Into Finance Lending Solutions

10/05/2026

Property tax changes explained.

The Government has announced upcoming changes to property tax settings, focusing on negative gearing and capital gains tax.

✅ Existing investment properties will keep current rules
✅ Changes apply to future purchases only
✅ Negative gearing will be available for new builds, not established properties
✅ The capital gains tax discount will be reduced for future gains

The goal is to support housing affordability and encourage the construction of new homes.

These changes won’t affect everyone but they do highlight how important timing and structure can be when planning a property purchase.

If you’d like help understanding how this fits your situation, feel free to get in touch.

06/05/2026

5 common mistakes to avoid when applying for car finance

Getting car finance could feel straightforward, but small mistakes during the application process could end up costing far more over the life of the loan. If you're planning to finance your next car, avoiding a few common pitfalls could help you secure a better option and avoid unnecessary stress.

Here are five mistakes to watch out for.

Not checking your credit score first – Your credit history plays a big role in loan approval and interest rates. Checking your score beforehand could help you understand what lenders will likely see and whether you may qualify for better terms.
Ignoring fees and charges – Interest rates often get the attention, but establishment fees, account-keeping charges and early repayment penalties could add significantly to the total cost of a loan.

Not comparing lenders – Banks, credit unions, online lenders and dealership finance could all offer different rates and conditions. Talk to a finance broker and let them help compare your options.

Focusing only on the monthly repayment – A competitive monthly payment may simply mean a longer loan term. It’s important to consider the full cost of the loan over time.

Rushing the paperwork – Always read the loan terms carefully. Taking time to understand the agreement could help avoid unexpected conditions or costs later on.

Call me to discuss car finance. Jesse 0406 184 144.

05/05/2026

05/05/2026

Yesterday's rate rise is hitting hip pockets hard. Don't just absorb the pain there may be a better deal out there. Message me today for an obligation free loan review.
Jesse McBride 0406 184 144

29/04/2026

New subsidy could lift childcare investment demand

A new federal childcare subsidy could increase demand for early learning centers and strengthen investor interest in the sector.

From January 5, the federal government introduced the “three-day guarantee”, giving families access to 72 hours of subsidised childcare per fortnight, regardless of their work or study activity.

Research from CBRE suggests the policy could significantly lift demand for childcare places. The firm estimates enrolments could increase by up to 24,000 places per year if take-up of the subsidy is strong. Under normal conditions, annual demand typically grows by about 11,000 places, meaning the policy could more than double the pace of growth.

Australia’s childcare property sector is already substantial. According to CBRE data, the market is worth around $60 billion and includes roughly 9,750 long day-care centers nationwide, with the majority located in NSW, Victoria and Queensland.
Investment yields for childcare assets generally range between 4 and 6 per cent, depending on location and lease structure. Many centers operate under long leases of 15 to 20 years, often with CPI-linked rental increases and partial government-backed revenue.

These factors, combined with rising demand for childcare services, are helping position early learning centers as a specialised but increasingly active sector.

28/04/2026

Ageing population set to reshape commercial property demand

Australia’s ageing population is expected to reshape parts of the commercial property market over the next decade, with demand shifting toward healthcare and service-based assets.

New projections from the Centre for Population’s 2025–26 federal budget population outlook show Australia’s population is expected to grow by around 3.5 million people by 2036. However, the fastest-growing group will likely be those aged 70 and over, which is projected to increase by more than 1.1 million people.

This demographic shift is expected to drive stronger demand for healthcare-related commercial property, including medical centers, specialist consulting suites, diagnostic facilities and rehabilitation services.

Growth in the 40–54 and 55–69 age brackets is also forecast to increase demand for professional services such as financial planning, legal services, insurance and wellness providers.

At the same time, slower relative growth in younger age groups could temper expansion in sectors heavily reliant on younger consumers, including some inner-city hospitality and discretionary retail precincts.

According to analysis of the population data, established suburban areas where older Australians are more likely to age in place may see stronger long-term demand for healthcare services and neighbourhood retail.

22/04/2026

Housing market splits as Perth leads growth

Australia’s housing market is starting to diverge, with Perth surging ahead while Sydney and Melbourne show signs of slowing.
Three months into 2026, home values in Sydney and Melbourne have largely flatlined, with Sydney prices down slightly over the past quarter and Melbourne recording a modest decline, according to CoreLogic. In contrast, mid-sized capitals continue to post solid gains.
Perth is leading the country, with home values rising 2.3 per cent in February alone, adding more than $22,000 to the median dwelling value in just one month. Brisbane, Adelaide and Hobart also recorded monthly growth above 1 per cent, continuing the momentum seen throughout 2025.
A major driver of the divergence is tight supply in the mid-sized capitals. Listings in Perth remain about 48 per cent below their five-year average, while Brisbane and Adelaide are also well below typical stock levels.
Meanwhile, new listings are starting to increase in Sydney and Melbourne, with fresh stock above long-term averages in both cities. This suggests some sellers may be looking to get ahead of softer conditions.
Across the country, demand remains strongest for more affordable homes, where first-home buyers and investors are competing most heavily, while higher-priced properties are seeing less momentum.