Meet Monique from Efficient Finance
If you've ever sat across from a bank lender who's never set foot on a job site, you'll understand why Monique Yukich does things differently.
Monique is the founder of Efficient Finance, an asset and equipment finance brokerage based on the NSW Central Coast. She specialises in finance for tradies, small business owners and everyday Australians who need money for the things that keep their lives and businesses moving: utes, trucks, trailers, excavators, machinery, cars, boats and caravans.
When you call Efficient Finance, you get Mon — not a call centre or a junior who's "escalating your file." The same person who takes your first call sees your deal through to settlement.
Twenty years of industry know-how
Before becoming a broker, Monique spent more than 20 years in the motor industry. She’s seen thousands of vehicle and equipment deals from the inside — how they're priced, how they're financed, and where buyers can get taken for a ride. That experience means she knows how to structure finance that fits real-world jobs and budgets.
Ready to get moving? Call Monique at Efficient Finance today for personalised, straightforward asset and equipment finance — and deal with someone who understands the tools of your trade.
Is Another RBA Rate Rise Coming?
The RBA held the cash rate at 4.35% in August, after 75 basis points of hikes earlier in 2026. But with the next decision due 29 September, all four big banks now expect another rise before year's end — the only debate is timing.
Why a hike is back on the table
Annual inflation eased to 3.5% in July, but the RBA's preferred measure, trimmed mean inflation, held at 3.6% — well above the 2–3% target and hotter than expected. That, combined with a stronger-than-forecast GDP result and a bigger trade surplus, suggests the economy is running warmer than the RBA anticipated. Markets have responded fast: the probability of a September hike jumped from ~17% to ~80% in under two weeks.
What the banks are forecasting
NAB: hike in September, to 4.60%
CBA & ANZ: hike in November, to 4.60%
Westpac: reversed its "no hike" call in early September, now also expects a rise
All four agree the next move is up — just not on when.
The case for waiting
Earlier hikes may not have fully flowed through yet
Households are already under cost-of-living pressure
Some inflation drivers (like fuel prices) may be one-off, not structural
Labour market and wage growth are softening
What it means for your mortgage
A 0.25% rise adds about $91/month on a $600,000 loan
Two rises (Sept + Nov) would add roughly $183/month
Savings rates would likely rise too, but typically with a lag
What to watch
29 September, 2:30pm AEST – RBA decision
30 September – August inflation data (released the day after)
Barring a surprise, most economists see at least one more hike landing before the end of 2026.