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What is happening in the North Brisbane property market?After an extended period of strong growth, the Brisbane property...
03/09/2026

What is happening in the North Brisbane property market?

After an extended period of strong growth, the Brisbane property market is beginning to change.

Cotality data shows Brisbane dwelling values declined by 0.6% during July. The median dwelling value is now approximately $1.1 million, around 0.7% below its May 2026 peak. Buyer activity has also eased nationally. The Australian Bureau of Statistics reported that the number of new home loan commitments fell by 5.4% during the June quarter, including an 8.6% fall in investor lending.

For buyers searching across North Brisbane, this may create opportunities that were difficult to find when competition was at its strongest.

If you are considering buying, now could be a good time to understand your borrowing capacity and arrange preapproval before you begin negotiating.

Speak with the team at Rate Money Aspley to find out where you stand. Give us a call for a chat Nicole 0439 799 966

Sources: Cotality market data reported by ABC News, ABS Lending Indicators, Reserve Bank of Australia

Credit criteria, fees and conditions apply. Information is general and does not consider your personal circumstances.

Running your own trade business is hard work. Your home loan should not be.Many tradies assume it is difficult to get fi...
15/08/2026

Running your own trade business is hard work. Your home loan should not be.

Many tradies assume it is difficult to get finance because they are self employed. The reality is that with the right lender and the right advice, there are often more options available than you might think.

Whether you are looking to:
• Buy your first home
• Upgrade to a bigger place
• Refinance to a lower rate
• Access equity for renovations or business purposes

We understand how to present self employed income and work with lenders who understand the way tradies operate.

If you have not reviewed your home loan recently, now is a great time to see what is possible.

Send us a message or give our team a call for an obligation free home loan health check.

In many cases, how your debts are structured can have a significant impact on your cash flow, borrowing capacity and fut...
12/08/2026

In many cases, how your debts are structured can have a significant impact on your cash flow, borrowing capacity and future lending options.
Whether it's credit cards, personal loans, car finance or multiple lending facilities, bringing debts together under the right structure may help create a clearer path towards your next property purchase or financial goal.
Before making major repayments or closing accounts, it's worth understanding how those decisions may affect your overall lending position.
At Rate Money Aspley, we work with clients to explore lending solutions, including debt consolidation strategies, to help simplify their finances and identify opportunities that support their future plans.
Thinking about buying a home, refinancing or wanting to get on top of multiple debts?
📞 Get in touch with our team to discuss your options.

One of the biggest surprises for first-home buyers isn't the deposit. It's all the other costs that come with purchasing...
10/08/2026

One of the biggest surprises for first-home buyers isn't the deposit. It's all the other costs that come with purchasing a property.
Here's what you should budget for:
💰 Deposit – Depending on your circumstances, this may be less than you think.
📑 Stamp Duty – This can be one of the largest upfront costs, although concessions may be available for eligible buyers.
🏦 Lenders Mortgage Insurance (LMI) – This may apply if you're borrowing more than 80% of the property's value.
⚖️ Conveyancing & Legal Fees – To handle the legal side of your purchase.
🏠 Building & Pest Inspections – A small investment that can save you thousands.
📋 Loan & Settlement Costs – Some lenders charge application or settlement fees.
🔌 Moving & Connection Costs – Removalists, utilities, internet and those little expenses that quickly add up.
The good news? Every buyer's situation is different, and you may not need to pay all these costs. There are grants, concessions and lender options that can significantly reduce the amount you'll need upfront.
At Rate Money Aspley, we don't just help you secure finance, we'll provide a personalised estimate of your total purchasing costs so you know exactly what to expect before you start house hunting.
Thinking about buying? We'd be happy to help you build a plan.
📞 Reach out to our team for a no-obligation chat.

⏳ How Long Does Home Loan Approval Take?One of the most common questions we are asked is, "How long does it take to get ...
06/08/2026

⏳ How Long Does Home Loan Approval Take?
One of the most common questions we are asked is, "How long does it take to get a home loan approved?"
The answer depends on the lender, your circumstances, and how quickly the required documents are provided.
As a general guide:
📋 Pre approval: Around 1 to 5 business days.
🏡 Formal approval: Around 2 to 10 business days once you have found a property and signed a contract.
📅 Settlement: Typically takes around 30 days from the contract date, although longer settlement periods are common and can be negotiated.
Our biggest piece of advice is simple. Always obtain a pre approval before you start making offers.
A pre approval gives you confidence to buy within your budget, helps identify any issues early, and means you are ready to move quickly when you find the right property.
At Rate Money Aspley, we help you understand your borrowing capacity, prepare a strong application, and guide you through every step from pre approval through to settlement.
Thinking about buying in the next 12 months? Now is the perfect time to start the conversation.
📞 Contact our team today to discuss your options.
Nicole 0439 799 966

We were grateful for the opportunity to present to the team at McGees Property Brisbane this morning.It was a fantastic ...
17/07/2026

We were grateful for the opportunity to present to the team at McGees Property Brisbane this morning.

