Affinitas Finance

Home
Australia
Brisbane, QLD
Affinitas Finance

Call Directions Website Contact the business

Smart, strategic and simple
Raising finance can easily become overwhelming. Let us help you define a

15/10/2026

Helping your adult children into a home is one of the most generous things a family can do. It can also be easier when a few conversations happen first.

A few worth having before any money moves:

What would we want to happen if their relationship changes?
Might we need this money back, and when?
How will we talk with our other children about it?
Who should be at the table, like our accountant and solicitor? Who else?

There’s no one right answer to any of these, but they’re worth asking early.

Every situation is different, and this is general information only.

12/10/2026

Helping your adult children into a home is a generous thing to do. It also raises questions that are easier to ask before the money moves than after.

That was the case for a family we worked with. They’d built a strong financial position over many years and wanted to help their adult child and partner buy closer to home. With the couple’s borrowing capacity tight, that meant a contribution of $400,000 to $500,000.

The couple’s relationship was still new, and the family’s accountant and estate planning specialist raised a fair concern about protecting what the family had built.

We worked with the family and their lender on the structure, and the family kept flexibility if circumstances changed down the track.

Tanya talks through it in the video on the case study page. If you’re thinking about helping your own children, we’re happy to talk it through.

Every situation is different. Identifying details have been changed, and this is general information only. Questions about tax, legal and estate planning are best taken to your accountant and solicitor.

07/10/2026

When the cash rate rises, a natural first question is "Can we afford the higher repayment?"

It's a fair place to start, and an important one. But it's not the only question worth asking.

Another is: "What does this change for us?"

Maybe it affects the timing of a renovation, a new car, an investment, or where you holiday next year. Those are the plans where meaningful adjustments can be made.

It's less about cutting back on the little things, and more about looking at the bigger picture.

Every household's answer will look different, and that's really the point.

01/10/2026

A beautiful review from Bronwyn this week, and thank you so much for sharing it.

Bronwyn came to us with a complicated mortgage application, the kind of situation that can feel overwhelming from the outset. Making that process feel simple, rather than adding to the stress, is exactly what we aim for.

Congratulations on your new home, Bronwyn. We're so glad we could be part of making it happen.

30/09/2026

Every time the cash rate moves, the headlines tend to be dramatic. Today's rise to 4.60% is no exception.

For most people with a variable rate loan, this will mean an increase in repayments. Exactly how much depends on your loan balance and how many years are left on it, which is why the same rate rise looks different on paper for every household.

Rather than reacting to the headline number alone, it's worth understanding what it means for your specific situation, including what your new repayment is likely to look like, whether your current structure still makes sense, and if it's worth reviewing anything else while you're at it.

If today's news has you wondering where you stand, we're happy to talk it through.

28/09/2026

If you're paying private school fees, they can play a part in how much a lender is willing to lend.

Lenders generally treat school fees as an ongoing expense, usually assessed on top of the standard living costs used as a baseline. For a household paying fees for more than one child, that can make a real difference to the figure that comes back.

What's worth knowing is that lenders don't all work the same way. Each has its own policy on which expenses are included and how they're assessed, so the same family can be given different figures depending on who they ask.

It's the kind of thing that's easy to overlook until you're already looking. If school fees are part of your household picture, it's a good one to understand early.

24/09/2026

We hear a version of this a lot. Usually about a friend, a sibling, or someone at work who already owns property.

What you're comparing yourself to is rarely the full picture. Different income, different timing, different help along the way. It's worth understanding your own position clearly, rather than measuring it against someone else's.

That's a conversation worth having with us, whenever you're ready.

21/09/2026

Helping adult children into the property market is a conversation more families are having, and for parents with more than one child, it often comes with a second, quieter question: how do you do this fairly?

Circumstances rarely line up neatly. One child might be ready to buy now. Another might be years away. Incomes, relationships, and life stages differ, which means a solution that suits one child doesn't always suit another.

What we've seen, working with families through this, is that fairness doesn't require identical treatment. It requires thoughtfulness, and a willingness to look at each situation on its own terms rather than applying a single rule across the board.

If your family is navigating this, it's a conversation worth having early, and one we're always happy to be part of.

18/09/2026

Being someone's first call for future finance needs, and knowing they'd happily recommend us to the people they care about, is exactly the kind of trust we work hard to earn.

Thanks, Janae.

15/09/2026

"Should I fix my rate or stay variable?" is a question that comes up often, especially with rates where they've been this year.

The honest answer is that it depends entirely on your situation, your goals, and how you feel about rate movement. This carousel breaks down the real differences between fixed, variable, and split loans, so you can have a clearer conversation about what might suit you.

Address

11/1000 Waterworks Road
Brisbane, QLD
4061

Telephone

+61430383996

Website

http://www.affinitasfinance.com.au/

Alerts

Be the first to know and let us send you an email when Affinitas Finance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Affinitas Finance:

Want your business to be the top-listed finance company in Brisbane?