If the Covid era taught homeowners anything, it’s that life can change very quickly.

We’ve seen clients move from record-low repayments to sudden increases of hundreds of dollars a month as fixed terms rolled off. We’ve also seen job changes, health issues and family changes collide with those rate resets.

When we sit down with clients now, future-proofing is a core part of the conversation:

• Build buffers into approvals. We run scenarios at higher rates than today, so you know your “stress-tested” position.
• Use revolving credit and offset accounts wisely. These can give you flexibility and reduce interest, but only if you manage them with discipline.
• Avoid maxing out. Just because a bank will lend you to the limit of its responsible-lending rules doesn’t mean you should go that far.

The post-Covid housing cycle reminds us that the real goal isn’t just getting approved. It’s keeping your home loan comfortable and sustainable, whatever the economy throws at you.