The Rate Drop - Australian Refinance Podcast

Refinancer
  • 5.0 (1)
  • Investing
  • Updated Monthly

Your go-to finance podcast for real talk on money, mortgages & Australia’s rate rollercoaster. Every episode, we strip back the jargon and break down the big money moves shaping your wallet — from interest rates, refinancing strategies, loan hacks and market shifts, to smart ways you can save, invest or refinance with confidence. Whether you’re a homeowner, investor or just want to understand what’s happening with rates and your finances, we keep it simple, practical and worth your time. Expect useful insights, honest conversations and an Australian perspective on money.

Episodes

  1. 18 Aug

    Refinance Deals Are Back (Huge Cashback) | The Rate Drop Podcast #6

    Refinance now: https://www.refinancerloans.com.au/ge..00:00 - Teaser00:40 - Intro01:00 - One of the Better Deals on the Market02:50 - Why Bank of China?10:00 - Where Is the Property Market Heading?15:16 - SMSF's New Limitations Explained17:18 - The Commercial Property Opportunity18:36 - Opportunities for Self-Employed Borrowers21:28 - How to Invest Through an SMSF22:49 - How to Pay Off Your Mortgage in 7 Years28:23 - Borrowing Capacity Hacks for Investors37:27 - What Can Reduce Your Borrowing Power?40:01 - Share Investing: The ABCs45:57 - Logan Paul's Biggest Pokémon Card Sale50:48 - Investing in Collectables54:43 - World Cup Takeaways01:01:48 - FIFA Crazy Numbers01:04:34 - The De Beers Diamond Theory01:10:50 - We'd Love to HelpWhat does the mortgage market actually look like for borrowers right now?Dom Trimboli (Founder of Refinancer) and Rob D'Agostino (Mortgage Broker of the Year) get around the table for an unfiltered conversation about lending, mortgage deals, borrowing capacity, and what's happening across the Australian property market.They break down what they're seeing with lenders, how borrowing capacity is changing, and the opportunities borrowers may be missing when it comes to their home loan.No spin. No complicated finance talk. Just two people who work inside the lending industry every day talking about what they're seeing and what borrowers should be thinking about right now.If you've got a mortgage, you're looking to refinance, or you're thinking about buying property — this one is worth your time.Subscribe for honest discussions, market updates, and practical finance insights for Australians.Refinance now: https://www.refinancerloans.com.au/ge..Contact us: hello@refinancerloans.com.auApply today: http://www.refinancer.com.au#RefinancerPodcast #TheRateDrop #MortgageRates #MortgageTalk #PropertyMarket #HomeLoans #AustralianFinance #BorrowingCapacity #Refinance #InterestRatesAustraliaThis episode contains general information only and does not take into account your personal objectives, financial situation, or needs. It is not financial advice. Please consider seeking advice from a licensed professional before making any financial decisions.

  2. 29 May

    Hacks After Australia Federal Budget | The Rate Drop Podcast #5

    Refinance now: https://www.refinancerloans.com.au/ge..The budget is out. And not everyone is buying what the government is selling.Dom Trimboli (Founder of Refinancer), Rob D'Agostino (Mortgage Broker of the Year), and Michael Guerrera (Mortgage Broker) get around the table for an unfiltered take on what this budget actually means for your money, your property, and your future.No spin. No political fluff. Just three people who work inside the lending industry every single day telling you what they're seeing, what they're doing, and what you should be thinking about right now.If you've got a mortgage, an investment, or you're trying to get into the market — this one is worth your time.Subscribe for honest discussions, market updates, and practical finance insights for Australians.Refinance now: https://www.refinancerloans.com.au/ge..Contact us: hello@refinancerloans.com.auApply today: http://www.refinancer.com.au#RefinancerPodcast #TheRateDrop #AustralianBudget2026 #MortgageTalk #PropertyMarket #HomeLoans #AustralianFinance #NegativeGearing #CapitalGainsTax #RefinanceThis episode contains general information only and does not take into account your personal objectives, financial situation, or needs. It is not financial advice. Please consider seeking advice from a licensed professional before making any financial decisions.

