Credithub Australia

Most people spend weeks chasing the lowest interest rate — and miss the decision that actually costs them thousands.

Your loan structure determines how much you pay over the life of the loan.

Interest Only vs Principal & Interest. Fixed vs Variable. Offset vs Redraw.
Get any one of these wrong, and a "great rate" won't save you.

At CreditHub, we don't just find you a competitive rate — we build the right structure around your goals, across 52+ lenders.

That's the difference between a loan that works for you, and one you're stuck managing for years.

📞 Book your free consultation today.
🔗 www.credithub.com.au

🔴 The RBA has raised the cash rate to 4.35% — a third consecutive hike in 2026.

What this means for you: → Every 0.25% increase adds roughly $80–$100/month to a $600,000 variable loan → Three hikes means $240–$300 more per month compared to the start of the year → All of the rate relief borrowers received in 2025 has now been fully reversed

Variable rate holders are feeling this most — and if you haven't reviewed your loan in the past 12 months, there's a real chance your current lender is no longer competitive.

The strategy right now isn't to panic — it's to review. Some fixed rate products are still sitting below the variable average, and not all lenders have passed on the full hike.

Our brokers are across what's available right now across 52+ lenders. A 20-minute call could tell you whether you're on the best possible rate — or whether switching could offset a big chunk of these increases.

📞 1300 782 944 | credithub.com.au
👉 Book your call to discuss your options.