Vasuki Finance

Vasuki Finance Finance that walks with you — from first homes to business growth.

From first homes to business growth, Vasuki Finance walks with you — making finance clear, simple, and supportive every step of the way. With access to a wide panel of lenders, we explore lending options that may suit your circumstances, then guide you through the process with transparency and care. For us, it’s not just about loans — it’s about building futures.

👉 Start your finance journey today: www.vasukifinance.com.au

You may be paying more on your home loan than necessary. A loyalty tax may mean long-term borrowers remain on higher rat...
06/05/2026

You may be paying more on your home loan than necessary. A loyalty tax may mean long-term borrowers remain on higher rates while newer options exist with the same lender. Vasuki Finance can help you review your loan and understand what options may be available to you.

Eligibility criteria apply. Subject to lender approval. Not all applicants will qualify.

Vasuki Finance Pty Ltd (ABN 40 689 512 052) is a Credit Representative (CR No. 571623) of Connective Credit Services Pty Ltd (Australian Credit Licence 389328).

The information in this post is general in nature and does not constitute personal financial advice. You should consider whether the information is appropriate to your needs and seek professional advice before making any financial decision. All applications are subject to lender credit criteria, fees and charges.

05/05/2026

Millions of families are preparing for higher mortgage repayments after the Reserve Bank’s third consecutive rate increase.

The cash rate now stands at 4.35%, returning to levels seen over a year ago.
For borrowers, this may impact monthly repayments and overall borrowing costs.
If you have a home loan or are planning one, it may be useful to review your current position and understand your options.

To check how this change could affect your repayments, use our loan repayment calculator:
https://www.vasukifinance.com.au/loan-repayment-calculator



Compliance Disclaimer:
Eligibility criteria apply. Subject to lender approval. Not all applicants will qualify.
Vasuki Finance Pty Ltd (ABN 40 689 512 052) is a Credit Representative (CR No. 571623) of Connective Credit Services Pty Ltd.

The information provided is general in nature and does not constitute personal advice. You should consider whether it is appropriate to your needs and seek professional advice before making any decision.

All applications are subject to lender credit criteria, fees and charges.

The Reserve Bank has increased interest rates again, marking the third rise in recent months.The official cash rate now ...
05/05/2026

The Reserve Bank has increased interest rates again, marking the third rise in recent months.

The official cash rate now stands at 4.35%, as inflation pressure continues, especially due to rising fuel costs and global factors.

For borrowers, this means:
– Higher monthly repayments
– Increased cost of borrowing
– More pressure on budgets

If you have a home loan or are planning one, this is the time to review your position and understand your options.

If you want to check your updated repayment amount, use our loan repayment calculator:
https://www.vasukifinance.com.au/loan-repayment-calculator

(interest rate hike 2026, rba rate increase, home loan interest rates, mortgage update, inflation impact)



Compliance Disclaimer:
Eligibility criteria apply. Subject to lender approval. Not all applicants will qualify.

Vasuki Finance Pty Ltd (ABN 40 689 512 052) is a Credit Representative (CR No. 571623) of Connective Credit Services Pty Ltd.

The information provided is general in nature and does not constitute personal advice. You should consider whether it is appropriate to your needs and seek professional advice.

Ready to use FHSS for your home deposit? Here’s how to make it happen, step by step:1. Make voluntary contributions (sal...
20/10/2025

Ready to use FHSS for your home deposit? Here’s how to make it happen, step by step:
1. Make voluntary contributions (salary sacrifice or after-tax) into your super.
2. Request an FHSS determination via myGov, this tells you your eligible withdrawal amount.
3. Submit a release request to the ATO. Your super fund & ATO work together to process.
4. Funds are paid, tax withheld, and balance deposited to your bank.
5. Sign a contract (or begin construction) within 12 months (or apply for extension) to use the funds.

⚠️ If you don’t use it in time, you may need to recontribute or pay FHSS tax (20%) on assessable amount.

