Proactive Finance Group

07/10/2026

🏡 Is the Property Market Starting to Wake Up Again?

It’s been a busy few weeks here at Proactive Finance Group, and we're definitely noticing more activity in the market.

After a quieter period following the Federal Budget, we're seeing buyers re-enter the market, more pre-approval enquiries, and plenty more conversations about purchasing property as confidence starts to build heading into spring. 🌸

Victoria continues to tell two very different stories:

📍 Melbourne has seen property values soften over recent months as higher listing numbers and cautious buyer sentiment continue to impact the market.

📍 Regional Victoria has remained much more resilient, with many areas holding their value well and buyer activity staying relatively strong. Closer to home, Bendigo, Ballarat and a number of affordable regional locations continue to attract solid interest.

💰 One area that certainly isn't slowing down is the rental market, with rents remaining at record highs across both Melbourne and Regional Victoria. This is prompting many households to revisit the age-old question: Is it time to keep renting, or is buying now the better option?

As we move through spring, traditionally one of the busiest times of the year for property, it will be interesting to see whether increased listings create more opportunities for buyers or whether rising confidence sparks greater competition.

Thinking about buying, refinancing, investing, or just wanting to understand your borrowing options? We'd love to help. 💚

📞 Get in touch with the team at Proactive Finance Group for a chat.
03 44 183 444

05/10/2026

We're so grateful to be working with Jacinta again since this review and are thankful for her continued trust in our team. 💚

As someone with a very busy schedule, knowing that we can provide support, guidance and solutions when they're needed most means the world to us. Helping clients achieve their goals, especially when others have told them it isn't possible, is one of the most rewarding parts of what we do.

Thank you, Jacinta, for your wonderful feedback and for allowing us to be your advocate throughout your lending journey. It's always a pleasure to support you, and we look forward to working with you again in the future. ✨

01/10/2026

🏡 Did you know that the equity you've built in your home could help you achieve your next financial goal?

Whether you're planning renovations, considering an investment property, or looking to consolidate debt, understanding how equity works is the first step.

Our latest blog explains what equity is, how it's calculated, and how it may help unlock opportunities for homeowners.

👉 Read more

Many homeowners have a rough idea of what their property is worth, but fewer understand how the equity they’ve built up could support future financial goals. Whether you’re considering renovations, upgrading, purchasing an investment property or simply exploring your options, understanding equit...

29/09/2026

💡 The RBA has today raised the cash rate to 4.60% in a unanimous decision. This is the highest cash rate since November 2011.

They have noted while the economy is showing signs of slowing, inflation remains too high, prompting the Board to further tighten financial conditions.

If you'd like to chat with Hayley about how today's rate rise may impact your home loan, repayments, or future borrowing plans, we'd be happy to help you explore your options. 💚

Call Nat to book an appointment 📞 03 44 183 444

24/09/2026

🌸 More homes are being listed this spring... but are buyers really gaining the upper hand?

With fresh stock returning to the market, many Australians are wondering whether they'll have more properties to choose from or whether competition will remain fierce.

We break down what's happening in the market and what it could mean for your next move.

👉 Read the full blog here

Spring is traditionally the busiest time of the year in the property world. More sellers tend to list their properties during this season, when gardens are looking their best and pleasant weather makes weekend open homes and moving house easier. (We are certainly loving the blooms in Bendigo, especi...

22/09/2026

🏡 Want to buy your first home? Start before you're “ready”.

That was probably my biggest message from Thursday night's Young Professionals Network First Home Buyer Panel.

I joined Alex from Bendigo Bank , Narelle from PRD Real Estate, Bendigo and Shannon from Beck Legal to answer questions from a room full of first home buyers. And there were some GREAT questions!

💰 How much deposit do I need?
🏡 What government schemes are available?
📊 How much can I borrow?
💸 What repayments can I actually afford?

One thing I always tell our first home buyers at Proactive Finance Group is:
Get the information early, then give yourself something realistic to work towards.
We often start helping clients 6–12+ months before they're ready to buy.

That might mean setting a savings goal, cleaning up a few debts, understanding the government schemes available or simply working out what a comfortable mortgage repayment looks like.

And don't put too much pressure on that first purchase.

✨ It's your first home – it doesn't have to be your forever home.

A huge thank you to YPN, Linden and Be.Bendigo for putting on such a great event and inviting me along, and to my fellow panellists for sharing their knowledge.

📩 Want some First Home Buyer tools?
We've got:
✔️ First Home Buyer Glossary
✔️ Budget Tool
✔️ Government Incentives & Schemes Guide

Comment “FIRST HOME” below or DM us your email address and we'll send them through. 💚

16/09/2026

⭐ 100 Google Reviews! ⭐

We couldn't have done it without our incredible clients. Thank you for your trust, support, and referrals.

We're truly grateful to be part of your home loan journey. 💚

14/09/2026

I'm excited to be joining the panel for the upcoming Young Professionals Network - Bendigo Finance After 5 event: Buying Your First Home and Building Your Wealth.

As a mortgage broker, one of the most rewarding parts of my role is helping people navigate the journey to home ownership. I'll be sharing practical tips on how to prepare your finances, understand the lending process, and put yourself in the best position when the right property comes along.

If you're thinking about buying your first home, I'd love to see you there and help answer your questions.

📅 Thursday 17 September 2026
📍 Emporium Creative Hub, 25 Mitchell Street Bendigo
🕡 6.30pm for a 6.45pm start

🎟️ Secure your spot today

Looking forward to a great evening with Bendigo YPN and an incredible panel of local experts.

Join YPN's Finance After Five event and connect with like-minded young professionals aged 18 to 35 while gaining valuable insights.

10/09/2026

A huge thank you to Shelby for her kind words! 💚

Helping first home buyers navigate the journey with confidence is something we're passionate about, and it's wonderful to hear that Shelby felt supported every step of the way.

From our first meeting through to the exciting milestones along the way, it was a pleasure to assist in making the dream of building a first home a reality.

Here's what Shelby had to say about her experience with Hayley, Natalie and Grace: 👇🏼

08/09/2026

💭 Investor question: Will the new negative gearing reforms change your property plans?

The answer may depend on your goals, timeframe and overall strategy.

Some investors are pressing pause, while others are identifying new opportunities in a changing market.

One thing is clear: understanding the impact of policy changes is essential before making any major investment decision.

Have you reviewed your strategy recently?

Read more in our latest blog: 👉 Are property investors changing course after the new negative gearing reforms?

👇 We'd love to hear your thoughts. Are these changes influencing your plans?

The Federal Government’s negative gearing and Capital Gains Tax (CGT) reforms represents a significant shift in how future property investments will be treated for tax purposes. For investors considering their next purchase, the changes may influence everything from the type of property they buy t...