It was a fantastic session where we shared insights into Rate Money Aspley, the current lending environment and what we're seeing across the mortgage market.
In return, we gained valuable insights from the McGees team about their business, their approach to commercial property, and what sets them apart in the industry.

With a Brisbane property legacy dating back to 1889, McGees Property Brisbane has been helping clients navigate the commercial property market for more than 135 years, a remarkable achievement built on trust, integrity and expertise.

A big thank you to everyone at McGees Property Brisbane for your warm welcome, engaging discussions and willingness to share your knowledge. We look forward to building a strong relationship and working together in the future.

💰 Rent or Buy?If you're paying $750 a week in rent, here's what that looks like over time:🏠 1 year: $39,000🏠 3 years: $1...
17/07/2026

💰 Rent or Buy?
If you're paying $750 a week in rent, here's what that looks like over time:
🏠 1 year: $39,000
🏠 3 years: $117,000
🏠 5 years: $195,000
That's nearly $200,000 spent on housing over five years.
Now, renting is absolutely the right choice for some people. It offers flexibility and may suit your current lifestyle.
But if you've been thinking about buying, it might be worth asking yourself:
Could those repayments be helping you build equity instead?
The right time to buy isn't when the market is "perfect"—it's when you're financially ready.
At Rate Money Aspley, we can help you understand:
✔ What you could borrow
✔ How much deposit you need
✔ Whether buying is achievable sooner than you think
You might be closer than you realise.
📍 Rate Money Aspley
Figures are based on rent of $750 per week over five years with no rent increases and are provided for illustrative purposes only. Buying a home involves additional costs and may not be suitable for everyone. Speak with us about your individual circumstances.

📊 Brisbane Property Snapshot | July 2026Wondering what's happening in the Brisbane property market?Here's a quick snapsh...
16/07/2026

📊 Brisbane Property Snapshot | July 2026
Wondering what's happening in the Brisbane property market?
Here's a quick snapshot.
🏡 Median Home Price: $1.073 million
After several years of exceptional growth, Brisbane recorded a slight monthly easing of 0.2% in June—the first monthly decline in over three years. This has created more opportunities for buyers, with less competition and greater negotiating power.
🏢 Units Continue to Shine
Brisbane's unit market continues to outperform as affordability drives demand, making apartments an increasingly attractive option for first home buyers and investors alike.
🏘️ Supply Still Matters
While buyer activity has become more balanced, Brisbane continues to face long-term housing supply challenges driven by strong population growth and limited new housing. These fundamentals continue to support the market over the longer term.
📈 What This Means for Buyers
• More properties to choose from
• Less urgency than we've seen in recent years
• Greater opportunity to negotiate
• The chance to buy before the next growth cycle
💬 Nicole's Market Insight
"The market has shifted from a frantic seller's market to one where buyers can take a breath and make informed decisions. If you've been waiting for the market to settle, now is a great time to understand your borrowing capacity and be ready when the right property comes along."
Thinking about buying, refinancing or investing?
Let's chat about your options.
📍 Rate Money Aspley
Sources: Cotality, Property Update, OpenAgent and publicly available market data. Statistics are current as at July 2026 and may change over time. This information is general in nature and is not financial or investment advice.

Is now actually a good time to buy in Brisbane?If you've been waiting for "the perfect time", here's what's happening in...
14/07/2026

Is now actually a good time to buy in Brisbane?
If you've been waiting for "the perfect time", here's what's happening in today's market.
✔ Buyer competition has eased compared to recent years, giving purchasers more breathing room.
✔ Brisbane's rental vacancy rate remains extremely low, highlighting continued demand for housing.
✔ Population growth and major infrastructure investment continue to support the city's long-term outlook.
✔ Unit prices continue to perform strongly as buyers seek more affordable ways to enter the market.
No one can perfectly predict where property prices will go next.
But history consistently shows that time in the market generally beats trying to time the market.
The right time to buy isn't when the headlines say so—it's when you're financially ready and have the right lending strategy.
Thinking about your next move?
Let's chat about your options.
📍 Rate Money Aspley
This information is general in nature and does not constitute financial or investment advice. Lending criteria, fees and eligibility requirements apply.

Time to cut the red tape?Being self-employed shouldn't mean jumping through endless hoops to secure finance.You've built...
10/07/2026

Time to cut the red tape?

Being self-employed shouldn't mean jumping through endless hoops to secure finance.
You've built the business, managed the cash flow, won the clients and taken the risks. Sometimes you just need a partner who understands that your story is more than a couple of tax returns.
At Rate Money Aspley, we work with a range of lending solutions designed for business owners, contractors and professionals who may not fit the traditional bank mould.
✔ Recently self-employed
✔ Trust and company structures
✔ Alternative income verification options
✔ Debt consolidation
✔ Investment lending
✔ SMSF lending solutions
If you've been told "it's too hard", "come back next year", or you've simply had enough of the paperwork, it might be time to explore what's possible.
Time to cut the red tape? Let's have a conversation.
📍 Rate Money Aspley
📞 Helping business owners find lending solutions that work with the way they earn.
Lending criteria, fees and eligibility requirements apply.

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Brisbane, QLD
4034

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