FinAus

15/10/2026

14/10/2026

🏡 Refinancing Your Home Loan? Don’t Make This Costly Mistake!

A lower repayment doesn’t always mean you’re saving money!

✅ Compare interest rates, fees and loan features ( Offset vs Redraw)
✅ Check the remaining loan term before refinancing. ( Personal loan over 5 years may cost less compare to Home loan over 10-20 years with lower repayment)
✅ Be careful when rolling car or personal loans into your mortgage. ( paying off debt in shorter term vs long term cost way too different)
✅ Have a repayment strategy to reduce long-term interest costs. ( Keeping maximum borrowing capacity, Managing cash flow, Using offset set up, Strategy Matter)

💡 Smart refinancing is about saving money today without paying more than necessary tomorrow.

Thinking about refinancing? Let’s review your options and find a strategy that works for you.

FinAus Mortgage Solutions
📞 0432 086 457
🌐 finaus.com.au

08/10/2026

🚨 Could Mortgage Stress Create a Buying Opportunity in Sydney?

Some Sydney suburbs are showing signs of increasing mortgage stress, with arrears reportedly around 3 times the national average.

And if we see another 1–2 rate increases, the pressure on some highly leveraged homeowners could increase further.

That could potentially create motivated or distressed sales — not because the suburbs are undesirable, but because some owners may simply need to sell.

🏡 For buyers who can genuinely afford to hold long term, this could create opportunities to buy in established Sydney suburbs at prices that may not come around often. Sometimes the best opportunities appear when the market feels uncomfortable.

If you’re financially ready and looking at Sydney property, it may be worth watching these markets closely.

📞 FinAus Mortgage Solutions
Finance & Mortgage Specialist
0432 086 457 | finaus.com.au

07/10/2026

Slowdown or Crash? Make your own Call!

06/10/2026

🏠 Thinking about buying a property? Don’t let the headlines make the decision for you.

Consumer confidence may be falling, but that doesn’t automatically mean you should sit on the sidelines.

Markets move in cycles. And sometimes, when sentiment is weak, buyers can find less competition, more negotiating power and better opportunities.

The right time to buy isn’t when everyone feels confident.

👉 It’s when YOU are financially ready.

Before making a move, look at:
✅ Your borrowing capacity
✅ Your cash flow and buffers
✅ Interest rates and loan options
✅ Property value and location
✅ Your long-term financial goals

Don’t try to time the market. Prepare yourself for the market.

If you’re thinking about buying, refinancing or simply want to understand your options, let’s have a conversation.

📞 0432 086 457
🌐 finaus.com.au

FinAus Mortgage Solutions — Your Goals. Our Solutions.

02/10/2026

Correction is pretty severe in high end area compared to one in the middle. Time to upgrade can work if you see the numbers....Sound like an Opportunity....Numbers show 12 month change in median value for these so called famous suburbs in Sydney and Melb. Cheers

01/10/2026

1% borrowers who used FHB 95% Lending with No LMI are in Negative Equity NOW!

Following the latest rate increase, the borrowing capacity of an average-income couple has fallen by approximately 9%, potentially undermining the policy’s objective of supporting first-home buyers!

Guess what, 20% drop in first home buyer applications compared with the same time last year!

So can we please stop saying that policy changes are done to HELP FIRST HOME BUYERS!

You have created a situation in which homeowners, investors and prospective buyers are all worse off—so please don’t present this policy in the media as a success!

Rest of story about correction is in this Picture...

25/09/2026

🏠 RECORD PROPERTY VALUES ARE STILL SHOWING UP ACROSS AUSTRALIA

Despite the headlines about a softer housing market, PropTrack data shows that many parts of Australia are still sitting at record property values.

📊 100 LGAs have house prices at record highs
🏢 113 LGAs have unit prices at record highs
🇦🇺 179 LGAs have either house or unit prices at their highest level on record
🔥 In 34 LGAs, both houses AND units are at record highs.

What does this tell us?

The Australian property market isn't one single market.

Some locations are experiencing price declines or slower growth, while others continue to reach new highs. Local supply, demand, affordability, employment, population growth and housing availability can all create very different outcomes from one suburb or LGA to another.

👉 The key takeaway for buyers, homeowners and investors:
Don't make decisions based solely on national headlines. Look at the numbers for the specific property and market you're considering.

23/09/2026

Things are getting tough out there.

If you’re feeling the pressure, you’re not alone.

Markets move up and down. Costs change. Interest rates change. Businesses and families go through challenging cycles — that’s part of life.

What matters is how prepared you are for what comes next.

🔹 Review your risk strategy
🔹 Understand your cash flow
🔹 Build a stronger financial buffer
🔹 Plan for different scenarios
🔹 Know what options are available before you need them

Don’t leave your financial future entirely to circumstances outside your control.

Your future needs Planning. Preparation. Ex*****on.

If you're worried about your cash flow, your debt position or the next stage of your financial journey, let’s have a conversation and explore your options.

21/09/2026

Fasten your belts mortgage holders! not sure how much more you have to do but this one surely coming to hurt your family.....