Propel Finance Group

Propel Finance Group Clear, practical mortgage & business finance advice for home buyers, investors, and small business owners. Adelaide-based. Strategy-led. No pressure.

At Propel Finance Group, we make finance simple. Whether you’re buying a home, refinancing, or growing a business, we’ll help you find a loan that works for you. No pushy sales, just real conversations and honest guidance.

Spring's officially open, and this year it's arriving with more than the usual seasonal lift.Listings are up nationally,...
01/09/2026

Spring's officially open, and this year it's arriving with more than the usual seasonal lift.

Listings are up nationally, and here in Adelaide our own Supply Index shows stock running about 30% ahead of where it sat this time last year. On top of that, tax refunds are landing through September for a lot of households, real cash showing up right as more property comes onto the market.

More choice is a good thing. But more choice doesn't automatically mean an easier decision, especially with the RBA still working through its next move and a market that's cooling in some capitals while holding up in others.

If you're weighing up buying, upgrading or investing this spring, happy to talk through what your own numbers look like, whichever way the season goes. No obligation.

28/08/2026

Right now the RBA's caught between two signals pulling in opposite directions.
On one side, 16,000 fewer people were employed in July and unemployment ticked up to 4.5%. National home values fell 0.7% last month, the biggest monthly drop since late 2022, and the new limits on negative gearing from this year's Budget are still working their way through investor decisions. Three signs of an economy cooling off.
On the other side, core inflation came in hot this week, up 0.5% in a month and well above what was expected. ANZ has already shifted from forecasting a hold to forecasting a hike in November.
Here's the part that doesn't get talked about enough. One of the biggest spending groups in the economy right now is the over 65s, and their spending is up more than 10% on last year, the strongest of any age group. Higher rates don't slow that group down, they actually help them. More of their money sits in savings and term deposits, so a rate rise puts more in their pocket, not less. Which means raising rates to fight inflation could end up supporting some of the spending driving it.
That's the genuinely hard call sitting in front of the RBA right now.
This is just my read on the economics, not financial advice. Whichever way rates move, one decision shouldn't be what makes or breaks your plans to buy, upgrade, or invest. If you want to talk through where you stand, happy to help. No obligation.

Adelaide property isn’t telling one simple story right now.Our first Propel Market Monitor brings together five indicato...
26/08/2026

Adelaide property isn’t telling one simple story right now.

Our first Propel Market Monitor brings together five indicators we think are worth watching — not because any one of them predicts where the market goes next, but because together they give a clearer picture of current conditions.

For July:

🏠 Homes are moving relatively quickly — a median 31 days on market, three days faster than a year ago.

📈 Annual price growth remains strong at 10.5%, although the latest month eased 0.2%.

🔑 There’s considerably more property available — our supply index sits at 130.1 against the July 2025 benchmark.

🔨 Auction conditions are softer, with the four-week clearance rate averaging 48.2%.

🏘️ Rentals remain exceptionally tight, with Adelaide’s vacancy rate at just 0.6%.

So, what’s the bigger picture?

More stock is giving buyers greater choice, while the pace of price growth has moderated in the latest month. But properties are still selling relatively quickly, annual growth remains substantial, and rental availability is extremely constrained.

In other words: more choice doesn’t necessarily mean an easy market.

For buyers, investors and upgraders, this is where looking beyond a single headline matters. The right decision depends less on whether the market is simply “up” or “down”, and more on your position, borrowing structure and timeframe.

We’ll publish the Propel Market Monitor each month, tracking the same key Adelaide indicators so you can see what’s actually changing — and what’s just noise.

Save this month’s monitor, or share it with someone keeping an eye on the Adelaide property market.

Sources: Cotality and SQM Research. Data as shown in the July 2026 Propel Market Monitor.

The government has banned SMSFs from borrowing to buy residential property. Something that's had far less airtime: SMSF ...
20/08/2026

The government has banned SMSFs from borrowing to buy residential property. Something that's had far less airtime: SMSF lending for commercial property hasn't moved at all.

That matters most for one group in particular. If you're a business owner renting the premises you operate from, your SMSF can borrow to buy that property instead, and your business pays rent to your own fund rather than someone else's.

Same money going out the door either way. Different owner on the receiving end. Over time, that rent builds an asset inside your super instead of building someone else's.

