Free Loan Assessment: Take Advantage of 2025's Lower Interest Rates

 


Free Loan Assessment: Take Advantage of 2025's Lower Interest Rates

By The Aussie Lending Lounge – Loans AU

📉 RBA's recent decisions have paved the way for lower mortgage repayments – and Australians are already taking action. If you’re still paying over 6% interest on your home or investment loan, you’re likely overpaying.

At Loans AU, we’re helping thousands of Australians take advantage of the 2025 interest rate cuts with a free loan assessment – no strings attached.

💡 Why You Should Refinance in 2025

✅ Current RBA Cash Rate: 4.10% (as of May 2025)
The Reserve Bank of Australia is holding the cash rate steady at 4.10%. But that may not last long…

📉 Anticipated RBA Rate Cut in May 2025

Economists are forecasting a 25 basis point cut in the upcoming May 20, 2025 RBA meeting – bringing the rate down to 3.85%. This comes on the back of slowing inflation and weakening consumer spending.

Top banks including ANZ and Westpac are also predicting further cuts into July and August, possibly lowering the cash rate to 3.35% by August 2025.

💡 This means now is the best time to review your loan, while lenders adjust their rates and pass on discounts.

💸 Potential Yearly Savings When You Refinance

Refinancing from a 6.07% rate to 5.78% (variable, interest-only) could save you:

  • $500,000 loan → Save approx. $1,450/year

  • $1,000,000 loan → Save approx. $2,900/year

  • $1,500,000 loan → Save approx. $4,350/year

📉 That’s cash back in your pocket — just by reviewing your loan.

🧾 What You Get With a Free Loan Assessment from Loans AU

🔍 Free Credit Report Check – See what lenders see
📊 Borrowing Power Estimate – Based on your financial goals
🏡 Instant Property Valuation – Direct from lenders
🧠 Tailored 30-Year Strategy – Structured for growth
📝 Hassle-Free Application – We submit everything on your behalf

📄 Required Documents for All Loan Applications

📌 Identification

  • Passport or driver’s license

  • Medicare card

📌 Income Verification

  • For PAYG/Salaried:

    • 2x recent payslips

    • 2024 Individual Tax Return & Notice of Assessment

  • For Self-Employed:

    • 2024 Business Tax Return & Financials

    • BAS (if applicable)

📌 Banking & Property Docs

  • 3 months full bank statements

  • 3 months salary credit statements

  • 6 months existing loan statements

  • Council Rate Notice (refinance only)

  • Rental income proof (if investment)

  • VEVO Visa Letter (for permanent residents)

  • Clear photo: Front & back of driver’s license

  • Medicare Card

  • Recent superannuation statement

📧 Send documents to: theteam@loansau.com

📲 How to Get Started

👉 Book Your Free Loan Assessment
📱 WhatsApp: https://wa.me/61413360888
📞 Call us: 0413 360 888 – 7 days a week, 9am–10pm

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🧠 Final Thoughts from The Aussie Lending Lounge

Whether you're a homeowner, investor, or first-time buyer, 2025 is shaping up to be a strategic year for smart financial moves. Don’t let high interest rates drain your income. Get a free check-up on your current loan – you might be surprised what you can save.

📌 Loans AU – Building Australia’s Financial Future
📍 Level 1, 15–17 Blaxland Road, Rhodes NSW 2128
📧 theteam@loansau.com
🌐 www.loansau.com
💬 WhatsApp us

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