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Finance & Business Insights

Most finance commentary tells you what happened. These articles focus on what it means for your loan, your business and your next decision, written by JB Fremy from two decades spent across divers industry, technology teams and operating businesses.

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FBAA Accredited
MFAA Accredited
20+ Years Experience

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Mortgage Broking Featured

How RBA Rate Decisions Affect Your Home Loan

Every RBA cash rate announcement flows through to variable rates, fixed-rate pricing, serviceability and borrowing power — but not always the way the headlines suggest. JB Fremy explains the mechanics, and what's actually worth reviewing after each decision.

JB Fremy
FBAA & MFAA Accredited  · 
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Business Consulting

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Business Consulting

Payday Super: The ATO Checklist That Could Save Your Business Thousands

Payday Super starts 1 July 2026. In plain terms, it means super moves from a quarterly task to a payday task. Every time you run payroll, you will need to make a super contribution for eligible employees, and those contributions must be received by, and able to be allocated by, the employee's super fund within 7 business days after payday.

JB Fremy·
Business Consulting

The Real Difference Between Cashflow and Profit

You open your profit and loss statement and it looks healthy. Then you check the bank balance and it feels tight. If that sounds familiar, you are in good company.

JB Fremy·

Business Finance

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Mortgage Broking

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Mortgage Broking

RBA Hikes the Cash Rate to 3.85{477fb71c01144b26ec6eb422099df48469b3b21edef8af379794774af2ca9d1d}: What It Means for Small Business, and How to Respond

On 3 February 2026, the Reserve Bank of Australia (RBA) increased the cash rate target by 0.25{477fb71c01144b26ec6eb422099df48469b3b21edef8af379794774af2ca9d1d} to 3.85{477fb71c01144b26ec6eb422099df48469b3b21edef8af379794774af2ca9d1d}. In plain terms, the cost of money has risen again, and many lenders are already passing that increase through to variable business lending products.

JB Fremy·
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About the Author

JB Fremy, FBAA & MFAA Accredited Finance Broker

JB Fremy is the founder of JBF Solutions, with more than two decades of experience in finance, technology and business operations. All articles on this blog are written by JB and reflect practical, experience-based insights, not generic content. Finance-related articles include relevant disclaimers and are intended as general information only.

FBAA Accredited MFAA Accredited AFCA Member 114903 Credit Rep No. 568424
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General Information Disclaimer: Articles published on this blog are general in nature and do not constitute financial, credit or business advice. Information is current at the date of publication and subject to change. JBF Solutions is a credit representative (No. 568424) of Purple Circle Financial Services Pty Ltd (ACL 486112). Please seek professional advice tailored to your circumstances before making financial decisions.