For accountants with SMSF clients who own or lease commercial premises, that's worth raising directly. Some assume all SMSF borrowing is off the table now. It isn't, and for business owners specifically, it's arguably more relevant than ever.

This is a policy observation, not financial or legal advice. Talk to your accountant or financial planner about whether it fits your SMSF's circumstances.

DM me and I'll walk through how commercial SMSF lending actually works.

ASIC just reviewed offset accounts at 8 of Australia's biggest lenders. What they found is worth knowing.AMP, ANZ, CBA, ...
18/08/2026

ASIC just reviewed offset accounts at 8 of Australia's biggest lenders. What they found is worth knowing.

AMP, ANZ, CBA, Great Southern Bank, HSBC, ING, Macquarie and Westpac were all reviewed. The finding: widespread failures. Offset accounts not set up, not linked, or silently delinked after a loan variation, without the borrower being told.

86% of the errors came down to manual staff mistakes. $55 million in compensation has been paid since 2023.

The most common failure point? A refinance or loan variation triggers a system change. The offset account delinks, and the borrower has no idea, because the interest savings just quietly disappear.

If your loan is with any of those eight lenders and you have an offset, when did you last confirm it's actually linked and working?

DM me and I'll show you what to check.

13/08/2026

The RBA held again this week. Second hold in a row, and they haven't ruled out another rise. What's actually moving the needle for borrowers right now is lender competition, not the RBA. 28+ lenders have trimmed rates since June to win new business.

If you're an upgrader, an investor, or haven't reviewed your loan in 12 months, this is worth a conversation.

DM me and I'll run through it.

.

Short, sharp, and exactly what we aim for every time. 🙌Great service and attention to detail. That's the standardwe hol...
11/08/2026

Short, sharp, and exactly what we aim for every time. 🙌

Great service and attention to detail. That's the standard
we hold ourselves to on every single file.

Thanks Myles, really appreciate you taking the time.

If you're thinking about reviewing your current loan or
making a move — DM us. Happy to chat.


RIP SMSF residential property borrowing. 2007–2026. 🪦From today, SMSFs can no longer enter contracts to buy residential ...
10/08/2026

RIP SMSF residential property borrowing. 2007–2026. 🪦

From today, SMSFs can no longer enter contracts to buy
residential property. The ban is law.

Existing loans are grandfathered - so if you're already in,
you're fine. But the door for new resi purchases is closed.

Here's what people are missing though 👇

Commercial property? Still very much alive inside super.

For business owners using their SMSF to buy the premises
they operate from, the rules haven't changed. It's still
one of the most effective structures available for the right
client.

If you're an accountant with business-owner clients asking
questions this week, happy to be a resource.

Tag your accountant or financial planner 👇


Had a few lender briefings this week. Here's what's worthknowing.Rates are getting sharper. Lenders are competing for ne...
06/08/2026

Had a few lender briefings this week. Here's what's worth
knowing.

Rates are getting sharper. Lenders are competing for new
business and that's flowing through to borrowers.

But credit policy is shifting at the same time, and not
uniformly. Some clients are easier to assess than they were
six months ago. Simplified income treatment, with more flexibility
in how certain incomes are looked at.

Others are more complex. The same application that sailed
through one lender last year might face more scrutiny today
at another.

The sharpest rate doesn't always come from the lender whose
policy suits your situation best. Getting that match right
matters more than ever right now.

If you want to know which way the market is moving for your
specific circumstances, DM me.


We've covered what bridging loans are and where they go wrong.So who do they actually suit?Straight Answer: buyers whose...
05/08/2026

We've covered what bridging loans are and where they go wrong.
So who do they actually suit?

Straight Answer: buyers whose current property will sell
reliably, at a predictable price, within a defined window.

That tends to mean:

→ Established homes in suburbs with consistent demand
→ Upgraders with strong equity, not stretching to make
the numbers work
→ People who've had genuine buyer interest already, not
just hoping the market shows up

Who should think twice? Anyone relying on an optimistic
valuation, a slow-moving suburb, or a tight timeline with
no contingency.

The loan itself isn't the risk. The assumptions underneath
it are.

If you're weighing up whether bridging finance makes sense
for your situation, DM me. I'm happy to work through it.


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22A Beulah Road
Adelaide, SA
5067

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Tuesday 9am - 5pm
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