Moneygenie Finance

05/08/2026

🏠 Attention First Home Buyers 🏠

Buying your first home can feel overwhelming, especially if you're new to how lending works. Here are a few tips that can make the journey a lot smoother:

👉Know your borrowing power early Before you start looking at properties, get a clear idea of how much you can borrow. This saves time and stops you falling in love with a home that's out of reach.

👉Save for more than just the deposit On top of your deposit, you'll need money for stamp duty, legal fees, and other costs. Many first home buyers forget this and get caught out.

👉Check if you qualify for government help Schemes like the First Home Guarantee can help you buy with a smaller deposit and avoid Lenders Mortgage Insurance. Not everyone knows they're eligible, so it's worth checking.

👉Don't assume you'll be rejected If a big bank has said no, that doesn't mean you're out of options. There are many lenders out there, and the right one depends on your situation.

👉Get your paperwork ready early Pay slips, bank statements, and ID all take time to gather. Having these ready speeds up your application and reduces stress.

👉Ask questions, no matter how small The Australian lending system can be confusing, especially if English isn't your first language. A good broker will take the time to explain everything clearly, so you feel confident every step of the way.

If you're thinking about buying your first home and don't know where to start, send me a message. I'm here to make the process simple and stress free for you. 📞 040 110 1608

24/06/2026

After the tax reform and negative gearing changes announced on 12 May 2026, Another big change coming for SMSF property loans.

If you have a Self-Managed Super Fund or have been thinking about setting one up to buy property, here's something important to know.

The government has agreed to stop SMSFs from taking out new loans to buy residential property, starting from 1 July 2027. This type of loan is called a Limited Recourse Borrowing Arrangement (LRBA), and it's how many SMSFs have been able to buy property using borrowed funds.

The good news: if you already have one of these loans set up, you're not affected. This change only applies to new arrangements going forward.

If you've been considering using your SMSF to buy a property, you now have a window of time to look into it before the rules change. I'm happy to walk you through whether this could work for you and what your options are.

Send us a message or give a call to chat about it.📞 040 110 1608

05/05/2026

📢 Interest Rate Update – May 5, 2026

The Reserve Bank of Australia has increased the cash rate today.

I know headlines like this can feel worrying, especially if you have a mortgage or are thinking about buying. The main reason behind this decision is ongoing inflation — Middle East conflicts have contributed significantly and higher rates are used to help bring that under control.

💬 What this means for you:

If you already have a loan, your repayments may increase depending on your lender.
If you're looking to buy, it might affect how much you can borrow — but opportunities are still very much out there.

Rate changes are a normal part of the economic cycle. We’ve seen them before, and they don’t last forever.

If you’re unsure how this affects you, feel free to reach out. I’m here to help you understand your options and make confident decisions.

23/03/2026

08/03/2026

Happy International Women's Day! 🌸

This day is a good reminder to talk about something important financial awareness for women in our community.

In many Nepalese households, men take the lead on finances. There is nothing wrong with that. But women understanding and being part of financial decisions makes the whole family stronger and more secure.

Start with one small step today. Ask a question. Join a conversation. You deserve to know. 💛

As a mortgage broker from our own community, my door is always open for any questions, big or small.

03/02/2026

The Reserve Bank of Australia has increased the official cash rate by 0.25% today. This means repayments may increase for people on variable home loans.

If you’re feeling worried, overwhelmed, or just unsure what this means for your mortgage, you’re not alone.

The good news is there may still be ways to reduce the impact — like checking your current rate or seeing if a better option is available.

If you’d like a quick, no-pressure check of your home loan, I’m happy to help.

📞 0401 101 608

23/12/2025

🎄✨ Merry Christmas & Happy New Year! ✨🎄

As we are about to wrap up another year, I want to sincerely thank my valued clients, families, friends and referral partners for your trust, support, and continued partnership.

Wishing you and your loved ones a joyful festive season and a prosperous, successful New Year ahead.

08/12/2025

Can you believe the festive season is almost here?
It’s such a fun time of year, but it can also put a real strain on the wallet.
If you’re dreaming of a family trip, buying presents, or ready to tick off a big purchase, the right finance options can help you stay stress-free and enjoy the season.

If you’re curious how much equity you can access, we are here to help. Send a DM or call 0401 101 608.

19/10/2025

Happy Tihaar to all of our clients, business partners, friends, families and well wishers. 🙏

01/10/2025

Wishing you and your family joy, prosperity, and good health on this auspicious occasion of Vijaya Dashami. May this festival bring new beginnings, harmony, and endless blessings into your life. Happy Vijaya Dashami 2082🙏