A.F.M Group Pty Ltd

A.F.M Group Pty Ltd Asset Funding Consultancy For Residential & Commercial Properties! Assets & Funds Management Group is your go to Mortgage Broker for Bella Vista.

We offer a large range of services including; Refinancing, Home Loans and Commercial Loans. Based in Bella Vista we service the surrounding areas including; Kellyville, Norwest, Glenwood, Kings Langley, Parklea and Acacia Gardens.

Fixed or Variable in 2026? Here is the honest answer.With the RBA at 4.35% and economists split on whether August brings...
11/06/2026

Fixed or Variable in 2026? Here is the honest answer.

With the RBA at 4.35% and economists split on whether
August brings another hike — this decision matters more
than it has in years.

The quick version:

FIXED 🔒
✅ Certainty — same repayment every month
✅ Protection if rates rise again
❌ Break costs if you exit early
❌ Miss out if rates fall
❌ Usually no offset account

VARIABLE 📊
✅ Benefits immediately when rates drop
✅ Offset account available — saves thousands in interest
✅ Extra repayments without penalty
❌ Repayments move with rate changes
❌ Less certainty for budgeting

THE OPTION MOST PEOPLE MISS:
Split loan — part fixed, part variable.
Fix for certainty. Keep variable for flexibility and offset.
The best of both — depending on your situation.

The honest truth: there is no universal right answer.
It depends on your income stability, budget buffer,
timeline, and risk tolerance.

What we are seeing in 2026: many clients are choosing
variable, betting on an eventual rate pause or cut.
But August is still “live” for another hike — so fixed
is not off the table either.

RBA meets this week — follow us for the live update
the moment the decision is announced.

DM us “FIXEDVAR” and we will model both scenarios
for your specific situation — free.

Save this and share with anyone about to take out
a home loan 📌

General information only — not financial advice.
Rate figures are indicative and vary by lender.


09/06/2026

Waiting for rates to drop before buying a home?

Read this first.

The RBA raised rates 3 times in 2026.
Every 2025 cut is now fully reversed.

Here is what waiting actually costs:

Average Sydney rent: ~$3,200 per month.
12 months of waiting = $38,400 paid to a landlord.
Equity built from that: $0.

And here is what most buyers miss —

When rates eventually drop, every buyer who was
also waiting enters the market at exactly the
same time.

Demand surges. Prices go up.
You end up paying MORE for the home.
AND competing against a crowd.

The solution is not panic buying.
It is being prepared.

1. Get pre-approved — know your real number
2. Run rent vs own maths at today’s rate
3. Start looking now — be ready when rates move

You can refinance a rate down later.
You cannot go back in time and buy
at today’s prices.

DM us “WAIT” for a free consultation.
No obligation. No cost. 30 minutes.

Note: Figures are indicative estimates based on
current Sydney market data. General information
only — not financial advice.


5 home loan myths that cost Australians thousands every year. The banks never corrected them. We will.MYTH 1: You need a...
05/06/2026

5 home loan myths that cost Australians thousands every year.

The banks never corrected them. We will.

MYTH 1: You need a 20% deposit.
FACT: You can buy with 5% — unlimited places, no income cap. ✅

MYTH 2: Mortgage brokers cost money.
FACT: 100% free. We’re paid by the lender. You pay nothing. ✅

MYTH 3: Your bank gives you their best rate.
FACT: Banks charge loyal customers 0.5–1% more than new ones.
The loyalty tax is real. ✅

MYTH 4: Bank declined = nobody will approve you.
FACT: ~20% of bank declines get approved by non-bank lenders. ✅

MYTH 5: Wait until everything is perfect before talking to a broker.
FACT: 6–12 months before you’re ready is the BEST time to call us. ✅

Which myth did YOU believe before today?

Comment the number below 👇 — I genuinely read and reply to every comment.

Save this and share it with someone about to start their home buying journey 📌


03/06/2026

How much can you borrow for a home loan?

