HCQ Finance

HCQ Finance Strategic commercial, SMSF & residential lending specialists. Major bank credit experience. Team-based advisory. We work for our clients — not the banks.

We structure complex finance solutions for business owners and investors.

🌟 Property Investors — EOFY Is Nearly Here! Are You Ready? 🌟30 June is fast approaching, and if you’re a property invest...
02/06/2026

🌟 Property Investors — EOFY Is Nearly Here! Are You Ready? 🌟
30 June is fast approaching, and if you’re a property investor, now is the perfect moment to take stock before the financial year wraps up.

With recent Federal Budget changes coming into effect from 1 July 2027 — including updates to negative gearing and capital gains tax — it’s more important than ever to stay across your numbers and your strategy. Existing properties are grandfathered, but your next move might look a little different.

Here are a few smart steps to consider before EOFY:

🔍 Review your rental income
Check how your rent compares to similar properties, especially with recent rate changes. A quick market check can reveal opportunities you might be missing.

💸 Look over your expenses
From property management fees to insurance, repairs, and loan structure — small tweaks can make a big difference.

🧾 Know what you can claim
The ATO has clear rules around what’s deductible now, what’s deductible over time, and what’s not deductible at all. Accurate records = smoother tax time.

📉 Consider a depreciation schedule
If you don’t have one, a qualified quantity surveyor can help you maximise eligible deductions on fixtures, fittings, and assets.

📂 Get your records in order
You need to keep rental property records for at least five years. Digital tools like the ATO’s myDeductions app or Xero make this much easier.

🏦 Review your finance
With the cash rate at 4.35%, it might be time to reassess your loan structure or explore refinancing options. Your equity could even support future plans.

EOFY is the perfect time to reset, review, and plan ahead. If you’d like help understanding your options or getting a clearer picture of your investment strategy, reach out anytime — I’m here to help you make confident decisions.

Big changes are happening in the property and finance space 👀This month’s Federal Budget and latest RBA rate rise have b...
26/05/2026

Big changes are happening in the property and finance space 👀

This month’s Federal Budget and latest RBA rate rise have brought some major updates for homeowners, investors, first home buyers and business owners.

Here are a few of the key changes worth knowing about:

🏡 First home buyers
The 5% deposit Home Guarantee Scheme is continuing, helping eligible buyers avoid Lenders Mortgage Insurance (LMI).

📈 Interest rates
The RBA increased the cash rate again to 4.35%, with more rises still possible this year as inflation remains high.

💰 Property investors
From July 2027, negative gearing on established properties will change, along with updates to Capital Gains Tax rules for new investments.

🧾 Cost of living relief
New tax deductions and tax cuts are on the way for workers, sole traders and small businesses.

🏢 Small business owners
The $20,000 instant asset write-off is now permanent for eligible businesses.

📉 Property market update
National property growth is slowing, with Sydney and Melbourne values declining, while regional areas are still seeing moderate growth.

There’s a lot changing right now, and understanding how it affects your borrowing power, future plans or current loan is more important than ever.

If you’d like to review your home loan, explore your options, or simply understand where you stand in the current market, reach out anytime 📩

🏘️ Is rental yield becoming more important than capital growth?With changing market conditions, many investors are start...
19/05/2026

🏘️ Is rental yield becoming more important than capital growth?

With changing market conditions, many investors are starting to shift their focus…

Instead of relying on property price growth alone, there’s now a bigger emphasis on:
👉 Rental income
👉 Cash flow

So let’s break it down 👇

💡 What is rental yield?

Rental yield is a simple way to measure how much income a property generates compared to its value.

Example:
$500/week rent = $26,000 per year
$600,000 property value = ~4.3% yield

📊 What’s considered “good”?

As a guide (as at March 2026):
🏠 Houses: ~3%
🏢 Units: ~4.3%

Higher yields = stronger rental income
But… it always depends on your goals and strategy

🔍 What impacts rental yield?

✔️ Property type
Units often have higher yields (but extra costs like strata)

✔️ Location
Regional areas can offer higher yields — but may come with higher vacancy risk

✔️ Market conditions
Supply, demand, and interest rates all play a role

📈 Why this matters right now

With interest rates still high and price growth slowing in some areas,
many investors are asking:

👉 “Is this property going to hold itself financially?”

That’s where rental yield and cash flow become key.

💬 Thinking about investing?

The right strategy isn’t just about picking a property — it’s about structuring your finance properly too.

