Focused on Finance

15/10/2026

🏠 Could your home be negatively geared one day? 🏠

New negative gearing rules that take effect from mid-2027 only apply to properties purchased after 12 May 2026.

So your home could be eligible for negative gearing in the future as an investment property.

Chat with your accountant or financial adviser first.

And then DM us to understand your finance options. 👇

To find out more, DM us or contact Focused On Finance on:

☎️ – 08 9760 1998
💻 – [email protected]

15/10/2026

What does Australia have in common with the United Kingdom and the Netherlands? In all three countries brokers facilitate more than 80% of new mortgages. We explain why. 😃

What does Australia have in common with the United Kingdom and the Netherlands? In all three countries brokers facilitate more than 80% of new mortgages. We explain why.The numbers say it all. Last year, brokers in Australia arranged one home loan every 38 seconds.Why have brokers become the go-to p...

14/10/2026

🛠️ Home renovations are on the rise, but keep an eye on costs 🛠️⁣
⁣
Major bank NAB reports a 16% jump in demand for renovation loans nationally. 📈⁣
⁣
The good news is that building costs have come off recent peaks. 🏡⁣
⁣
But they always have the potential rise again - like they did when fuel prices increased a few months back. ⛽⁣
⁣
The solution can be to build a buffer into your budget, and lock in quotes where possible. 💰⁣
⁣
Talk to us for a renovation loan that can help your project become a reality. 👇⁣
⁣
To find out more, DM or contact the Focused On Finance team on:

☎️ – 08 9760 1998
💻 – [email protected]

12/10/2026

⏳ How hard does the market usually bounce back after a downturn?⏳⁣
⁣
Waiting for property prices to hit a cyclical low could potentially work against home buyers. 🏡⁣
⁣
Domain research shows prices have risen 32% on average after each of the eight past downturns. 📊⁣
⁣
If the market dips now, buyers could potentially purchase a house at a good price. ⁣
⁣
But if you wait too long, the market could pick up again and you could be purchasing when buyer competition is fierce. ⁣
⁣
Being prepared is key. Speak to us today about pre-approval and get started on your property journey. 👇⁣
⁣
To find out more, DM or contact the Focused On Finance team on:

☎️ – 08 9760 1998
💻 – [email protected]

08/10/2026

📈 Demand for first home buyer loans jumped 16% 📈

It’s thanks largely to the expanded 5% Deposit Scheme.

Gen Z (18-25) has been the biggest benefactor, with Equifax reporting a 23% jump in home loan demand since October.

Could the 5% Deposit Scheme help you bring forward your home buying plans?

DM us to find out.
👇

To find out more, DM us or contact Focused On Finance on:

☎️ – 08 9760 1998
💻 – [email protected]

08/10/2026

A fourth rate rise for 2026 has just made checking your home loan rate a priority. But what does a ‘good’ rate look like right now? We reveal what’s currently a competitive rate, and how you may be able to land one.

A fourth rate rise for 2026 has just made checking your home loan rate a priority. But what does a ‘good’ rate look like right now? We reveal what’s currently a competitive rate, and how you may be able to land one.Let’s not sugarcoat this. Four rate hikes in just eight months is leaving ple...

07/10/2026

🏡 Strategies that can help clear your mortgage by retirement 🏡⁣
⁣
One-in-three Gen Xs expect that they'll still be paying off a home loan in retirement, according to a Citro/AMP report.⁣
⁣
But there are ways to potentially clear the slate sooner. 💡⁣
⁣
Refinancing could see you save with a lower rate (just try not to extend the home loan term). ⁣
⁣
An offset account can also put spare funds to work by reducing the interest charged on your home loan each month.⁣
⁣
Meanwhile, making consistent extra repayments more often can help chip away at the loan balance. 📉⁣
⁣
Call us for more tips to potentially be mortgage-free by the time you retire. 👇⁣
⁣
To find out more, DM or contact the Focused On Finance team on:

☎️ – 08 9760 1998
💻 – [email protected]

05/10/2026

🏡 1-in-3 home buyers rely on the bank of mum and dad 🏡⁣
⁣
That's the latest survey data from Compare the Market.⁣
⁣
But beware: lenders may check that financial support is a gift, not a loan to be repaid. ⚠️⁣
⁣
Otherwise it may reduce your borrowing capacity. 📉⁣
⁣
And banks still want to be sure you can comfortably manage loan repayments. 🏡⁣
⁣
Speak to us first to find out how mum and dad can potentially lend a helping hand - without leading to hiccups during your loan application. 👇⁣
⁣
To find out more, DM or contact the Focused On Finance team on:

☎️ – 08 9760 1998
💻 – [email protected]

02/10/2026

📈 Home loan rate rising? Here are your options 📈

Three consecutive rate hikes have wiped out last year’s rate cuts. But you don't have to just wear the higher interest rate.

Competition is heating up for your business among lenders - so it might be time to shop around?

Talk to us about refinancing. We’ll cast our net wide to help you save on interest. 👇

To find out more, DM us or contact Focused On Finance on:

☎️ – 08 9760 1998
💻 – [email protected]

30/09/2026

💳 The BNPL trap: how it could impact your home loan application 💳⁣
⁣
Buy Now Pay Later (BNPL) may be quick and convenient, but it could affect your home loan application and/or credit rating. 🏡⁣
⁣
That's because every time you apply for BNPL, it may trigger a credit check. 🔍⁣
⁣
And too many credit checks can affect your credit score and be a red flag for lenders. 🚩⁣
⁣
Late or missed BNPL payments can also be reported, which could reduce your credit score even further. ⁣
⁣
Talk to us to know how BNPL could impact your loan application. 👇⁣
⁣
To find out more, DM or contact the Focused On Finance team on:

☎️ – 08 9760 1998
💻 – [email protected]