  3. 22 Apr

    Fixed or Variable Right Now? | The Rate Drop Podcast #4

    Refinance now: https://www.refinancerloans.com.au/ge...00:00 - Teaser00:33 - Intro01:15 - Lightning Round: Fixed or Variable?04:00 - Global Events and Their Impact on Markets06:14 - If an Alien Landed With $300K, $3M or $30M08:44 - Rob’s Credit Card Points Strategy14:00 - Is It Harder to Get Loan Approval Right Now?16:47 - Getting a Home Loan When You're Self-Employed21:56 - Why Self-Employed Borrowers Need a Broker23:20 - Bitcoin’s Drop and Dom’s Take26:31 - When Is It the Right Time to Invest?30:57 - Adelaide Property Under $1M34:20 - Other Investments Worth Considering36:35 - Dom’s “Aunty Susan Rule”38:36 - Top 3 Investments in Australia42:34 - Offset vs Equity Explained47:16 - The Real Cost of Having a Child53:03 - Wealth and Health TipsInterest rate speculation is everywhere right now — and global events are making predictions harder than ever.In Episode 4 of The Rate Drop podcast, Dom Trimboli (Founder of Refinancer), Rob D’Agostino (Mortgage Broker of the Year), and Patrick Stewart (Platinum Broker) sit down for another open conversation about what’s really happening across lending, investing, and the Australian property market.The discussion moves through rate forecasting, how to interpret the latest RBA comments, fixed versus variable loan decisions, and whether it’s becoming tougher to get approved for finance. Along the way, the team shares practical insights from real lending scenarios, strategies for self-employed borrowers, and observations about property demand across Australia — including strong activity in Adelaide markets under $1M.They also explore investment thinking beyond property, talk about Bitcoin’s recent price movement, debate when the right time to invest actually is, and share personal rules and strategies that influence how they make financial decisions.If you’re refinancing, buying property, investing, or simply trying to understand how lending and money decisions are evolving in Australia, this episode offers a candid conversation from people working inside the industry every day.Subscribe for honest discussions, market updates, and practical finance insights for Australians.Refinance now: https://www.refinancerloans.com.au/ge...Contact us: hello@refinancerloans.com.auApply today: http://www.refinancer.com.au#RefinancerPodcast #TheRateDrop #InterestRatesAustralia #MortgageTalk #PropertyMarket #HomeLoans #AustralianFinance #InvestingAustralia #OffsetAccounts #RefinanceThis episode contains general information only and does not take into account your personal objectives, financial situation, or needs.It is not financial advice. Please consider seeking advice from a licensed professional before making any financial decisions.

  4. 21 Jan

    The Rate Drop #3: The Refinancer Podcast

    Rates haven’t moved — but lending rules, bank behaviour, and deal structures definitely have.In Episode 3 of the Refinancer Podcast, Dom Trimboli (Founder of Refinancer), Rob D’Agostino (Mortgage Broker of the Year), and Patrick Stewart (Platinum Broker) break down what’s really happening across Australian lending right now, alongside special guest Michael Guerrera, Mortgage Broker, who joins the conversation to share current deal insights and standout client stories.🎧 In this episode, we cover: Why interest rates haven’t moved yet — quick takes from Dom, Rob, and PatThe latest inflation data and what it actually meansA sharp discussion on rate forecasting.Fixed rate movements over the past three months and why they made sense90% lending with no LMI and how those structures are being usedHow 2% deposit scenarios are still possible in specific casesOwner-occupier and migrant lending across AustraliaLending changes impacting multi-property strategiesOffset account issues banks are being called out forGreenfield estates within 40 minutes of major citiesFixed vs variable lending decisions right nowIf you’re refinancing, buying, or trying to understand what’s really changing behind the scenes, this episode delivers clear insights without the noise.🔔 Subscribe for honest discussions, market updates, and practical finance insights for Australians. Refinance now: https://www.refinancerloans.com.au/ge... Contact us: hello@refinancerloans.com.au Apply today: http://www.refinancer.com.au Chapters: ⁠00:00⁠ - Teaser ⁠00:40⁠ - Intro ⁠01:17⁠ - Why Rates haven't moved? ⁠02:25⁠ - Inflation Data ⁠03:57⁠ - Rate Forecasting ⁠ 05:46⁠ - Fixed Rates Movement Over The Last 3 Months ⁠09:30⁠ - Special Guest: Michael Guerrera (Mortgage Broker) ⁠10:50⁠ - Michael Guerrera: Best Deals ⁠14:09⁠ - Michael Guerrera: Clients Wins ⁠18:27⁠ - How to Contact Michael ⁠19:35⁠ - Bitcoin Dropped is Dom Investing? ⁠ 22:53⁠ - The 90% No LMI Loan Product ⁠27:03⁠ - The Unlimited Borrowing Capacity Trick⁠ 30:15⁠ - Paddy Finance Ireland Story ⁠ 34:19⁠ - Why Dom Loves and Hates Japan ⁠38:07⁠ - Fixed or Variable?⁠ 40:30⁠ - The 2% Deposit ⁠ 47:33⁠ - Heat on Offset Accounts ⁠ 50:20⁠ - Greenfield Estates (40 minute from the city estates)⁠ 53:43⁠ - Money Advice, Useful Tips⁠ 56:25⁠ - Dubai Chocolate Trend #RefinancerPodcast #InterestRatesAustralia #MortgageTalk #PropertyMarket #HomeLoans #NoLMILoan #OffsetAccounts #FixedVsVariable #AustralianFinance This episode contains general information only and does not take into account your personal objectives, financial situation, or needs. It is not financial advice. Please consider seeking advice from a licensed professional before making any decisions.

  5. 21 Jan

    The Rate Drop #2: Interest Rates Falling Again?

