Commercial In Confidence Finance and Consulting

13/05/2026

📣 Budget Update: What It Means for WA Borrowers & Investors
Big changes just dropped in both the WA State Budget and Federal Budget – and they’re going to reshape the property market.
Here’s the quick breakdown 👇
🏡 First Home Buyers = BIG winners (WA)
✅ No stamp duty up to $600k (up from $500k)
✅ More buyers entering the market
👉 Expect strong competition in the lower price brackets
📈 WA is going all-in on supply
💰 $4.7B to build more homes and unlock land
👉 Good long-term… but short-term prices still supported
⚠️ Investors hit at Federal level, Bucket companies punished
❌ Negative gearing restricted to new builds
❌ CGT discounts reduced
👉 Big shift: new builds now heavily favoured over established properties
💸 Borrowers get small relief
✅ Tax offsets + deductions
❗ But interest rates still expected to stay higher for longer

💡 What this means:

First home buyers → more opportunities ✅
Investors → strategy reset needed 🔄
Market → shifting to new builds + supply growth

👋 If you’re wondering how this impacts your borrowing power, investment strategy, or next move…
Flick me a message or give me a call and I’ll run through your options.

02/04/2026

When was the last time you reviewed your loans?

With interest rates on the rise, equity in property increasing and lending conditions constantly changing, now is the perfect time for homeowners and business owners to take a fresh look at their finances.

Whether it’s your home loan or business finance, a quick review could mean:
✅ Lower repayments
✅ Better interest rates
✅ Improved cash flow
✅ More flexibility for your future plans

Don’t assume your current loan is still the best option—lenders are competing harder than ever right now.

📍 This is your reminder to check in and make sure your money is working for you—not the other way around.

👉 Reach out today for a no-obligation review and see what you could be saving.

Send a message to learn more

13/03/2026

14/10/2025

Had a great day out as a sponsor of the Midwest Reiwa ladies day. Great to see the Midwest moving in the right direction. Onwards and upwards!

01/09/2025

🏡 Big News for First Home Buyers! 🏡
Starting 1 October 2025, the Australian Government is expanding the Home Guarantee Scheme to make home ownership more accessible than ever.

✅ Unlimited places – no cap on the number of guarantees
✅ No income limits – higher earners now eligible
✅ Higher property price caps – reflecting today’s market
✅ Easier access in regional areas – one unified scheme nationwide
✅ Deposit as low as 5% – and no Lenders Mortgage Insurance!

Whether you're buying in Perth, Geelong, the Gold Coast or anywhere in between, the new price caps mean more homes are within reach. For example, WA’s capital city cap jumps from $600K to $850K!

💡 How to apply:
1. Check your eligibility (new tool coming 1 Oct)
2. Review the updated price caps for your area
3. Give me a call or flick me an email
4. Get pre-approved and start house hunting!

This is a game-changer for first home buyers across Australia. If you or someone you know is looking to enter the market, now’s the time to start planning.

Send a message to learn more

06/08/2025

Worse places to be working today

15/01/2025

Hi all, Happy New Year! 😊

I hope 2024 ended on a wonderful note for you, and that 2025 brings lots of good fortune! I enjoyed some lovely family time with my girls and indulged in a little too much food and wine.

We've been blessed with increased property prices, offering you the potential to leverage your equity into more property, a business, or even some home improvements or debt consolidation. Unfortunately, the cost of living hasn't improved, but fingers crossed that the RBA considers reducing the cash rate soon. On that note, if you haven't recently reviewed your loans, it might be a perfect time to do so.

Feel free to drop me a line or give me a call if there's something on your mind this year. I'm always here to help and chat!

All the best in 2025!
Cheers
Paul!

10/12/2024

No change yet again.

At its meeting today, the Board decided to leave the cash rate target unchanged at 4.35 per cent and the interest rate paid on Exchange Settlement balances unchanged at 4.25 per cent. Read more: https://ow.ly/7gOW50Uo1mg

09/12/2024

Another happy customer! Thankyou Katina!🙏

27/11/2024

Did you know you can convert your industry superfund into a self managed superfund to assist you with your business, or simply have more direct control over your investments and leverage off it?