Palm Tree Finance

Palm Tree Finance Home Loans, Car Loans, Personal Loans and Insurance. We can help with all your financial needs.

07/08/2026

Change your salary credit to your offset account after settlement and you could save thousands in interest over the life of your loan.
• Your offset works by reducing the interest calculated on your loan, dollar for dollar, every single day.
• Most banks let you update your salary credit details in under five minutes over the phone.
• The bigger the loan and the longer it's left uncorrected, the more it costs you.
• This isn't redraw — offset money stays fully accessible, it's just working harder while it sits there.

06/08/2026

Here's how banks are quietly reworking borrowing power for investment properties — and it could mean tens of thousands more (or less) than you think.
• Neutral gearing assumes some rental income offsets the loan, which can lift what a lender says you can borrow.
• Not every lender has switched to this method yet, so your borrowing power can vary wildly between banks.
• This mostly affects new investment purchases, not existing loans.
• A pre-approval from one lender doesn't mean another lender will land on the same number.

05/08/2026

Investing in yourself is the one asset people forget to put on the balance sheet.
My mate the dentist spent $100k on further study. I joked he could've put it into property instead — and on paper, he'd be well ahead. He didn't blink. Here's why he's right:
• Property and shares grow the money you already have
• Skills grow your capacity to earn the money in the first place
• One compounds your capital — the other compounds you
• You can't leverage a portfolio you never had the income to start

04/08/2026

How my client is using 100% borrowing to buy his first investment property with zero deposit.
• Guarantor loans use the equity in a parent's home instead of cash savings
• Banks still assess serviceability the same way — approval isn't automatic
• The guarantor's property stays as security until enough of the loan is paid down
• Extra repayments (even small ones) on the guarantor-secured portion speed up release significantly

03/08/2026

13 years ago I bought my first home for $360k. Today it's worth $900k — and I sold it. Here's what I got wrong (and what I'd tell my younger self). Save this for when you're buying your first place. 🏡

02/08/2026

Murray Bridge rent just hit $550 a week — here's what it means if you're renting anywhere near Adelaide.
• Regional SA rents have climbed faster than Adelaide metro over the past 12 months
• Vacancy rates under 1% mean landlords set the price, not renters
• "Affordable" fringe suburbs are catching up to inner-ring rents fast
• Buying isn't automatically cheaper — repayments can outpace rent depending on rate and deposit

01/08/2026

The RBA just asked everyday Aussies what worries them most about money. It's not rates. It's not house prices. Two out of three said cost of living — inflation — keeps them up at night. And that matters more than you'd think, because it's exactly what's steering when (and if) rates come down.
Drop a 💸 if this is you too, and follow for more on what the RBA is actually thinking.

31/07/2026

Bridging loans sound handy — buy the new place before you've sold the old one. But here's what can catch people out: your old home might not be worth what you thought when it finally sells.
Markets shift. A few months can change the number.
Worth considering: sell first, then buy. Less exciting, more certain.

31/07/2026

To my fellow agents — it's a rough market for listings right now.
Some owners are going to sell for a loss. That's just where we're at. Anyone who's done the numbers can work it out.
Those owners need the most care from us. Not a sales pitch — just someone straight with them, treating them like a person, not a transaction.
And if you're sharp enough to work out an owner's taken a loss, maybe that's not the listing you post a big "SOLD!" celebration about. Read the room.
Have a bit of sympathy for them. They need it more than most.

30/07/2026

Investment property isn't for everyone — and that's okay to say out loud.
We've spoken to hundreds of investors, and here's the bit nobody puts on a brochure: most of them are topping up a shortfall every week or month. It's not "set and forget." It's a real cost, coming out of your real pay.
So before you jump in, ask yourself the honest question: can you afford the shortfall, or are you willing to compromise your lifestyle for it?
Follow along — more real investor stories coming. 🏠

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