    Rate drops, property moves, and a tuxedo twist? 🎙️ This episode has it all — from future market predictions and AI glasses to bad jokes and bold theories. We tackle big questions like: Should negative gearing go? What would you do with $100K? Future interest rate movements, and their impact on the property market. We also share current owner-occupier loan products and a surprising cash rate prediction to watch.Refinancer founder Dom Trimboli, Mortgage Broker of the Year Rob D’Agostino, and Platinum Broker Patrick Stewart come together for a live expert roundtable. Together, they share candid opinions, and offer strategic recommendations to help you navigate this rate environment with confidence.Whether you're considering refinancing, planning a property purchase, or simply staying ahead of the market—this episode provides valuable context at a critical moment. 📣 Join the discussion:What would you do with $100K? $2M now or the magic cent? Is it ever okay to recline your seat on a flight? Refinance now: https://www.refinancerloans.com.au/ge... Contact us: hello@refinancerloans.com.au Apply today: http://www.refinancer.com.au 🔔 Subscribe for expert insights, rate updates, and smart strategies tailored to the Australian market. Chapters: ⁠00:00⁠ - Intro ⁠ 01:43⁠ - Boundaries for the podcast⁠ 02:20⁠ - Future rate drops⁠ 05:45⁠ - How is going to impact property⁠ 12:01⁠ - Should abolish negative gearing?⁠ 15:26⁠ - Changes after May's rate cut ⁠19:35⁠ - AI glasses ⁠ 24:15⁠ - Rob got ripped off⁠ 28:26⁠ - Rob's Tuxedo story⁠ 31:18⁠ - Property market at the moment ⁠34:18⁠ - Dom's water meter problem ⁠ 37:40⁠ - Do bald people bring luck to others?⁠ 40:02⁠ - The two worst jokes someone ever told Rob⁠ 43:50⁠ - What to do with $100,000⁠ 46:26⁠ - AFL Sports bet ⁠ 47:17⁠ - Special Product owner occupier rates⁠ 48:32⁠ - $2 million up front or $0.01 cent double every single day? ⁠ 50:25⁠ - Chat GPT answer⁠ 54:35⁠ - The seat recline debate⁠ 01:03:45⁠ - Cash Rate prediction ⁠ 01:05:12⁠ - Message to THE VIEWER #RBADecision #InterestRatesAustralia #RefinancerPodcast #FinanceExperts #MortgageTips #HomeLoans #PropertyMarket #EconomicUpdate #RefinancingAustralia #rbaupdate This Podcast contains general information only and does not take into account your personal objectives, financial situation, or needs. It is not financial advice. Please consult a licensed financial adviser before making any financial decisions.

  6. 21 Jan

    The Rate Drop #1 - Unpacking May's RBA Cut

    📉 Breaking Finance News: The Reserve Bank of Australia has just announced a 0.25% interest rate cut, bringing the official cash rate down to 3.85%. This pivotal decision has already sent ripples through the mortgage and property markets—but what does it really mean for you? 🎙️ In today’s in-depth podcast episode, Refinancer founder Dom Trimboli, Mortgage Broker of the Year Rob D’Agostino, and Platinum Broker Patrick Stewart come together for a live expert roundtable. Together, they unpack the announcement, share candid opinions, and offer strategic recommendations to help you navigate this new rate environment with confidence.Whether you're considering refinancing, planning a property purchase, or simply staying ahead of the market—this episode provides valuable context at a critical moment. 📣 Join the discussion:What are your thoughts on the rate cut? Will it change your plans? Refinance now: https://www.refinancerloans.com.au/ge... Contact us: hello@refinancerloans.com.au Apply today: http://www.refinancer.com.au 🔔 Subscribe for expert insights, rate updates, and smart strategies tailored to the Australian market. Chapters: ⁠00:00⁠ - Intro ⁠ 02:23⁠ - Future Projections⁠ 05:30⁠ - What should homeowners do?⁠ 07:53⁠ - Interstate investing ⁠ 09:17⁠ - Apartments as an investment ⁠ 15:14⁠ - Biggest thing to do now that rates have been cut⁠ 18:04⁠ - Lender repayment controversy ⁠ 22:17⁠ - More rate drops coming?⁠ 25:20⁠ - Risks of holding off buying property⁠ 27:50⁠ - Toilet paper analysis ⁠29:32⁠ - What you should expect from your broker ⁠ 33:32⁠ - 100 men or 1 gorilla⁠ 37:25⁠ - Cash rate bet #RBADecision #InterestRatesAustralia #RefinancerPodcast #FinanceExperts #MortgageTips #HomeLoans #PropertyMarket #EconomicUpdate #RefinancingAustralia #rbaupdate This podcast contains general information only and does not take into account your personal objectives, financial situation, or needs. It is not financial advice. Please consult a licensed financial adviser before making any financial decisions.

  • 6 Episodes

About

Your go-to finance podcast for real talk on money, mortgages & Australia’s rate rollercoaster. Every episode, we strip back the jargon and break down the big money moves shaping your wallet — from interest rates, refinancing strategies, loan hacks and market shifts, to smart ways you can save, invest or refinance with confidence. Whether you’re a homeowner, investor or just want to understand what’s happening with rates and your finances, we keep it simple, practical and worth your time. Expect useful insights, honest conversations and an Australian perspective on money.

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