Will Bell Mortgage Broker
Will Bell posts about personal finance, the economy, the Australian property market and home loans.
We are focussed on helping people answer the question "how do I make it financially?". It's not easy but we are big believers that you can do it.
Will Bell Mortgage Broker is an experienced campaigner when it comes to residential home loans. He has started on the bottom when it comes to his personal finance journey and has learnt a wealth of knowledge. He is invested in helping others see through the fake world we live in and to truly understand what is important in our lives and to go for that.
Will Bell Mortgage Broker
Most people I speak to right now are doing one of four things with their money.
Only one of them is quietly costing them.
With interest rates staying higher for longer and living costs showing no real sign of easing — your position in the next 12 months gets decided by what you do in the next 90 days.
So where are you at right now? (The last option isn't wrong. But it has a cost most people don't see coming.)
3 weeks ago | [YT] | 6
View 4 replies
Will Bell Mortgage Broker
OIL SHOCK. It is not dramatic. It is just history repeating.
Six times in 50 years. Same cycle every time.
Here is what is different this time...
Petrol is at a record $2.50 a litre. The RBA is forecasted to hit a 15 year high on rates.
And Australia is coming off 30 years of almost uninterrupted good times.
That 30 year run changed our psychology. We built our financial lives around the assumption that cheap rates and cheap petrol were the default.
They were never the default. They were the exception.
The reality is every single one of these shocks was followed by opportunity. The people who came out stronger were not lucky. They were just prepared.
THE SHIFT IS SIMPLE!
- Disruption and opportunity always arrive together
- Weak defense is why most people watch opportunities pass
- Get the foundation right first, then move
Now more than ever, having a plan and keep moving is everything. If this keeps going, is your defense strong enough?
3 weeks ago | [YT] | 16
View 0 replies
Will Bell Mortgage Broker
Gold just overtook the US dollar in central bank reserves.
That has never happened before.
And Australian mortgage holders are already feeling it — most just don't know why.
When the world's biggest institutions move out of paper money and into gold, oil, and real assets, the cost of everything priced in dollars goes up.
Energy bills
Groceries
Construction costs.
All of it feeds into inflation. And inflation is exactly what keeps the RBA from cutting rates.
So while Australians sit on some of the highest household debt in the world, waiting for relief that keeps getting pushed back — the reason is sitting right there in that chart.
This is not the RBA being difficult.
This is a global shift that is landing directly on Australian families.
Gold surpassing the dollar is not just a finance story — it is a cost of living story
Every time real assets get repriced higher, Australian households pay more for everything
Rate cuts need inflation to fall. Inflation cannot fall while this shift is accelerating
👇 How much longer can your household absorb rates staying this high?
1 month ago | [YT] | 14
View 3 replies
Will Bell Mortgage Broker
Interest rates are not dropping❗️
And the reason most people haven't heard has nothing to do with inflation targets.
IT STARTS WITH GOLD!
Central banks around the world are buying gold at record levels. Not bonds. Not cash. Gold.
When that happens, it sends a signal through the entire financial system.
Here is what is actually happening (ABS):
🥇 When trust in paper money drops, governments raise rates to make cash worth holding
🛢️ The rush into real assets pushes oil and commodity prices higher
📈 Higher energy costs flow into everything — groceries, transport, rent, construction
When the cost of living keeps rising, rates have no reason to come down.
This is not just a central bank problem. It is showing up in your mortgage repayments, your grocery bill, and your energy costs every single month.
The chain reaction is already in motion. Most people just haven't connected the dots yet.
We break it down in under 3 minutes here: https://www.youtube.com/watch?v=ySCcL...
👇 What's your honest thought— are rates coming down this year, or are we stuck higher for longer?
1 month ago | [YT] | 3
View 0 replies
Will Bell Mortgage Broker
Are you more worried about your mortgage rate or your job security right now?
1 month ago | [YT] | 1
View 1 reply
Will Bell Mortgage Broker
Would you rather buy a 'discounted' apartment in a cooling Sydney market or a 'premium' house in a booming Perth market?
Comment your strategy.
1 month ago | [YT] | 2
View 2 replies
Will Bell Mortgage Broker
Fuel prices might not just rise… THEY COULD EXPLODE!
Right now, oil is sitting at historic lows compared to gold. Levels we rarely see. And when markets get this out of balance, they don’t stay there for long.
If history plays out the way it usually does, oil doesn’t just recover. It snaps back hard.
That could mean one thing for everyday people: fuel prices potentially tripling.
The real question is, are we looking at a temporary dip… or the calm before a major spike?
What do you think happens next?
Are fuel prices about to surge, or stay under control over the next few months?
1 month ago | [YT] | 7
View 3 replies
Will Bell Mortgage Broker
Oil looks cheap… but measured against real money, the story changes completely.
Our leaders recently warned us that "the next few months are going to be tough."
But what does that actually mean for our everyday wallets?
In our latest video, we break down a very important trend that isn't being talked about enough: the price of oil compared to gold.
Right now, when you measure the cost of oil against gold, oil is at record lows.
If history repeats itself and this balance returns to normal, we could see a massive jump in the cost of fuel and energy.
We put together a quick, simple breakdown of this chart to help you understand what might be coming and what it means for your budget.
📺 Watch the full breakdown here: https://www.youtube.com/watch?v=51mYV...
👇 What do you think? Are you already feeling the pinch of energy costs?
Let us know your thoughts in the comments below!
1 month ago | [YT] | 13
View 4 replies
Will Bell Mortgage Broker
What is the biggest financial roadblock facing the "Silent Middle" right now?
1 month ago | [YT] | 5
View 1 reply
Will Bell Mortgage Broker
THE MIDDLE CLASS SQUEEZE IS NO LONGER A THEORY…It’s showing up clearly in the data.
Back in the early 1980s, the average home in Australia cost about 3x household income according to the Reserve Bank of Australia. Today? That number has skyrocketed to around 10 times (ABS).
If you’re feeling the pressure, there’s a reason. The “Silent Middle” is being squeezed from all sides:
📉 Cost of Living: Even recently, real income has only slightly recovered to just above pre-pandemic levels, while expenses remain elevated (RBA).
🏢 Market Pressure
Housing affordability is now at record highs in terms of price-to-income ratios, limiting how many people can actually enter the market.
💸 Debt & Housing Stress
Middle-income households are now spending around 33% of their income on housing, a level considered financial stress (AIHW).
THIS ISN’T JUST A TOUGH CYCLE. IT’S A SEPARATION PHASE.
Some will stretch further just to maintain their lifestyle. Others will adjust early and reposition.
How to Play Defense Right Now:
📌Build a stronger cash buffer
📌Protect your income
📌Get a clear 12- to 18-month-plan
Massive shifts create pressure, but they also create opportunity for those who are prepared.
Watch the full breakdown here: https://www.youtube.com/watch?v=PJ8Jw...
👇 Knowing these, what is your biggest financial frustration right now?
1 month ago | [YT] | 3
View 3 replies
Load more