I can help you:
✔️ Understand your borrowing capacity
✔️ Compare loan options
✔️ Align your loan with your investment strategy

📩 Reach out if you’d like to explore your options

Ann-Maree Land
HCQ Finance
📧 [email protected]

📱 0466 918 782

🏡 Want to buy your next home before selling your current one?Timing the property market can be tricky… especially when y...
12/05/2026

🏡 Want to buy your next home before selling your current one?

Timing the property market can be tricky… especially when you need to sell and buy at the same time.

That’s where bridging finance can come into play 👇

🔑 What is a bridging loan?

It’s a short-term loan that allows you to purchase your next property before selling your existing one.

In simple terms — it “bridges the gap” between the two transactions.

✔️ Use the equity in your current home
✔️ Secure your next property sooner
✔️ Avoid moving twice or renting in between

💡 Why are more people considering it?

In fast-moving markets, making an offer subject to sale can put you at a disadvantage.

A bridging loan may allow you to:
✔️ Act quickly when the right property comes up
✔️ Make a stronger offer (subject to finance instead)
✔️ Reduce the stress of lining up settlement dates

⚠️ But it’s not for everyone…

Bridging finance can be incredibly helpful — but it does come with risks:

▪️ You’ll temporarily have two properties (and debt)
▪️ Interest rates may be higher
▪️ If your home takes longer to sell (or sells for less), it can impact your plans

📊 Lenders will look at things like:
✔️ Your available equity
✔️ Your ability to manage the “peak debt”
✔️ Expected sale price of your current home

💬 Thinking about your next move?

Bridging loans can be a great solution in the right situation — but they need to be structured carefully.

I can help you:
✔️ Understand if it’s suitable for you
✔️ Run the numbers and risks
✔️ Structure it the right way

📩 Reach out if you’d like to explore your options

Ann-Maree Land
HCQ Finance
📧 [email protected]

📱 0466 918 782

💡 Offset vs Redraw… are you using the right loan features?With interest rates rising, more Aussies are taking a closer l...
05/05/2026

💡 Offset vs Redraw… are you using the right loan features?

With interest rates rising, more Aussies are taking a closer look at their home loans — and one of the biggest missed opportunities I see is not using the right features properly.

Two of the most common (and powerful) tools are:
👉 Offset accounts
👉 Redraw facilities

But they work very differently…

🏦 Offset account – flexible & powerful
Your savings sit in an account linked to your loan, reducing the interest you’re charged.

✔️ Can save you thousands in interest
✔️ Money is still accessible anytime
✔️ Can be tax-effective (especially for investors)

💡 Example:
$500k loan + $50k in offset = only paying interest on $450k

🔁 Redraw facility – disciplined & structured
You pay extra into your loan and can redraw it later if needed.

✔️ Reduces your loan balance (and interest)
✔️ Can help you pay off your loan faster
✔️ Harder to access = great for building savings habits

⚠️ But here’s the catch…

Not all loans are created equal, and these features can come with:
▪️ Higher fees or rates
▪️ Access restrictions
▪️ Tax implications (especially for investors)

📊 It’s no surprise refinancing is booming

Over 640,000 Australians refinanced in 2025 — a 20% increase!

Many are:
✔️ Chasing better rates
✔️ Looking for smarter loan structures
✔️ Trying to reduce interest and repayments

💬 Not sure what’s right for you?

The best option depends on your situation, goals, and (if investing) your tax position.

I can help you:
✔️ Review your current loan
✔️ Explain the pros & cons in plain English
✔️ Structure your loan to suit your strategy

📩 Reach out if you’d like to explore your options

Ann-Maree Land
HCQ Finance
📧 [email protected]

📱 0466 918 782

📊 The property market is splitting… what does it mean for you?We’re seeing a really interesting shift across Australia r...
28/04/2026

📊 The property market is splitting… what does it mean for you?

We’re seeing a really interesting shift across Australia right now 👇

🏃‍♂️ Perth is booming (with strong growth continuing)
📈 Brisbane, Adelaide & Hobart are still rising steadily
😐 Sydney & Melbourne? Starting to flatten

At the same time, interest rates are still a big talking point…

The RBA has already lifted the cash rate to 4.10%, and there’s talk we could see more increases in the coming months.

💡 What does that mean in real terms?
A $500k loan could cost around $239 more per month
A $1M loan could be up $478 per month

So it’s no surprise many homeowners and investors are starting to reassess their position.

So… what should you be doing right now?

✔️ Buying? Strategy matters more than ever – timing and location are key
✔️ Already have a loan? It’s worth checking if your rate is still competitive
✔️ Thinking of investing? Not all markets are performing the same

There’s no “one-size-fits-all” approach in this kind of market — which is why getting the right advice can make a huge difference.