Most people say “roughly 5× my salary.” But lenders look at 4 things —
and most people only know about one of them.

Here’s what actually determines your borrowing power:

1️⃣ INCOME — Salary, bonuses, rental income. Roughly 5–6× gross annual.

2️⃣ CREDIT CARD LIMITS — Not your balance. Your LIMIT.
A $10,000 limit reduces borrowing power by $50,000–$60,000.
Even if you pay it off every month. 😬

3️⃣ LIVING EXPENSES — The HEM benchmark. Subscriptions, BNPL,
dining — all assessed together.

4️⃣ SERVICEABILITY BUFFER — APRA requires lenders to test you at
your rate + 3%. On 6.5%, you’re tested at 9.5%. This is why
borrowing power feels lower than expected.

3 things you can do TODAY:
✅ Cancel unused credit card limits
✅ Pay off personal loans where possible
✅ Close buy now pay later accounts you don’t use

These 3 steps alone can add $50,000–$100,000 to what you can borrow.

DM us “BORROW” and we’ll calculate your actual number — free, 20 minutes, no credit check.

Save this 📌 — and share it with anyone preparing to apply for a home loan.


Sydney house prices fell in Q1 2026. Auction clearance rates are below 50%.For the first time in years — buyers have the...
01/06/2026

Sydney house prices fell in Q1 2026. Auction clearance rates are below 50%.

For the first time in years — buyers have the upper hand.

Here’s what the data shows right now:
📉 Sydney prices: -0.02% in Q1 (first quarterly fall in 3 years)
🔨 Clearance rates: below 50% nationally
📋 More listings hitting the market than 12 months ago

Three rate hikes reduced what buyers could borrow — and made sellers more willing to negotiate. Less competition. More stock. More time to make good decisions.

The challenge: borrowing capacity is lower and repayments are higher.
The opportunity: vendors are negotiating in a way they haven’t for years.

And the RBA is expected to PAUSE in June — giving a brief window of stability.

Units in the Hills District are particularly interesting right now — some established apartments are available below replacement cost. That gap doesn’t stay open forever.

This doesn’t mean panic buying. It means being positioned to act when the right property appears.

DM us “WINDOW” and we’ll map out exactly what you can buy right now — free.

Save this and share with anyone who’s been waiting for the right time 📌

Note: Market data sourced from Q1 2026 property reports. All figures are general in nature. Not financial advice.

29/05/2026

The 5% Deposit Scheme is working. But there’s a catch nobody is talking about.

Since the scheme expanded in October 2025 — removing income caps and place limits —
entry-level Sydney homes rose 6.7% in just 6 months.

Compare that to 3.6% growth in higher-priced properties in the same period.

What’s happening: more eligible buyers entered the market. Supply didn’t increase at
the same rate. Basic economics — prices at the entry level rose faster.

If you already bought using the scheme: great news. Your equity is building faster
than expected. ✅

If you’re still saving and waiting: the properties you were targeting just got more
expensive. ⚠️

The maths:
6 months ago — $650k Hills District unit, 5% deposit needed: $32,500
Today — same unit now ~$693k, 5% deposit needed: $34,677

That’s $2,177 more in deposit needed — plus 6 more months of rent paid.

The scheme is genuinely helpful. But it doesn’t freeze prices while you decide.

The smart move: get pre-approved, stack every scheme you qualify for, and buy
with a strategy.

That’s exactly what we do in a free 30-minute consultation.

DM us “SCHEME” and we’ll check your eligibility and map out your next step — free.

Save this and share it with anyone still on the fence about buying 📌

Note: Price movements are estimates based on market data. Property values vary
by suburb and property type. General information only — not financial advice.

LMI can cost $27,000 on a Sydney home.And here’s the part that shocks most people:It doesn’t protect YOU.It protects you...
27/05/2026

LMI can cost $27,000 on a Sydney home.

And here’s the part that shocks most people:

It doesn’t protect YOU.

