send it to the organisation which made the mistake. Where we correct information If we’re able to correct the information, we’ll let you know within five business days of deciding to do this. We’ll also let the relevant third parties know as well as any others you tell us about. If there are any instances where we can’t do this, then we’ll let you know in writing. Where we can’t correct information If we’re unable to correct your information, we’ll explain why in writing within five business days of making this decision. If you have any concerns, you can access our external dispute resolution scheme or make a complaint to the Office of the Australian Information Commissioner. Time frame for correcting information If we agree to correct your information, we’ll do so within 30 days from when you asked us, or a longer period that’s been agreed by you. If we can’t make corrections within a 30 day time frame or the agreed time frame, we must: let you know about the delay, the reasons for it and when we expect to resolve the matter; ask you to agree in writing to give us more time; and let you know you can complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner. How do you make a complaint? If you have a complaint about how we handle your personal information, we want to hear from you. You are always welcome to contact us. You can contact us by using the details below: mail@simpleeasyfinance.com.au We are committed to resolving your complaint and doing the right thing by our customers. Most complaints are resolved quickly, and you should hear from us within five business days. Need more help? If you still feel your issue hasn't been resolved to your satisfaction, then you can raise your concern with the Office of the Australian Information Commissioner: Online: www.oaic.gov.au/privacy Phone: 1300 363 992 Email: enquiries@oaic.gov.au Fax: +61 2 9284 9666 Mail: GPO Box 5218 Sydney NSW 2001 or GPO Box 2999 Canberra ACT 2601 What additional things do we have to do to manage your complaints about credit information? If your complaint relates to how we handled your access and correction requests You may take your complaint directly to our external dispute resolution scheme or the Office of the Australian Information Commissioner. You are not required to let us try to fix it first. For all other complaints relating to credit information If you make a complaint about things (other than an access request or correction request) in relation to your credit information, we will let you know how we will deal with it within seven days. Ask for more time if we can’t fix things in 30 days If we can’t fix things within 30 days, we’ll let you know why and how long we think it will take. We will also ask you for an extension of time to fix the matter. If you have any concerns, you may complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner. Letting you know about our decision We’ll let you know about our decision within 30 days or any longer agreed time frame. If you have any concerns, you may complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner. Contact Us We care about your privacy. Please contact us if you have any questions or comments about our privacy policies and procedures. We welcome your feedback. You can contact us by using the details below: mail@simpleeasyfinance.com.au What if you want to interact with us anonymously or use a pseudonym? If you have general enquiry type questions, you can choose to do this anonymously or use a pseudonym. We might not always be able to interact with you this way, however, as we are often governed by regulations that require us to know who we’re dealing with. In general, we won’t be able to deal with you anonymously or where you are using a pseudonym when: it is impracticable; or we are required or authorised by law or a court/tribunal order to deal with you personally. What do we do with government-related identifiers? In certain circumstances we may be required to collect government-related identifiers such as your tax file number. We will not use or disclose this information unless we are authorised by law. Changes to this Privacy Policy This Policy may change. We will let you know of any changes to this Policy by posting a notification on our website. [1] However we’ll never ask you for your security details in this way – if you are ever unsure, just contact us

Discover the pros and cons of offset accounts versus redraw facilities to decide which is best for managing your mortgage. Offset vs Redraw: What’s the Difference and Which Home Loan Feature Is Better? When comparing home loans in Australia, one of the most common questions borrowers ask is: “What’s the difference between an offset account and a redraw facility?” Both features can help reduce the interest you pay on your mortgage and potentially save you thousands over the life of your loan. However, each works differently and offers unique benefits depending on your financial habits, goals, and property strategy. Below is a clear breakdown to help you understand how each feature works and which option may suit you best. What Is an Offset Account? An offset account is a transaction account linked to your home loan. It works just like an everyday bank account—you can deposit your salary, make payments, transfer money, and spend using a debit card. The balance in your offset account reduces the amount of interest charged on your home loan balance. How an Offset Account Saves You Money If you have: $500,000 owing on your home loan $100,000 sitting in your offset account You will only pay interest on $400,000. This can significantly reduce interest costs and help you pay off your home loan sooner. Benefits of an Offset Account ✅ Full transaction capability Spend or transfer money at any time, just like a normal bank account. ✅ Immediate access to funds Money is available instantly—no processing delays. ✅ Powerful for interest savings Every dollar in offset works 24/7 to reduce your home loan interest. Who Is an Offset Account Best For? Borrowers who keep a positive account balance Households that like financial flexibility Investors wanting to preserve tax deductibility (very important) Anyone wanting full control of their cash flow What is a Redraw Facility? A redraw facility lets you access extra repayments you’ve made on your home loan. Instead of keeping money in a separate account, you reduce your loan balance by paying more than your minimum repayments. This extra money can later be redrawn (or borrowed back) when needed. How Redraw Works You make extra repayments These go directly toward your loan balance Your interest charged reduces You can access the extra amount later via redraw Example of a Redraw Facility? If you owe $500,000 on your mortgage and you’ve made $100,000 in extra repayments, your interest is charged on $400,000. Benefits of a Redraw Facility? ✅ Great for disciplined savers Money is tucked away within your mortgage, reducing the temptation to spend. ✅ Effective for long-term interest reduction Extra repayments help shorten your loan term. Who Is a Redraw Facility Best For? Borrowers wanting a structured way to make extra repayments People who prefer fewer transaction accounts Homeowners committed to reducing their mortgage quickly Need More Information? Talk to Our Home Loan Experts Today. Book Your Free Consultation Facebook X (Twitter) WhatsApp Copy link We're Here To Support You Through The Entire Home Buying Journey. Speak to a Home Loan Expert Make an E nquiry Send us an enquiry or call 1300 103 998. Our team will get back to you within 30 minutes during business hours — and our service is completely free. Get a pre-approval We’ll review your situation, help you understand your borrowing power, and organise your home loan pre-approval. We’ll also check your eligibility for Australian Government first home buyer grants to help you get into the property market sooner. House Hunt Once you're pre-approved, you can confidently start house hunting. We can also introduce you to trusted conveyancers and buyers agents to help guide you through every stage of your home-buying journey. Settlement Once you sign the contract, our team will manage the loan settlement with the bank, ensuring a smooth transition to becoming a homeowner. Our service doesn’t stop here — we’ll check in with you every six months to make sure everything is going smoothly.