Loan Market Michael Vasilaras

27/05/2026

Thinking about building or renovating but worried about the headlines? 🛠️📉

It’s true—construction costs are rising again in Australia. Driven by global supply chain pressures, fuel hikes, and rising material costs (like steel and concrete), the landscape is shifting.

But that doesn’t mean your property dreams have to hit the brakes! It just means your strategy needs to adapt. Here is what you need to look out for right now:

⏱️ Shorter quote validity periods 

💰 Bigger contingency buffers 

📑 Smart finance structures 

The secret to moving forward with confidence? Proactive planning ✅️

By securing your finance early, structuring lending carefully, and building in buffers, you can protect your project from market volatility.

💬 Are you planning a build or reno soon? Get in touch to workshop your borrowing capacity today!

20/05/2026

13/05/2026

The federal budget is here. Here's what it means for your hip pocket. 👇

🏠 Investors
Negative gearing on existing properties ends July 2027 (new builds exempt). CGT moves to an inflation adjusted model with a 30% tax floor. Already own? You're not affected.

🔑 Homebuyers
A more level playing field at auction, $2B in new infrastructure to unlock 65,000 homes, and the foreign buyer ban extended to 2029.

👨‍👩‍👧 Households
Claim up to $1,000 in work expenses without receipts from FY26/27. A new tax offset puts ~$250 back in workers' pockets from FY27/28. NDIS participants may shift to state run programs.

💼 Small Business
The $20k instant asset write off is now permanent. Loss carry back lets eligible businesses offset recent losses against past profits.

🚗 Drivers
EVs under $75k keep their FBT exemption. The fuel excise discount ends in July — expect petrol prices to rise.

Not sure how this affects you? Get in touch and let's talk through your loan or strategy. Link in bio 👆

05/05/2026

The RBA has raised the cash rate to 4.35%, the highest in 2 years and the third rise this year.
The average mortgage holder is now paying around $335 more per month than at the start of the year.

👉 Swipe for what that means for you, and a few things you can do about it.

22/04/2026

An offset account can be one of the most powerful tools in your mortgage toolkit. By keeping your spare cash in an account linked to your loan, the bank only charges you interest on the difference.

Use our Offset Calculator to see:
✅ How many years you could shave off your loan.
✅ Exactly how much interest you can save over time.

Stop letting your money sit idle. Let's run the numbers. 📈

08/04/2026

National rental growth is no longer moving at the breakneck pace we've seen recently, but the market is changing shape rather than weakening. While headline growth has flattened, the story varies wildly depending on where you look:

🏖️ The Gold Coast is now the most expensive market ($950/wk), outstripping Sydney ($810/wk).

⛪ Units in Adelaide lead the charge with a massive 10% annual gain.

🚆 Melbourne house rents have actually dipped -0.9% over the past year.

For investors, the message is clear, the surge phase has eased, but local opportunities remain highly uneven. Understanding these shifts in affordability is key to your next property move.

02/04/2026

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25/03/2026

With the recent interest rate shifts, your borrowing capacity has likely moved also. If you’re hunting for a home in 2026, knowing exactly how much you can spend is now more critical than ever.

Let’s take a fresh look at your situation and give you clarity on your budget. Book an appointment today for a personalised review.  Link in bio ☝️

17/03/2026

📣 The RBA has kept the cash rate on hold. Following last month’s increase, interest rates are higher, but there are ways you may be able to get a lower interest rate, including:
Improved credit score.
Your LVR has decreased .
Your circumstance/income has improved.
You have paid down other debts.
You find a lower interest rate with another lender.

We can compare over 60 lenders to see if you could be on a better deal.