DM me to walk through your own application or check your eligibility.

[FHSS how to apply, myGov FHSS determination, release your super for home, home deposit via super, step by step FHSS, Vasuki finance, Vasuki finance pty ltd]



Sources: Australian Taxation Office – Applying to withdraw your FHSS amount

🏠 Want to use your super to help buy your first home? The FHSS (First Home Super Saver) scheme might be a game-changer. ...
16/10/2025

🏠 Want to use your super to help buy your first home? The FHSS (First Home Super Saver) scheme might be a game-changer. Here’s the breakdown :

• Save up to $15,000 per year, and $50,000 total, inside your super.
• Concessional (before-tax) contributions: only 85% is available for withdrawal. Non-concessional (after-tax): 100%.
• You need to be 18+, not have owned property (unless hardship case), and you must use a residential property you intend to occupy.
• Since 15 Sept 2024, some who were previously unsuccessful can reapply under updated rules.

👇 Save this to revisit when you're ready to start planning. Want help checking eligibility or strategy? DM me.

[super home deposit, save for house in super, FHSS explained, first home super saver, supercharged deposit, first home scheme Australia, Vasuki Finance, Vasuki Finance Pty ltd]



Source: Australian Taxation Office – First Home Super Saver Scheme

Inflation in Australia just nudged up to 3.0% (annual) the strongest in a year. What’s fueling it, and what does it mea...
14/10/2025

Inflation in Australia just nudged up to 3.0% (annual) the strongest in a year. What’s fueling it, and what does it mean for everyday life?

🔍 The biggest drivers:
• Housing costs: +4.5%
• Food & non-alcoholic drinks: +3.0%
• Alcohol & to***co: +6.0%

Electricity prices jumped a whopping 24.6%, thanks in part to the expiration of rebates.
📊 On the flip side:
• Trimmed mean (common measure of core inflation): 2.6% (slightly down)
• Excluding volatile items & holiday travel: 3.4%
➡️ The takeaway: inflation is resurgent, and options like rate cuts may be off the table in the immediate future. For households, that means tighter budgets, more scrutiny on spending, and watching wage growth more than ever.

Inflation in Australia just nudged up to 3.0% (annual), the strongest in a year. What’s fueling it, and what does it mean for everyday life?

💾 Save this post to refer back to as the year unfolds.

[inflation spike, cost of living crunch, prices rising fast, price surge alert, inflation on the rise, core vs headline inflation, energy shock, housing cost pressure, rate cut off the table, watch your wallet, Vasuki Finance pty ltd, Vasuki Finance]



Source: ABS – Monthly CPI Indicator, August 2025
Supporting / Data References:
• RBA – Inflation & Monetary Policy
• Treasury – Inflation outlook

⭐️ First-home buyers are pushing in, but not without headwindsHere’s what the latest Prop Track-CommBank report reveals:...
12/10/2025

⭐️ First-home buyers are pushing in, but not without headwinds
Here’s what the latest Prop Track-CommBank report reveals:

• Saving a deposit takes ~5.9 years for a typical household, if aiming for 20% of a median home price.
• Mortgage serviceability is at levels we haven’t seen in 30 years.
• Yet more people entered the market last year than in the 2010s, driven by grants, low-deposit options, rentvesting, and buying new builds.
• Melbourne outer suburbs are seeing a big share of first-home buyer interest.
• The good news? Interest rates are easing, opening up possibility. But rising home prices still make it tricky.

🏠 If you’re planning to buy: pick your suburb wisely, explore all assistance options, and run your numbers with a buffer.

👇 What’s your biggest worry as a first-home buyer? I’ll share advice.

