RBA Cash Rate: 4.35% · 1AUD = 0.71 USD · Inflation: 4.6%  
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Example Interest Rates: Home Loan Variable: 5.24% (5.24%*) • Home Loan Fixed: 5.70% (6.06%*) • Fixed: 5.70% (6.06%*) • Variable: 5.24% (5.24%*) • Investment IO: 5.69% (5.72%*) • Investment PI: 5.49% (5.52%*)
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Some More Illegal Ads

The non-compliant madness continues. Of all the broker ads on Facebook that currently display rates, over 92% aren’t compliant. Just crazy.

August 31, 2025
beliefmedia

IP Core AU

I got an email from ‘IP Core AU’ a short time back. It’s one of millions of similar sites that use pressure tactics, but thought it’d be worth talking about this one simply so they’re shown in Search. First, they’re fake, and John Gray – a well-known digital lawyer – has nothing to do with them. Let’s look at just

August 23, 2025
advertising

Use of Rate Bait in Search Results

One of the more underexplored and deeply consequential aspects of financial digital mortgage marketing is the representation of interest rates within organic search snippets (search results). This area warrants close scrutiny because the deliberate or careless omission of required information in search results amounts to what we have long described and coined internally as “rate-bait”. This is, in essence, a

August 17, 2025
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Don’t Use Fake News to Promote Finance

I came across these two dodgies within a few seconds of each other. Remember, it’s illegal to purport or suggest that you have a news endorsement when it isn’t legitimate, even if the news source is fictional. This deception is heavily enforced in the finance industry. The fake Fin Review ad opens up the business to litigation of a different

May 28, 2025
advertising

$5.69 Mortgage Leads

I criticise leadgen charlatans all the time. Usually because they’re a business-debilitating service that’ll do nothing but expose you to non-compliance and illegal advertising. Digital leadgen is easy. A ‘generic’ campaign takes minutes to create and outperforms pay-per-lead and industry-unawares leadgen peckers without exception. If you’re engaging in Facebook advertising, consider the pictured 85 leads at $5.69 (still high, and

March 21, 2024
advertising

Shad of the Day, 26th November 2023

Shad of the Day, 26th November 2023. This ad comes to us from a guy called ‘Henry Price’, and it’s an excellent example of how deliberate non-compliance can be weaponised (or used as a tool) to intentionally deceive borrowers. If a broker published this ad directly they’d be expelled from the industry in a second… so why and how a

November 26, 2023
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Shad of the Day, 24th November 2023 – AMPAD

I haven’t posted a Shad for a while because I found myself on repeat. All the leadgen crooks use the same illegal and blatantly non-compliant tactics, and those brokers that buy leads don’t seem to care, so it was a futile exercise after the first 1000 examples. However, this advert is a clear standout for one very blonde reason. First,

November 24, 2023
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