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Offsets, Loan Splits, Trust vs Personal: Why Smart Structure Beats Rates
It’s easy to get fixated on the interest rate, spending significant time negotiating for what looks like a “better” one - especially after the RBA’s February decision to lift the cash rate to 3.85% . But in real lending outcomes, the rate is often only one piece of the puzzle. The bigger lever (and the one people overlook) is structure : how your loan is set up, how cash sits, how repayments flow, and how the loan aligns with what you’re actually trying to achieve over the
2 days ago


Cashflow Dieting: A Smarter Money Reset for the Year Ahead
December has a familiar way of stretching household budgets. Between holidays, travel, end-of-year catch-ups and gift spending, cashflow often tightens more than people expect. Then January arrives. Routines return. Financial headlines pick up again. And many Australians take stock of where their money landed - and what they want to achieve next. The good news? Regaining control doesn’t require an extreme financial reset. With a clearer view of your cashflow and a few practic
Jan 27


2025 in Review: Melissa’s Highlights & AAA’s Momentum
This year was a year that moved more, and faster, than most - settings shifted, sentiment swung, and deadlines came fast. Through it all our team stayed steady, delivering the exceptional customer service that we’re known for and outcomes we’re proud of. Here’s a look at Melissa’s 2025 highlights and what the AAA team built together. Awards & Industry Recognitions This year brought recognition for both Melissa and the AAA team and while recognition is always exciting, we’re
Dec 10, 2025


Women in Business: Representation, Mentoring, and Why a Seat at the Table Matters
Discover why women in business, representation, and mentoring matter for performance - not just culture. We explore practical ways leaders build inclusive workplaces, how board leadership shapes standards, and how AAA Mortgages embeds these principles in day-to-day decisions to lift outcomes for clients and teams.
Oct 30, 2025


SMSFs: Smarter, Advanced Strategies (and How AAA Makes Them Work)
Self-Managed Super Funds (SMSFs) give you control, flexibility and a real say in how your retirement wealth is built. Most people know...
Sep 25, 2025


Why Housing Affordability Is Everyone’s Business
In our latest P.O.W.E.R. Podcast episode, Melissa Ashcroft sat down with Kirsten Steedman from Shelter NSW, a leading voice in the fight...
Sep 1, 2025


Australia’s Housing Supply Crunch: What It Means for Buyers and How We Can Help
Australia’s housing market continues to be shaped by one powerful force: supply. Navigating the Housing Supply Crunch: What Buyers Need...
Jul 31, 2025


The Tax Debt Trap: What It Means for Loans and Lending
Tax debt has become a hot topic of conversation across the finance and lending world, particularly for small business owners. With FY24...
Jun 26, 2025


Bank, Non-Bank, and Private Lending: What You Need to Know
As Australia’s capital markets shift, understanding the different types of lending has never been more important. Whether you’re a...
Apr 29, 2025
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