Your Loan HQ- Mortgage & Finance Specialist. Christine Albon

16/12/2025

Huge thank you to Karen and the team at First Paige Conveyancing & Form 1’s. Lovely gift 🎁 box filled with yummy treats. Karen has assisted many of my clients with their conveyancing requirements over the years. Working with other professionals to ensure my clients are in good hands is just part of what we do!!

13/12/2025

As the year winds to an end, it’s nice to put business aside & enjoy some time ( & a few drinks 🥤) with friends and colleagues. Wishing all of our Network Group members a safe and happy Christmas 🎄.

04/12/2025

Thank you very much to the team at Distinct Conveyancing for the lovely Christmas hamper. Businesses working together to ensure our clients home buying experience is as smooth as possible. At Your Loan HQ, it’s not only about securing your finance, it’s also about putting you in touch with the other businesses needed to ensure you’re always in good hands.

24/11/2025

It’s always nice to be acknowledged for the work I do for my clients. Most people don’t really understand what their mortgage broker does behind the scenes. Getting this first home buyer into a property was a long process with prices increasing so quickly over the last few months. Keeping expectations real, and an eye on the market meant he is now a proud property owner!! Thank you Michael for entrusting me, and for your beautiful gift 💝

02/10/2025

Spring is in the air, and just like the season, it’s a great time for fresh starts and new opportunities.

We’ve pulled together some of the latest property and finance updates to help you keep up with what is happening in the property market. Whether you’re planning to buy, invest, or simply get more from your current loan, Your Loan HQ is here to guide you every step of the way.

RBA Keeps Rates on Hold

The Reserve Bank kept the cash rate steady at 3.60%, pausing after recent cuts as inflation edged up to 3.0%. Governor Michele Bullock said the bank remains data-dependent, with any easing likely later in the year.
• Mortgage holders: No short-term relief on repayments.
• New borrowers: Affordability pressures remain, though lenders may offer flexible options to help with borrowing.
• Savers: Higher returns on deposits continue.
What’s New in the Australian Government’s 5% Deposit Scheme (as of 1 October 2025)
• As of 1 October 2025, the federal government has introduced sweeping reforms to the Home Guarantee Scheme — now more commonly branded as the Australian Government 5% Deposit Scheme — making it far more accessible and generous to first- home buyers.
• ✅ Major Changes from 1 October 2025
Unlimited places — no cap on how many can apply
No income caps — all first home buyers now eligible regardless of income
Higher price caps to reflect current property values; ranges vary by state/territory
( up to $900k for Adelaide Metro ) Expanded Australian Government 5% Deposit Scheme to support more Australians into home ownership | Housing Australia

Adelaide Property Current Conditions & Market Metrics
Price Levels & Growth
• The median dwelling value in Adelaide is around A$843,339 as of July 2025. OpenAgent
• Houses in Adelaide have a median price of approximately A$895,726, with annual growth ~ 6.8 %. OpenAgent
• Units are also performing strongly, with a median of ~ A$611,471 and growth of ~ 8.5 % annually. OpenAgent
• In August 2025, NAB reported house values rose 0.9 % month-on-month, 2.1 % over the quarter, and ~ 6.4 % year-on-year; unit values also showed solid growth. NAB
So the market is still in an uptrend, albeit with signs of moderating momentum.
Accessing Equity in Your Property
Equity is the difference between your home’s value and what you owe on it. As your property grows in value and your loan reduces, you may be able to use this equity to fund renovations, invest in another property, consolidate debt, assist your offspring get into the market, or any other worthwhile purpose.
Lenders often allow access to up to 80% of your property’s value, but keep in mind this increases your loan size and repayments. Your Loan HQ can help you explore the best way to unlock your equity.
Here to Help
Your Loan HQ is here to assist you with all your financial needs. While I specialise in residential lending, I have access to a vast network of specialists in all fields of finance. I also work with Allianz Insurance for your home, contents, landlord, vehicle, caravan, boat insurances. Your Loan HQ, is your one stop finance shop.
Feel free to give me a call or email to discuss your finance requirements.
Wishing everyone a great long weekend ( those in SA ) and a happy Spring! Remember that Day Light Savings starts this weekend too. I’m definitely looking forward to those long balmy, Spring and Summer evenings.

Regards,
Christine Albon - Your Loan HQ. Mortgage & Finance Broker
[email protected]
Ph:0427001103

29/07/2025

Your Loan HQ is now able to offer over 60 year olds Reverse Mortgage options!! With increasing home values, many older Australians are sitting on a lot of valuable equity in their home. Why not utilize this equity to enhance your lifestyle, take that holiday, buy that new car, make those home improvements?
Perhaps you're looking for funds to assist with your care. A reverse mortgage can potentially assist with all of this.
As many as 35% of retirees still have a mortgage in retirement. Did you know you may be able to refinance that mortgage into a reverse mortgage and not have to make repayments if you dont want to?
Take a lump sum, or income stream, or combination of both. Make repayments or don't. The choice is yours.
Of course lending criteria is applicable, and legal advice must be obtained.
If you would like to know more & explore how a RM could make your life better, get in touch. [email protected] or 0427001103

26/06/2025

Yesterday was all about networking, and learning!! A few laughs, good coffee & great location. Seafire at Glenelg.

26/06/2025

Nice day for a walk from Marino to Hallett Cove. The plan was to have a coffee at The Boatshed Cafe & then walk back…. Bit ambitious lol. Good to spend time talking with other brokers and BDM’s. There’s always something new to learn & be able to help my clients.

12/05/2025

17/04/2025

Wishing all of my clients, friends, colleagues and business partners a safe and happy Easter 🐣. The Distinct Conveyancing Easter Bunny 🐰 generously delivered this big big bag of goodness 💜. Thank you. I’m sure my family and friends will enjoy them. Be safe everyone.

10/03/2025

✨ Empowering International Women’s day lunch✨
Only 25 tickers left , Hurry grab your tickets ……

We are thrilled to announce that Christina Politis, a highly experienced fashion specialist and advocate for local designers, will be joining our International Women’s Day – Celebrating Leadership & Innovation panel! 🎤🌟

With decades of experience in trend analysis, textiles, and retail, Christina has navigated the ever-evolving fashion industry while championing South Australian designers and businesses. Her insights into innovation, resilience, and the power of women in business will be invaluable to this incredible discussion.
She joins our powerhouse panel alongside:

💡 Amy (DBH Lawyers) – Leading lawyer, gender equity advocate & founder of Doing Business in Heels.
💡 Kristina (mumamoo) – Award-winning entrepreneur & co-founder of SA’s first infant formula company.
📅 Date: Friday 14th March
📍 Location: Seafire on Marina, Glenelg
🎟 Get your tickets here: https://www.eventbrite.com.au/e/international-womens-day-event-celebrating-leadership-innovation-tickets-1267888050289?utm-campaign=social&utm-content=attendeeshare&utm-medium=discovery&utm-term=listing&utm-source=cp&aff=ebdsshcopyurl

This event is shaping up to be unmissable—tag a friend and grab your tickets today! 👏🔥

Join us for an inspiring International Women’s Day event featuring powerhouse speakers who are breaking barriers in their industries.