Empower Money

02/06/2026

The hidden levers that increase your borrowing power💪

Most people think borrowing power is all about income and savings…but lenders look far deeper than that.

At Empower Money, we see every day how small shifts in your financial setup can unlock a very different outcome.

Here are a few of the hidden levers that can make a big difference:
💠Loan Type: Different products can change how much you can access.
💠Co-Borrower Positioning: Structure can significantly increase capacity.
💠Debt Structure: Not just how much you owe, but how it’s set up.
💠Credit Card Limits: Unused credit can reduce borrowing capacity.
💠Lender Policy Differences: Every lender calculates risk differently.

The reality? Two people on the same income can walk away with completely different borrowing outcomes.

If you're planning your next move, it pays to understand what’s working for you, and what’s working against you.

📩Enquire today to understand what your real borrowing potential could look like.

21/05/2026

Why do so many people get stuck before pre-approval?💭

It’s rarely the application itself. It’s the uncertainty that comes before it.

- Not knowing borrowing capacity.
- Unclear financial position.
- Little understanding of how lenders assess risk.

So many people wait until everything feels “ready”.

But just because it doesn’t feel like everything is ready, doesn’t mean you’re not ready.

Pre-approval isn't just about getting a number, it provides clarity.

By assessing income, expenses, debts and serviceability, it creates a clearer picture of your current position. That clarity turns uncertainty into direction, showing what you can do now, what may need adjusting, and how to move forward based on facts, not assumptions.

Most people aren’t unprepared. They’re just unsure.

Get clear on your position, so you can move forward with confidence, not hesitation. Try our servicing calculator: https://www.empowermoney.com.au/servicing-calculator

06/05/2026

With the RBA cash rate now at 4.35%, many assume the best move is to wait.

But waiting for the “perfect” rate has historically kept more people out of the market than it’s helped.

The real question isn’t just when to buy - it’s how.

At Empower Money, we can help you find a way in, especially when traditional options aren't quite enough.

https://www.rba.gov.au/media-releases/2026/mr-26-12.html

04/05/2026

What happens after you enquire with Empower Money?🤔

It’s simpler than most people think.

📩 Step 1: Enquire
Start the conversation.

🔎 Step 2: Servicing check
Undertake a quick assessment so we can understand your position.

⏱️ Step 3: 24hr outcome
Within a day, you’ll know what options you may qualify for.

✅ Step 4: Pre-approval
Qualified? Submit an application. Turnaround is usually just a few days.

📑 Step 5: Next step planning
Approved? We map out your next steps, whether that's:
- Purchasing a newly completed property, or
- Proceeding with design selections and pre-construction prep for a new build.

🏡 Step 6: Settlement or start building
For newly completed properties, this moves toward settlement. For clients building - including no deposit clients, construction commences.

No drawn-out process. Just a clear, simple pathway forward.

It all starts with one enquiry - reach out today to get started.

29/04/2026

PowerUp Elite, our 105% home loan, is helping buyers of all ages secure their first home faster.

Sydney couple Rabish Kumar and Kiran Tiwari wanted to build their own home but struggled to save enough money for a deposit while land prices rose. PowerUp Elite allowed them to secure the house and land package they wanted in Tahmoor in south-west Sydney right away – without a deposit.

This fast-tracked home ownership for Rabish and Kiran, saving them years of lost money in rent and helping retain their savings. It also enabled them to start growing equity immediately.

“I don’t think we could have done this if it wasn’t for the 105% loan. It would have taken us years to save the deposit, but land costs would have risen during that time and we would have been priced out,” said Kiran.

“Empower Money made the loan process very straightforward. We’ve had a wonderful experience with them,” said Rabish.

04/04/2026

Wishing you a safe and relaxing Easter!🐣
Enjoy the long weekend and everything that comes with it.

02/04/2026

Buying a home isn't just about a deposit and mortgage. There are a number of hidden costs that can catch buyers off guard if they're not prepared.

Here are some of the costs that are commonly overlooked:
➡️ Stamp Duty
➡️ Building & Pest Inspections
➡️ Moving & Connection Costs
➡️ Council Rates & Strata Fees
➡️ Home Insurance
➡️ Legal & Conveyancing Fees

These costs can add up quickly, and being prepared for them can make the difference between a smooth purchase and unnecessary stress.

At Empower Money, we help you understand what to expect and guide you through the process.

26/03/2026

Rent vs Buy in 2026?

The average Australian spends 10 years saving for a deposit.

But what does that actually cost?

- Renting at $600 per week on average = $320,000 gone before the mortgage even starts.
- Sydney property prices (2015 -> 2025) = +$692,000

That's over $1million lost before you even enter the market.

While you're saving, the market isn't standing still - prices rise, and your future home moves further out of reach.

The reality? Waiting can cost more than starting.

And if you're thinking, "That's great...but I don't have a deposit yet" - you're not alone.

That's exactly our flagship Power Up Elite loan exists. With up to 105% lending, eligible buyers could get into the market without a traditional deposit, covering both the purchase price of the property and some.

Skip the wait. Take the first step.

Subject to lender assessment and approval criteria. Terms and conditions apply.

23/03/2026

Did you know we do more than just no deposit loans?

Grow your retirement portfolio with an SMSF loan. An SMSF loan allows you to purchase property through your self-managed super fund, giving you greater control over how your super is invested and the ability to build long-term wealth through property.

Our SMSF loans also offer:
✨Competitive rates
✨Dedicated credit team
✨Quick turnaround
✨Friendly, experienced support

Reach out today to learn more about how an SMSF loan could work for you.
📞1300 002 123 | ✉️ [email protected]

19/03/2026

Cash rates are up to 4.10%!

That usually means borrowing power drops...but it doesn't have to stop you.

With a no deposit home loan, you could step in before prices climb and get ahead while others wait.

At its meeting today, the Board decided to increase the cash rate target by 25 basis points to 4.10 per cent.