Mr AK Finance Solutions

11/01/2026

Hi, I’m Riyaz Ahmed Khan, a local mortgage broker in Adelaide.

Whether you’re buying your first home or refinancing, I’ll guide you step-by-step and do the hard work for you.

✔ Local knowledge
✔ Personal service
✔ Guidance from start to finish
✔ Access to multiple lenders
✔ Simple, clear advice
✔ No upfront cost

Let’s see what you can afford — obligation free.

11/01/2026

Australian commercial property is showing renewed investor confidence**, with capital growth returning across major sectors, according to new analysis.

Ray White Group Head of Research **Vanessa Rader** says the market is moving beyond defensive, income-only strategies as investors re-engage with capital growth opportunities.

Institutional and private investors are returning, driven by confidence in underlying fundamentals rather than interest-rate speculation. Supply constraints and steady occupier demand are creating scarcity in select asset classes.

Latest MSCI data shows **total returns of 6.1%**, combining **0.6% capital growth** and **5.4% income returns**, marking a shift back to genuine capital appreciation.

**Retail has emerged as the standout performer**, delivering **8.2% total returns**, led by sub-regional and neighborhood centers. New South Wales and Queensland retail markets recorded particularly strong results.

**Industrial property continues to perform defensively**, posting **7.6% total returns** nationally, with strong capital growth in distribution and warehouse assets. Western Australia and Queensland led industrial performance, supported by supply constraints and population growth.

Overall, the data signals a clear turning point for Australian commercial property.

11/01/2026

RBA UPDATE | Effective December 10, 2025

At its final meeting of the year, the Reserve Bank of Australia (RBA) held the official cash rate steady at 3.60%, marking the fifth consecutive pause after cuts earlier this year.

The federal government’s Help to Buy scheme launched December 5, offering up to 40% equity for new homes and 30% for existing homes to help low and middle-income Australians into the market. Income thresholds have been set at $100,000 for individuals and $160,000 for joint applicants and single parents, with participants needing a deposit of as little as 2%. With 40,000 places over four years, the initial lenders include Commonwealth Bank and Bank Australia.

The scheme will influence accelerated market activity, with property prices forecast to rise in 2026. Sydney is expected to rise 7% to $1.92m and Melbourne reaching $1.17m, driven by first-home buyer demand and easing rates. Government initiatives like Help to Buy and the First Home Guarantee are anticipated to create early-year momentum, effectively simulating multiple rate cuts. Units are tipped to outperform houses as buyers chase affordability, particularly in Brisbane, Adelaide, and Perth, where growth of 4-5% is predicted.

The RBA’s next meeting will be announced on Tuesday, February 3.

11/01/2026

Home prices set to reach new records in 2026

Australian property values are expected to hit new highs across all capital cities by the end of 2026, driven largely by first-home buyer demand and easing interest rates.

According to Domain's latest forecast, the housing market is poised for another year of solid growth, with first-home buyers using the expanded First Home Guarantee Scheme creating significant momentum in the early part of the year.

Sydney is projected to see a 7 per cent increase in house prices, pushing the median to approximately $1.92 million and bringing the $2 million threshold within reach.

Melbourne's property market is expected to regain momentum with an estimated rise of around $87,000, taking the median house price to $1.17 million. Canberra is forecast to approach previous peak levels, heading toward $1.18 million.

More moderate house price growth of 4 to 5 per cent is predicted for Brisbane, Adelaide, and Perth. In these cities, unit prices are expected to outperform houses as buyers increasingly seek more affordable options.

Domain's research suggests the extension of the First Home Guarantee Scheme could lift prices by as much as 6.6 per cent in its first year, creating an effect similar to several interest rate cuts happening simultaneously.

This surge in first-home buyer activity is anticipated to be most pronounced early in the year before moderating as new housing supply begins to enter the market.

Investors are likely to benefit from strong conditions in the first half of 2026, supported by solid rental yields and early capital gains, though growth may slow once new stock becomes available.

The rental market will continue to face pressure, with rents forecast to increase by approximately 3 per cent across combined capitals. Brisbane, Adelaide, and Perth could see even higher increases of up to 4 per cent, reflecting the ongoing shortage of available rental properties.

For upgraders in Sydney and Melbourne, competition is expected to be more intense, while downsizers may find themselves in a favourable position with higher sale prices and more options, particularly in the unit market.

Domain's Chief of Research and Economics, Dr Nicola Powell, noted that affordability remains a key driver in buyer behaviour.

"Australia's housing market is set for another strong year, with demand still high and buyers continuing to chase affordability, particularly in the unit market, which is expected to outperform in several cities," she said.

"There are encouraging signs on the horizon, with new housing supply starting to come to market as building activity picks up. While prices and rents will remain elevated, slower population growth, rising incomes and a cautious RBA should help the market move toward more balanced conditions by the end of 2026."

03/06/2025

01/06/2025

Property prices could double by 2030
Property prices could double in many suburbs by 2030 if current growth trends continue, according to new data from PropTrack.

The modelling, which assumes the past five years of growth are repeated, predicts that Sydney’s median house price could jump from $1.49 million to $2.4 million, with suburbs like Bellevue Hill potentially reaching $13.5 million.

Adelaide, already one of the strongest-performing capitals, could see its median house price climb to $1.47 million after a 75% increase since 2020. Brisbane is also on track for major gains, with the median house price rising to $1.53 million, up nearly $700,000.

Darwin’s Muirhead is expected to be the nation’s top performer, with values forecast to more than double, reaching $1.5 million.

