Graham Smeallie - Finance Broker

Graham Smeallie - Finance Broker Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Graham Smeallie - Finance Broker, Mortgage brokers, 32 Halifax Street, Adelaide.

Congratulations Roy Pugliese on finally getting the keys to your new home!It’s been a long journey waiting for the land ...
10/07/2026

Congratulations Roy Pugliese on finally getting the keys to your new home!
It’s been a long journey waiting for the land to be ready and then the build process, but your discipline and determination to get into your first home has been amazing to watch, and I’m glad I could be part of the journey with you.
Enjoy all that you’ve achieved!!!

With the World Cup on, everyone’s glued to their screens watching teams scramble to protect their lines and adjust their...
03/07/2026

With the World Cup on, everyone’s glued to their screens watching teams scramble to protect their lines and adjust their tactics on the fly. But if you're an Australian property investor, the real match you need to be watching is kicking off behind the scenes.

From July 2027, the tax rules we've all operated under for decades are facing a massive, mid-game overhaul. It’s the equivalent of the referee suddenly changing the rulebook while you’re standing right on the try line.

Here is the basic breakdown of what’s coming down the line:

Negative gearing is being completely removed on existing properties for any new purchases.

Capital gains tax concessions are being scrapped, replaced by a new inflation-adjusted model and a strict 30% tax floor.

Needless to say, the ground is shifting. The investors who sit back and wait for 2027 to hit them face-to-face are going to find themselves in a world of trouble. The ones who bring their A-game now, read the play early, and adjust their strategy before the changes take effect are the only ones who will come out ahead.

The question is, is your property game-plan actually fit for purpose, or are you about to get caught completely flat-footed?
📱0414 226 364
📧[email protected]
🌐grayridgefinance.com.au

Happy new financial year 🎉July 1st is one of those rare moments where a number of things reset - tax, super, government...
02/07/2026

Happy new financial year 🎉

July 1st is one of those rare moments where a number of things reset - tax, super, government schemes and some lending policies.

And your home loan? It could be on that list too.

If you haven't reviewed your rate in the last 12 months, there's a real chance you're paying more than you need to be. The lending landscape has shifted, and one conversation with your broker can tell you whether you're on a good deal or leaving money on the table.

Make the first move of the new financial year count.

Reach out today
📱0414 226 364
📧[email protected]
🌐grayridgefinance.com.au

First responders are often seen by lenders as the ideal, low risk, clients when it comes to lending. Depending on your n...
23/06/2026

First responders are often seen by lenders as the ideal, low risk, clients when it comes to lending. Depending on your needs, be it higher borrowing power, smaller deposit, or a low cost option, chances are there is a lender offering a product specifically to attract emergency services workers.

18/06/2026

As a broker, we are obligated by law to act in your best interest, always. To be able to do this, it’s important to understand your goals, objectives and your current financial position. We use this information to find the product across all lenders that is in your best interest. When you go direct to a bank, they only need enough information for you to fit one of their products.

The Reserve Bank of Australia has left the official cash rate unchanged at 4.35%, pausing after three consecutive rate h...
16/06/2026

The Reserve Bank of Australia has left the official cash rate unchanged at 4.35%, pausing after three consecutive rate hikes earlier this year. The Board opted for a unanimous hold to buy time and assess how the economy is responding to those previous rate rises, noting clear signs that consumer spending and economic activity are finally slowing down as expected.

However, the RBA maintained a highly cautious tone because underlying inflation remains stubbornly high. Ongoing capacity pressures and global supply disruptions continue to place upward pressure on the prices of everyday domestic goods and services. Looking forward, this puts interest rates into a definitive holding pattern.

The RBA warned that it remains completely focused on price stability and is prepared to increase the cash rate further if required to bring inflation back to target.

As for the outlook, the banking sector is split on how this stalemate plays out. While economists at CBA, ANZ, and NAB believe interest rates have officially peaked but will now remain frozen at this level until mid-2027, Westpac takes a more aggressive view, forecasting that stubborn inflation will force the RBA into another round of rate hikes as early as August and September.

Reach out if you would like to discuss what this means for you.
📱0414 226 364
📧[email protected]

"Forged in Experience. Delivered with Compassion."This is more than a tagline, it is a reflection of my values and how I...
10/06/2026

"Forged in Experience. Delivered with Compassion."
This is more than a tagline, it is a reflection of my values and how I choose to operate.
Every client who reaches out has a story that goes beyond their need for a loan. Often, they are looking for hope, clarity, and real solutions. Whether they are trying to take the next big step in their property journey or looking to bring safety and security back into their life, it is a privilege to be trusted to guide them through it.

Reading words like this from Sarah reminds me why I'm passionate about what I do. Thank you, Sarah, for trusting me to help pave the way to your next home!
📱0414 226 364
📧[email protected]

📱0414 226 364 📧 graham@grayridgefinance.com.auBuilding something new has a way of bringing every self-doubt and "what-if...
30/05/2026

📱0414 226 364
📧 [email protected]
Building something new has a way of bringing every self-doubt and "what-if" back to the surface.

I’ve learned that fear can show up in a lot of different ways. Sometimes in moments of real danger, other times in the uncertainty of not knowing how things are going to turn out.

For a long time, I looked at fear like it was an immovable object and once you reached it, there was nowhere else to go. But the more times you face it, the more you realise it usually isn’t the wall you thought it was and it just needs to be navigated.

Most of the time, it’s something you move through slowly and methodically, and eventually, what once felt impossible no longer has the same hold over you.

Address

32 Halifax Street
Adelaide, SA
5000

Telephone

+61414226364

Website

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