💬 Need a quick review of your situation?

Whether it’s a refinance, a purchase, or just a home loan health check, I can help you:
✔️ Compare lenders
✔️ Review your current loan
✔️ Understand your options clearly

📩 Get in touch if you’d like to chat

Ann-Maree Land
HCQ Finance
📧 [email protected]

📱 0466 918 782

Some days in finance look a little different… and I’m not complaining🐔 🐓 🐓🐶 🐶 Today I had the absolute pleasure of visit...
28/04/2026

Some days in finance look a little different… and I’m not complaining
🐔 🐓 🐓🐶 🐶

Today I had the absolute pleasure of visiting one of my amazing farm clients and found myself standing in the middle of 500 curious chickens and two gorgeous 4-month-old Maremma pups in training. Safe to say my usual office meetings don’t come with this much personality!

One of the things I love most about what I do is getting to meet hardworking business owners from all walks of life and seeing firsthand the passion behind their businesses. From spreadsheets to paddocks — every client has a story, and I feel very lucky to be part of the journey.

Also… I may have seriously considered bringing one of these fluffy supervisors home with me 🤍

First Home Buyers 🏠Buying your first home is exciting… but it can also feel overwhelming 😅That’s why over 77% of Austral...
21/04/2026

First Home Buyers 🏠

Buying your first home is exciting… but it can also feel overwhelming 😅

That’s why over 77% of Australians now use a mortgage broker to help them through the process.

Here’s how I can help 👇
✔️ Work out your real borrowing power
✔️ Compare lenders (not just one bank)
✔️ Help with grants & schemes you might be eligible for
✔️ Guide you from start to settlement

You don’t have to figure it all out on your own 🤍

If you’re thinking about buying your first home—even if it’s just a “maybe one day”—let’s have a chat.

Refinancing Explained 💰With interest rates rising, more homeowners are asking… should I refinance?Last year alone, over ...
14/04/2026

Refinancing Explained 💰

With interest rates rising, more homeowners are asking… should I refinance?

Last year alone, over 640,000 Australians switched their home loan—and here’s why:

✔️ To get a better interest rate
✔️ Reduce repayments
✔️ Access equity (reno, debt consolidation, etc.)
✔️ Improve loan features

The process is simpler than most people think—and sometimes you don’t even need to change lenders.

If you haven’t reviewed your loan in a while, it might be worth a quick check 👀

Send me a message if you’d like to see what’s possible for you.

🏖️ Thinking About Investing in a Holiday Home? Here’s Your Quick GuideEver dreamed of owning a cosy mountain cabin or be...
12/12/2025

🏖️ Thinking About Investing in a Holiday Home? Here’s Your Quick Guide

Ever dreamed of owning a cosy mountain cabin or beachside shack you can escape to and rent out for extra income? A holiday home can be a beautiful blend of lifestyle and investment — but there are a few things to think through first.

📅 1. Plan How You’ll Use It
Will it be mostly for your own getaways, or primarily a rental?
Peak holiday seasons bring in the best rental income — which might mean giving up personal stays during those times. Look into whether similar properties rent year-round or just seasonally so you can budget properly.

🔍 2. Research the Market
Before you buy, take a good look at the local area:
• Is demand strong for short-term rentals?
• Will you rely on seasonal tourism?
• Are there shops, cafés, transport and future infrastructure planned?
The right location influences both rental income and long-term growth.

📜 3. Understand Local Laws & Regulations
Rules for holiday rentals vary by state and council. Some areas require registration, have caps on short-stay nights, or set standards for things like fire safety or noise.
Example: Victoria now has a 7.5% levy on stays under 28 days.
Do your homework early so there are no surprises.

💰 4. Know the Financial Side
Costs can include:
• Mortgage repayments
• Rates
• Insurance (including public liability)
• Cleaning & maintenance
• Management fees (if using an agent)

It’s also worth chatting to your accountant about:
• Tax deductions (only for the period the property is rented or genuinely available for rent)
• Negative gearing
• Capital gains tax when selling
• Stamp duty and land tax

🌅 Ready to Make It Happen?
A holiday home can be both an investment and a personal oasis. If you’re thinking about taking the next step, I’m here to help you explore your finance options and map out the smartest strategy.

Just reach out when you're ready! 💛

Address

4/240 Queen Street
Brisbane City, QLD
4000

Opening Hours

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

Telephone

+61466918782

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