Off The Desk w/ The Kelly Brothers
Oct 16, 2026 · 33 min · 11 segments
Episode 20 of ‘Off The Desk!’ 🎙️ Join the Kelly Brothers, Tom & Steve as they dive into real talk around business, mindset, fitness, family, life, and the journey behind success! 📈 This podcast is…
Speaking of, What's the, have you seen any flow effects? What's happening? What's going on in the market? Borrowing capacity is down just a little bit.
Like I think normally if it's a shock one or if it's really 50-50, we seem to get a lot of calls the day of like, what does this mean? But I think everyone, and maybe because we've already had three this year, like everyone sort of gets, hey, my repayment's going to go up by a little bit, rates are up again.
because we're still not seeing the same level of activity from the bank's perspective so refinances are really competitive um because banks want more business so like now's the time to be reviewing your current home loan commercial loan why
Some will increase their repayment as soon as the rate goes up in line with the RBA movements.
Some other banks do more of an annual test on your repayment, you know, how many years you've got left.
the repayment, the interest rate that you've got, and then they adjust your repayment from there.
So it's not always like instant that the repayment moves, but a lot roll through pretty quickly to make sure that you're not, it's not a massive jump because if it's left to annual, it could be quite a few rises before they adjust your repayments.
Again, like most of them are rolling through, especially if you're quite a bit out, the banks have mechanisms just to make sure they're updating the repayment amount to make sure you pay off the loan in the term.
Speaking of, What's the, have you seen any flow effects? What's happening? What's going on in the market? Borrowing capacity is down just a little bit.
Like I think normally if it's a shock one or if it's really 50-50, we seem to get a lot of calls the day of like, what does this mean? But I think everyone, and maybe because we've already had three this year, like everyone sort of gets, hey, my repayment's going to go up by a little bit, rates are up again.
because we're still not seeing the same level of activity from the bank's perspective so refinances are really competitive um because banks want more business so like now's the time to be reviewing your current home loan commercial loan why
Some will increase their repayment as soon as the rate goes up in line with the RBA movements.
Some other banks do more of an annual test on your repayment, you know, how many years you've got left.
the repayment, the interest rate that you've got, and then they adjust your repayment from there.
So it's not always like instant that the repayment moves, but a lot roll through pretty quickly to make sure that you're not, it's not a massive jump because if it's left to annual, it could be quite a few rises before they adjust your repayments.
Again, like most of them are rolling through, especially if you're quite a bit out, the banks have mechanisms just to make sure they're updating the repayment amount to make sure you pay off the loan in the term.
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