New Horizon Financial Australia

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New Horizon Financial Australia

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from New Horizon Financial Australia, Loan service, 47 Wishart Crescent, Caloundra.

At New Horizon Financial, our mission is to empower small and medium-sized businesses, the heartbeat of our communities, by providing tailored financial solutions that fuel growth, innovation, and success.

04/06/2026

Australia's Property Market Has Changed

Australia's property market looks very different to what it did just a few years ago.

📈 Brisbane's median home value now sits at $1.13M, making it the second most expensive capital city in Australia behind Sydney.

📈 Perth has surged past the million dollar mark.

📈 Adelaide is now approaching a median home value of $1M.

📉 Meanwhile, Melbourne's median home value is now significantly lower than Brisbane's, despite historically being one of Australia's most expensive cities.

A few interesting observations:

• Brisbane now requires an estimated household income of $186,000 to comfortably service an 80% loan.
• Sydney requires around $200,000, only marginally higher.
• Melbourne requires approximately $152,000, despite being Australia's second largest city.
• The typical Australian home has increased in value by around $230,000 since 2020.

While these numbers can seem daunting, they also tell another story.

Millions of Australians continue to buy homes, upgrade properties, invest, and build wealth through real estate every year. The key is understanding your options and having the right strategy.

At New Horizon Financial, we help clients navigate lender policies, maximise borrowing capacity, structure loans correctly, and create a clear pathway toward their property goals.

Whether you're buying your first home, upgrading, investing, refinancing, or simply exploring what's possible, we're here to help on 📞 1300 133 597or visit🌐 www.newhorizonfinancial.com.au

*Figures shown are estimates only and assume a dual-income household, 2 dependants, no other liabilities, average living expenses, 80% LVR, 6.09% interest rate and a 30 year loan term. Actual borrowing capacity varies by lender and individual circumstances.

26/05/2026

Thinking about trying to secure land in Aura’s upcoming release this weekend? 🏡

With limited lots available and minimum deposits increasing to $20,000 from 1 June 2026, being prepared before release day has never been more important.

One of the biggest mistakes buyers make is waiting until AFTER securing land to organise their finance and construction planning.

At New Horizon Financial, we specialise in helping clients navigate the entire process including:
✔ Fast pre-approvals
✔ First home buyer schemes and incentives
✔ Construction and house and land lending
✔ Investment lending strategies
✔ Maximising borrowing power through a large panel of lenders

Whether you’re buying your first home, building, or investing, our team helps simplify the process and guide you every step of the way.

If you’d like to discuss your options before Saturday’s release, reach out today for a complimentary 20-minute consultation on 📱 1300 133 597.

25/05/2026

Running a business means there’s never enough hours in the day.

Between managing staff, servicing clients, chasing growth and planning what’s next, finding the right finance solution can quickly become another full-time job.

At New Horizon Financial, we help self-employed Australians and business owners access competitive finance solutions with less stress, efficient service and support you can rely on when timing matters most.

Whether it’s business funding, equipment finance, commercial lending, property investment or restructuring existing finance, your local NHF Credit Advisor is here to help.

📱 Call 1300 133 597

13/05/2026

Heard about the proposed changes to Capital Gains Tax and negative gearing on investment properties? 📈

While much of the media is focused on uncertainty, many investors are now asking a different question:

Could new builds and house and land packages become even more attractive moving forward? 🏡

With major growth continuing across the Sunshine Coast, this may create opportunities for investors willing to think strategically and explore emerging estates and new developments.

At New Horizon Financial, we help clients explore lending options, structure finance strategically, and navigate changing market conditions with confidence.

If you’re considering your next move or would like to better understand your options, contact your local NHF Credit Advisor on 📱 1300 133 597 for a confidential discussion.

*As these proposed changes are not yet legislated always seek independent tax advice before making investment decisions.

11/05/2026

Buying your first home can feel exciting… and potentially overwhelming at the same time.

The good news is there are a number of government initiatives and lender options available that may help eligible buyers enter the market sooner than they think.

Depending on your circumstances, this may include:
✔ 5% First Home Guarantee options
✔ Family Guarantee lending options
✔ New home build incentives and grants up to $30K
✔ Buying an established home or purchasing land and building

With the right advice and support, the process becomes far less daunting and a lot more achievable.

At New Horizon Financial, we help guide clients through the process step-by-step, helping you understand your options, structure the right loan, and move closer toward owning your own home.

Want to know more? Download our First Home Buyers Guide today: https://newhorizonfinancial.smartonline.com.au/guides/first-home-buyers-guide/

08/05/2026

Why using a Broker is the Smart Way to Go...