[deposit drought, serviceability squeeze, mortgage affordability crisis, first-home buyer boom, low deposit route, rentvesting strategy, outer-suburbs opportunity, grants & schemes, price vs rate tug-of-war, house vs apartment choice, Vasuki Finance pty ltd, Vasuki Finance]



Sources: realestate.com.au Insights – PropTrack CommBank First Home Buyer Report
Supporting / Data References:
• CommBank FHOG & buyer insights
• ABS Lending Indicators – First Home Buyers

🏠 In South Australia, some suburbs are so loved people hardly ever leave. Data shows homeowners in places like North Hav...
07/10/2025

🏠 In South Australia, some suburbs are so loved people hardly ever leave. Data shows homeowners in places like North Haven stay for 18+ years on average.
Meanwhile, areas like Seaford Heights flip every ~3 years.
🔍 Why do some suburbs have such low turnover?
• Strong lifestyle appeal (coastal views, community)
• Homes with space that grow with families
• Owners who get attached and stay put
📈 What this means:
• Less inventory in “sticky” suburbs → tougher competition
• Faster turnover zones might offer more opportunities
• Keep an eye on suburbs that balance demand + liquidity
👇 Let me know which suburb’s hold period surprised you the most?
💾 Save this post for your property research.
🔄 Share if you’ve got friends house-hunting in SA.

[deep buy-in suburbs, sticky suburbs, hold period record, decades of ownership, low turnover zones, ownership loyalty, turnover vs hold period, inventory squeeze, real estate longevity, homeowner retention, Vasuki Finance pty ltd, Vasuki Finance]


Sources: Main Source: Realestate.com.au – The SA suburbs with the longest hold period
Supporting / Data References:
🏠 In South Australia, some suburbs are so loved that people hardly ever leave. Data shows homeowners in places like North Haven stay for 18+ years on average.
• ABS Housing Occupancy and Costs

🔥 Big shift underway in the property marketWhile many investors are exiting the game (selling in record numbers), first-...
03/10/2025

🔥 Big shift underway in the property market

While many investors are exiting the game (selling in record numbers), first-home buyers are stepping in hard, especially in more affordable areas. 🔑

Things to keep in mind:
• Investor sell-off reached 16.7% in 2025
• Prices in Sydney rose ~0.8% in August, 1.7% for the quarter
• The “5% deposit” route is tempting, but rising prices + interest rates may squeeze budgets

If you're thinking of buying your first home soon, this may be your window. But tread carefully, do your numbers, check local trends, and plan for stability.

👇 Tell me – what’s your biggest concern when buying your first home? I’ll share tips.

💡 Save this post so you can revisit these trends later.

Sources: API Magazine – Investors leaving supercharged property market, first-home buyers leaping in

[record sell-off, first-home buyer rebound, market shift, rising competition, affordable suburbs boom, exit by investors, 5% deposit trap, supply squeeze, price surge, buyer’s window, Vasuki Finance Pty Ltd, Vasuki Finance]

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🔥 Big shift underway in the property marketWhile many investors are exiting the game (selling in record numbers), first-...
02/10/2025

🔥 Big shift underway in the property market

While many investors are exiting the game (selling in record numbers), first-home buyers are stepping in hard, especially in more affordable areas. 🔑

Things to keep in mind:
• Investor sell-off reached 16.7% in 2025
• Prices in Sydney rose ~0.8% in August, 1.7% for the quarter
• The “5% deposit” route is tempting, but rising prices + interest rates may squeeze budgets

If you're thinking of buying your first home soon, this may be your window. But tread carefully, do your numbers, check local trends, and plan for stability.

👇 Tell me – what’s your biggest concern when buying your first home? I’ll share tips.

💡 Save this post so you can revisit these trends later.

Sources: API Magazine – Investors leaving supercharged property market, first-home buyers leaping in

[record sell-off, first-home buyer rebound, market shift, rising competition, affordable suburbs boom, exit by investors, 5% deposit trap, supply squeeze, price surge, buyer’s window, Vasuki Finance Pty Ltd, Vasuki Finance]

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Adelaide, SA
5095

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