Melbourne, meanwhile, may experience more modest growth, with its median rising just $146,000 to hit $1.001 million by the end of the decade.

01/06/2025

Home renovation trends we’re seeing in 2025
Whether you're planning to sell or simply upgrade your lifestyle at home, here are four trends that we’re seeing.
Renovate with the next buyer in mind - Even if you’re not selling right away, renovating with broad appeal in mind is a smart move. Think energy efficiency, functional floor plans, upgraded tech, and timeless finishes. These updates will help attract buyers when the time comes to sell.
Bring the spa home - Bathrooms continue to be one of the most valuable areas to renovate. In 2025, spa-inspired updates are trending, like rain showers, underfloor heating and soft lighting. Even small touches like a new vanity, mirror, or heated towel rail can transform the space without breaking the budget.
Prioritise wellness and natural light - Home gyms, meditation corners and natural light-filled rooms are on the rise. Open floor plans, eco-friendly materials and greenery indoors are helping Aussies create calming, energising spaces to support their mental and physical wellbeing.
Pet-friendly design that looks good - Built-in pet beds, stylish wash stations and durable, easy-clean materials are becoming part of high-end renovations. It’s all about creating spaces that work for the two-legged and four.
Planning to renovate? Speak to a mortgage broker about the smartest ways to finance your home upgrades.

01/06/2025

Listings to cool this winter
Property listings are already starting to cool as winter approaches, with new research showing a seasonal slowdown across much of Australia.
According to Ray White, property listings drop by an average of 7% from May to June, with winter months averaging 39,895 new listings, about 2% below the rest of the year. The trend is particularly strong in colder regions, where the chill tends to push homeowners to delay selling.
Regional Tasmania leads the nation in winter slowdowns, with listings down 20% compared to other seasons. Hobart follows closely behind, recording a 19% winter decline. Regional South Australia, Canberra, and Regional Victoria also see double-digit falls in new listings during the colder months.
Regional areas experience a 4.67% average drop in winter listings, compared to a more modest 1.75% decline in capital cities, suggesting that rural sellers may be more responsive to seasonal factors or have greater flexibility to travel.
However, not all markets slow down. Darwin defies the trend, with listings jumping by 17.4% during winter, taking advantage of its dry-season appeal. Brisbane and Regional Queensland also see winter activity rise, each recording a 7% increase in listings.

01/06/2025

Getting Motorbike Finance with Bad Credit
Dreaming of open roads but worried your credit history might hold you back? The good news is that getting motorbike finance might still be possible.
Understand Your Options - Motorbike finance works much like a car loan. A secured loan (where the bike is collateral) is most common, but some lenders also offer unsecured options.
Choose a Lender That Gets It - Not all lenders cater to people with poor credit. Specialist providers look at your overall financial picture, not just your credit score. Your finance broker can help here.
Know What You Can Borrow - Loan amounts typically range from $5,000 to $75,000 with terms from 3 to 7 years. Flexible structures help fit repayments into your budget.
Interest Rates Will Vary - Rates depend on your credit profile. A weaker credit score may mean higher rates, but that doesn’t mean finance is out of reach.
No Credit History? - Even first-time borrowers with no history can qualify, with the right lender.
Talk to a finance broker to compare your options.

01/06/2025

Investors eye tourism assets
Australia’s tourism and hotel market is roaring back, with international arrivals forecast to hit 8.3 million in 2025, 88% of pre-pandemic levels. That figure is set to climb to 10 million by 2026 and 11.8 million by 2029, reflecting a 41% jump from 2024, according to Ray White.
Visitor spending has already overtaken 2019 levels, reaching $33.2 billion in 2024. By 2029, that figure is expected to hit $48.5 billion, boosted by higher travel costs and a focus on high-value travellers. Markets such as Vietnam, South Korea, and India are leading the recovery, while Chinese tourism is steadily rebuilding, with China expected to reclaim its position as Australia’s largest inbound market by 2027.
The surge in visitor numbers has seen hotel investment rebound strongly. Transaction volumes jumped over 100% year-on-year in Q1 2025 to $791.8 million, with Sydney and Melbourne remaining top targets for offshore capital. Singapore leads the way among foreign investors, closely followed by Canada and Thailand.
With the dollar low and global uncertainty pushing more travellers toward stable destinations, Australia is becoming increasingly attractive. Occupancy is up to 72.6%, ADRs are rising, and new hotel supply remains limited.

01/06/2025

Farmland set to rebound
After a year of slowing prices, Australian farmland values are tipped to rebound in 2025, with Rabobank forecasting average growth of around 3 per cent.
This follows a 6 per cent decline in 2024, a cooling-off period after farmland prices surged 79 per cent between 2020 and 2023. While the outlook suggests a return to growth, the pace is expected to remain slower compared to recent years, with buyers becoming more value-focused.
Last year’s downturn hit some sectors harder than others, with grazing land seeing a sharp 13 per cent decline, while arable cropping land proved more resilient, dropping just 2.6 per cent. Performance also varied by region, with Western Australia and South Australia posting double-digit gains, while Tasmania experienced the steepest drop at 12 per cent.
Falling commodity prices, high fertiliser costs and elevated interest rates all weighed on purchasing power in 2024. But Rabobank expects the tide to turn this year, supported by stronger crop prospects, firmer commodity prices, and potential interest rate cuts.
The market may not see a return to the boom times of 2020–2023, but steady growth and better on-farm margins could make 2025 a better year for both buyers and sellers in the agricultural sector.