Ready Finance

12/03/2026

💛 Does having a home loan = feel-good vibes? 💛⁣
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For most of us, taking on a mortgage is essential to buy a home. 🏡⁣
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But how does that big transition (generally) affect one's mental wellbeing?⁣
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Interestingly, there's a bit of a difference between the financial anxiety levels of debt free households vs mortgage holder households, according to Agile Market Intelligence.⁣
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When asked to describe their current financial situation, 31% of debt-free households were feeling financially anxious - up 2% from this time last year.⁣
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Meanwhile, just 25% of mortgage holder households were feeling financially anxious - down 1% from a year earlier.⁣
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If you'd like to explore whether home ownership is within reach for you - and how mortgage repayments would sit within your monthly household budget - then get in touch today. 👇 ⁣
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To find out more, DM us or contact Ben Moore:

☎️ – 0466 430 430
💻 – [email protected]

11/03/2026

Who wouldn’t want to save on home loan interest and pay off their mortgage faster? Homeowners are increasingly turning to offset accounts to do just that. So today we’ll look into whether an offset account could benefit you. 🏡

10/03/2026

🏡 Home loan demand has just hit a 3-year high 🏡⁣
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Equifax reports demand for home loans rose 18% in December compared to the same time the previous year. 📈⁣
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It’s the biggest one month surge since 2022. ⁣
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What was behind the increased appetite for home loans? 🤔⁣
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Two key factors: three rate cuts in 2025, and the expanded 5% Deposit Scheme. ⁣
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The government's 5% Deposit Scheme lets first home buyers get started with a small deposit and zero lenders mortgage insurance. ⁣
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It could be the helping hand you’ve been waiting for. Get in touch to find out if you’re eligible. 👇⁣
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To find out more, DM us or contact Ben Moore:

☎️ – 0466 430 430
💻 – [email protected]

05/03/2026

🌳 Have house prices got you dreaming of a treechange? 🌳

The median home price across regional areas is $743,672 - that’s $258,848 less than the $1,002,530 median across state capitals.

A more affordable home could mean a smaller mortgage, and potentially lower home loan repayments. 🏡

DM us to explore your tree or sea change home loan options. 👇

To find out more, DM us or contact Ben Moore:

☎️ – 0466 430 430
💻 – [email protected]

* Cotality research

05/03/2026

As home prices climb higher, first home buyers can feel like the goal posts are continually shifting further out of reach. But there is a way to potentially cut years off the time taken to buy a home. 🏡

05/03/2026

🏠 First-home buyers use ‘COMO’ to achieve their goal 🏠⁣
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Ready to buy. Ready to bend. 🤸‍♂️⁣
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Many first home owners are embracing COMO - compromise or miss out - to break into the market. ⁣
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PropTrack says 83% of buyers are willing to compromise on their first home. ⁣
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The number of bedrooms, solar power and walk-in robes are the features most likely to be scratched from wish-lists. ✏️⁣
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One area you shouldn’t compromise on is your choice of home loan. ⁣
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The right loan offers a competitive rate backed by features you’ll actually use. 💡⁣
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Talk to us to find the loan that matches your needs. 👇⁣
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To find out more, DM us or contact Ben Moore:

☎️ – 0466 430 430
💻 – [email protected]

03/03/2026

🏘️ The big reveal: Australia’s most prolific property investors 🏘️⁣
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Close to 2.3 million Australians earned rental income from property in 2022-23, according to the ATO.⁣
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And they’re not all from uber-rich occupations. ⁣
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In fact, teachers and nurses are among Australia’s top five most prolific property investors. 👩‍🏫👨‍⚕️⁣
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That’s because there are multiple pathways to invest, even if you don’t have a big deposit, including:⁣
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1. Consider harnessing home equity. 🏠⁣
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2. Think about turning a first home into a rental. 🔁⁣
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3. Weigh up rentvesting: live where you want, invest where you can afford. 📍⁣
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4. Or consider co-investing with mates or family to boost buying power and share costs. 🤝⁣
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Be sure to speak with a tax professional before investing. ⁣
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And talk to us about the finance options that could match your situation and buying strategy. 👇⁣
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To find out more, DM us or contact Ben Moore:

☎️ – 0466 430 430
💻 – [email protected]

26/02/2026

🏖️ Dreaming of buying that holiday home? 🏖️⁣
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From mid-2026, stricter rules may apply when claiming tax deductions on holiday homes, so it'll be important to*:⁣
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✅ Ensure the property is actually available for rent.⁣
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✅ Advertise the place widely and set a fair market rent.⁣
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✅ Avoid terms like ‘no children’ that could limit demand. ⁣
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Still keen? DM us to explore your finance options. 👇⁣
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To find out more, DM us or contact Ben Moore:

☎️ – 0466 430 430
💻 – [email protected]
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* Chartered Accountants ANZ tips.

26/02/2026

Sure, saving a deposit is important, but your income can hold the real key to getting into the market. That’s because it shapes your borrowing power. 💪

Sure, saving a deposit is important, but your income can hold the real key to getting into the market. That’s because it shapes your borrowing power. It stands to reason that lenders will look closely at your personal income when you apply for a home loan. It’s not just about you being able to c...

26/02/2026

🌊 A solid swell has been building in refinancing numbers 🌊⁣
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Home owners are wasting no time to see if they could save on interest with a different home loan. 🏡⁣
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There's been a 25% bump in home owners refinancing their mortgage over the past year, according to ABS statistics. ⁣
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If you’ve been on the same home loan for the past several years get in touch today for a home loan health check. 🩺⁣
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We'll help you work out how much you could potentially save by switching. 👇⁣
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To find out more, DM us or contact Ben Moore:

☎️ – 0466 430 430
💻 – [email protected]

24/02/2026

🏖️ Thinking of buying a holiday home? Read this first 🏖️⁣
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Summer often sees us hanker for a holiday home. ☀️⁣
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But the ATO is changing the rules. ⚠️⁣
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From mid-2026, stricter rules may apply when it comes to claiming the costs of a holiday home on tax. 📑⁣
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Chartered Accountants ANZ has highlighted a few general considerations for owners who intend to rent out a holiday property:⁣
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📅 Make sure the property is genuinely available for rent, especially in peak seasons. ⁣
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📣 Advertise the place widely. ⁣
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💰 Set a fair market rent.⁣
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🚫 Avoid unnecessary restrictions that could limit demand⁣
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Even with the potential changes, many people still enjoy the lifestyle benefits of a holiday home, though outcomes will vary depending on individual circumstances.⁣
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Still keen? Get in touch and we'll help you find the right finance for your holiday home. 👇⁣
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To find out more, DM us or contact Ben Moore:

☎️ – 0466 430 430
💻 – [email protected]

19/02/2026

🏡 Homeowners up $82,000 in equity over the past year 🏡⁣
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Here’s what you could do with your home’s increase in equity:⁣
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🔨 Renovate: boost your home’s value and live in more comfort. ⁣
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🏘️ Investment property: equity can often be used as a deposit. ⁣
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🔄 Refinance: your improved LVR could land you a better rate.⁣
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DM us if you want to make your home equity work harder. 👇⁣
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To find out more, DM us or contact Ben Moore:

☎️ – 0466 430 430
💻 – [email protected]
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* PropTrack Home Price Index national mean