Radiance Finance

13/05/2026

📢 Important Update for Property Investors💼 & First Home Buyers 🏡

13/05/2026

📢 Important Update for First Home Buyers & Property Investors 🏡💼
Following last night’s Government Budget announcement, there has been significant discussion around potential future changes to Capital Gains Tax (CGT) and Negative Gearing policies for property investors. While no immediate changes have been implemented, it is important for buyers and investors to stay informed and prepared for possible reforms moving forward.
What Could This Mean?
Potential changes to CGT and Negative Gearing may impact:
✔ Investment property cash flow
✔ Tax deductions available to investors
✔ Long-term capital growth strategies
✔ Property affordability and market demand
For First Home Buyers, this could create both challenges and opportunities depending on how the market responds over the coming months and years.
What Should You Do Moving Forward?
✅ Review Your Financial Position
Understand your borrowing capacity, ongoing expenses, and future financial goals before making any property decisions.
✅ Focus on Long-Term Strategy
Property investment should always be viewed as a long-term wealth creation strategy rather than short-term speculation.
✅ Choose the Right Loan Structure
Having the correct loan setup, offset accounts, repayment strategy, and interest structure can help reduce financial pressure regardless of policy changes.
✅ Build Financial Buffers
Maintain savings or emergency funds to manage interest rate movements or changes in tax benefits.
✅ Seek Professional Advice Early
Work closely with your mortgage broker, accountant, and financial adviser to understand how any future policy changes may affect your personal circumstances.
Opportunities Still Exist
Despite policy discussions, the Australian property market continues to offer opportunities for:
🏡 First Home Buyers entering the market
📈 Investors building long-term wealth
💰 Families upgrading homes with better financial planning
The key is having the right guidance and making informed decisions.
If you would like to review your borrowing capacity, investment strategy, or loan structure in light of the recent budget discussions, feel free to reach out anytime.
📞 Bishnu Prasad Kandel
Radiance Finance
📱 0489 906 155
📧 [email protected]

05/05/2026

📈 RBA Rate Update – 3 Consecutive Increases
The Reserve Bank of Australia has delivered 3 consecutive rate rises, with the Current cash rate increasing from 4.10% to 4.35%.
💡 What this means for you:
• Higher mortgage repayments
• Increased cost of living pressure
• Reduced borrowing capacity for some buyers
🏡 Now is the time to act:
• Review your current home loan
• Explore refinancing opportunities
• Consider the right mix of fixed and variable options
• Make sure you’re still getting a competitive rate
At Radiance Finance – Your Mortgage Compass, we’re here to guide you through these changes with expert advice tailored to your situation.
📞 Get Expert Advice Today
Bishnu Prasad Kandel
📱 0489 906 155
📧 [email protected]
Let’s review your loan and find smarter solutions.

Call now to connect with business.

14/04/2026

🌹नयाँ वर्ष २०८३ को हार्दिक शुभकामना व्यक्त गर्दछौँ।🌹

यस नयाँ वर्षले तपाईंहरूको जीवनमा
सुख • शान्ति • समृद्धि • सफलता
लिएर आओस् भन्ने कामना गर्दछौँ।💖

14/04/2026

नयाँ वर्ष २०८३ को हार्दिक शुभकामना व्यक्त गर्दछौँ।

यस नयाँ वर्षले तपाईंहरूको जीवनमा
सुख • शान्ति • समृद्धि • सफलता
लिएर आओस् भन्ने कामना गर्दछौँ।

14/04/2026

नयाँ वर्ष २०८३ को हार्दिक शुभकामना व्यक्त गर्दछौँ। यस नयाँ वर्षले तपाईंहरूको जीवनमा सुख • शान्ति • समृद्धि • सफलता लिएर आओस् भन्ने कामना गर्दछौँ।

14/04/2026

✨ नयाँ वर्ष २०८३ ✨
हार्दिक मंगलमय शुभकामना!🌹

यस नयाँ वर्षले तपाईंहरूको जीवनमा
सुख • शान्ति • समृद्धि • सफलता
लिएर आओस् भन्ने कामना गर्दछौँ।💐🙏

23/03/2026

23/03/2026

Honoured to have attended the Better Business Awards last weekend as a Finalist for New Broker of the Year.
It was an incredible evening surrounded by industry leaders, inspiring professionals, and amazing lender BDMs. Grateful for the opportunity to connect, learn, and celebrate the hard work happening across our industry.
A big thank you to everyone who has supported my journey so far, this recognition means a lot. Looking forward to continuing to grow and deliver the best outcomes for my clients.

17/03/2026

📢 RBA Cash Rate Hike Update
The RBA has increased the cash rate by 0.25%, from 3.85% to 4.10% today.
What does this mean for your home loan or investment loan?
A quick review now could help you manage higher repayments and explore better options.
At Radiance Finance, we help you navigate rate changes with clear advice and smart loan solutions.
📞 Bishnu Prasad Kandel | Loan Consultant
📱 0489 906 155
🌐 www.radiancefinance.com.au
💡 Radiance Finance – Your Mortgage Compass