When it comes to finance, having access to real choice matters.

At New Horizon Financial, we work with a broad range of lenders, not just one bank, helping you compare options and structure a solution that suits your goals.
✔ Access to multiple lenders
✔ Potentially better outcomes and pricing
✔ Support at a time and place that suits you
✔ We handle the legwork and communication
✔ A smoother, faster process from start to finish

Whether you’re purchasing your first home, refinancing, investing, or growing your portfolio, having the right guidance can save time, stress, and costly mistakes.

Want to know more? Download our helpful guide: https://newhorizonfinancial.smartonline.com.au/guides/why-use-a-broker-guide/

13/04/2026

It’s easy to feel on the back foot when the cost of living rises and interest rates stay higher for longer. But here’s what many people overlook…

Even in a higher rate environment, small adjustments can have a massive long-term impact.

For example, on a standard home loan, contributing just an extra $100 per month could reduce your interest bill by $50,000+ over the life of the loan.

And importantly, this doesn’t mean locking your money away. Those extra funds can still be accessible via an offset account or redraw facility if needed.

Right now, the a sound strategy is using this period to tighten your structure, build better habits, and get ahead of the cycle, rather than just waiting for rates to fall.

Because when rates eventually ease, the people who benefit most are the ones who used this time wisely.

If you’d like to see what small changes could mean for your situation, you can run the numbers here with our free calculator: https://newhorizonfinancial.smartonline.com.au/calculators/extra-repayment-calculator/

04/02/2026

As widely expected, the RBA lifted the cash rate by 0.25%.

The cash rate now sits at 3.85%.

Inflation is still running hotter than the RBA would like, with headline inflation at 3.8% and underlying inflation at 3.3%, so they’re continuing to lean on higher rates to slow things down and keep prices under control.

None of this is dramatic or unexpected, but it is a reminder that we’re still in a “higher for longer” rate environment.

What’s interesting is that lenders have already been adjusting behind the scenes.

Over the past few months, most banks have quietly been lifting their fixed rates, some more than once. Funding costs have risen and sharper pricing has been disappearing pretty quickly.

At the moment, we still have access to 2 year fixed rates at 4.99%, but based on how fast lenders have been repricing, I don’t expect those offers to last much longer.

If you’ve been considering fixing, refinancing, buying, or just want to sense check your current loan, now’s a good time to review your options before rates move again. Call 1 300 133 597 today.

30/09/2025

🚨 Big news for First Home Buyers in QLD! 🚨

The RBA has kept the cash rate steady at 3.60%, but the real story is what’s coming in October…

✅ Higher income thresholds for the 5% First Home Guarantee and 2% Family Home Guarantee
✅ No stamp duty for eligible first home buyers
✅ First Home Owner Grant still available on brand new properties

This is a game-changer — especially here in QLD. For many, October will be the first time you can realistically get into the market with a small deposit, no stamp duty, and extra support on new builds.

If you’ve been sitting on the sidelines waiting for the right moment, this could be it. 🏡✨

I'm already helping clients position themselves to take advantage of these changes.

If you’d like to know how it could work for you, now’s the time to reach out. Call your local NHF Broker today on 1 300 133 597.

08/07/2025

The Reserve Bank of Australia (RBA) has announced a hold on the cash rate of 3.85% at today's meeting.

While some market watchers, including those at the big four banks, expected a cut, the RBA's decision reflects a balance of key economic factors - both supportive and cautionary.

On the one hand, inflation has continued to ease, with trimmed mean inflation for the March 2025 quarter sitting at 2.7% and within the RBA's 2-3% target range. However, this is being weighed against signs of resilience in the broader economy:

Unemployment remains steady at 4.1%, indicating that labour demand is still strong.

Wages growth has ticked up, reaching 3.4% suggesting ongoing pressure on inflation from the demand side.

An already strong housing market could be influenced by further rate cuts, driving house prices even higher.

The RBA has made it clear that it will continue to monitor inflation, employment and global conditions closely before making any further moves.

Today's decision underscores the importance of staying informed about economic developments and their potential impact on your finances.

Whether you're considering buying a new home, refinancing your mortgage to secure better terms or exploring property investment opportunities, now could be a good time to review your financial strategy.

If you'd like to have a chat about what today's news means for you and your finances, please don't hesitate to get in touch on 1 300 133 597.

Address

47 Wishart Crescent
Caloundra, QLD
4551

Telephone

+611300133597

Website

http://www.nhfaus.com.au/

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