It protects your LENDER. 🏦

LMI (Lenders Mortgage Insurance) is insurance your bank takes out against the risk that you default. You pay the premium. The bank gets the payout.

At today’s 6.5%+ rates — you’re not just paying $18k–$27k upfront. You’re adding it to your loan and paying interest on it for years.

Here are 3 ways to pay exactly $0:

1️⃣ Save a 20% deposit — no LMI required. Takes longer but gives you the best rates too.

2️⃣ 5% Deposit Scheme 🏛️ — Government guarantees 15%. You only need 5%. LMI completely eliminated. Now UNLIMITED, no income cap, Sydney cap $1.5M.

3️⃣ Guarantor loan — A parent uses their property equity as security. You buy with little or no deposit. Zero LMI.

BONUS: Doctors, nurses, lawyers, and accountants — you may qualify for an LMI waiver from certain lenders even at 10% deposit. Swipe to slide 7.

Which one is right for you depends on your deposit, timeline, and family situation.

We work that out for free, in 30 minutes.

DM us “LMI” and we’ll check your situation — completely free, no obligation.

Save this and share it with any first home buyer who thinks LMI is unavoidable 📌

Note: LMI cost estimates are indicative. Actual costs vary by lender and insurer. General information only — not financial advice.

25/05/2026

The RBA has raised interest rates again — bringing the cash rate to 4.35%.

If you’re on a variable mortgage, your repayments may have already increased… or could increase soon.

For many Australians, this could mean paying hundreds or even thousands more each year unnecessarily.

Now is the time to review your home loan and make sure you’re still getting a competitive rate.

DM us “RATE” for a free mortgage review.

✅ Good news from the 2026 Budget that most people missed.The 6-year CGT absence rule is COMPLETELY UNTOUCHED.If you’ve m...
22/05/2026

✅ Good news from the 2026 Budget that most people missed.

The 6-year CGT absence rule is COMPLETELY UNTOUCHED.

If you’ve moved out of your home and are currently renting it out — your tax position didn’t change on 12 May 2026.

Here’s the short version of what the rule does:

🏠 You live in your home as your main residence
🚗 You move out for any reason
✅ You can still treat it as your main residence for CGT purposes for up to 6 YEARS

Sell within those 6 years → zero capital gains tax. As if you’d been living there the whole time.

On a Sydney property that’s grown $250,000 in value — that’s potentially $117,500 in tax savings. Still fully available. Still untouched.

The budget changed negative gearing and the 50% CGT discount for investors. It did NOT change this rule.

Swipe through to understand exactly how it works, who it protects, and what it means if you’re buying your first home now 👉

DM us “CGT” and we’ll explain how this applies to your situation — free.

Save this and share it with anyone who moved out of their home and is worried about tax 📌

Note: this is general information — for your specific tax situation, always speak with a qualified accountant.

📅 If you’ve been waiting for the right time to buy your first home — this might be it.Here’s what just aligned in May 20...
20/05/2026

📅 If you’ve been waiting for the right time to buy your first home — this might be it.

Here’s what just aligned in May 2026:

1️⃣ The 2026 Budget removed negative gearing on established homes for new investors — less competition at auction for you
2️⃣ The 5% Deposit Scheme is now unlimited — no income caps, no place limits, $0 LMI
3️⃣ Stack $10k FHOG + $0 stamp duty + $0 LMI = $40,000+ in potential savings on a new NSW home
4️⃣ Foreign buyer ban extended to 2029 — more field clearing

On a $600k new home in Sydney — combining all schemes could reduce your actual cash needed.

Is this a guaranteed win? No. Prices aren’t about to crash and conditions vary. But the combination of factors right now is genuinely meaningful — and conditions like this don’t last forever.

The best move is to understand your position before anything else.

DM us “WINDOW” and we’ll map out exactly what you can buy right now — free, no obligation.

Save this and share with anyone on the fence about buying 📌

Address

12/4A Meridian Place
Sydney, NSW
2153

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

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