Blue Key Finance

30/07/2026

https://bluekeyfinance.com.au/what-are-the-different-property-valuation-types-banks-use/
Having a genuine idea of what your home is worth may sound more like a nice-to-know piece of information than anything else, but in many cases, it can actually be essential.

Whether you’re buying or selling a home, looking to refinance your mortgage or wanting to access equity you’ve accrued, a formal property valuation can be a key part of the process.

So, what do existing homeowners and potential buyers need to know about the different types of valuations that exist and the process involved?

Read on for a run-through of some of the fundamental elements of property valuations.....

Having a genuine idea of what your home is worth may sound more like a nice-to-know piece of information than anything else, but in many cases, it can actually be essential. Whether you’re buying or selling a home, looking to refinance your mortgage or wanting to access equity you’ve accrued, a ...

09/07/2026

https://bluekeyfinance.com.au/bridging-loans-explained/
For many homeowners, timing can be one of the challenges when purchasing their next property. If you’re planning to sell your current home to fund your next purchase, a bridging loan may be worth considering.
We have seen increased interest in bridging finance, as some buyers consider alternative ways to navigate higher living costs and rising interest rates.
Here’s how this type of finance works, along with some key considerations to keep in mind...

03/06/2026

https://bluekeyfinance.com.au/offset-or-redraw-things-to-consider-as-rates-rise/
Offset accounts and redraw facilities are features offered on some home loans. When used appropriately, they may help reduce the interest payable and overall loan costs, depending on individual circumstances...

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04/05/2026

https://bluekeyfinance.com.au/what-incentives-are-available-for-first-home-buyers/
Here are some of the ways you might be able to get into your own home sooner...

What incentives are available for Vic First Home Buyers? For many young Australians, home ownership can feel more like a distant dream than something within reach. Rising living costs, strong property price growth and slow wage increases have put real pressure on those hoping to buy their first home...

07/02/2026

https://bluekeyfinance.com.au/what-should-i-do-when-my-fixed-rate-period-expires/
f you’re currently playing the waiting game wondering what will happen when your fixed rate term ends, we understand what a stressful time it might be.
Fixed rate borrowers have been temporarily shielded from the Reserve Bank’s cash rate increases, but for how long?

If you’re currently playing the waiting game wondering what will happen when your fixed rate term ends, we understand what a stressful time it might be. Fixed rate borrowers have been temporarily shielded from the Reserve Bank’s cash rate increases, but for how long? It’s estimated that almost...

09/01/2026

https://bluekeyfinance.com.au/is-your-home-loan-still-working-for-you/
End of financial year happened over 6 months ago, now is the time to take stock of your finances, including your home loan. Whether you own your home or an investment property, this is the ideal time to assess your financial position, review your loan structure, and make sure your current mortgage is still fit for purpose.

Rates shift, life changes, and alternative loan products emerge. What suited you years ago might no longer. Reviewing your loan every two to three years is crucial for maintaining good financial health. Below is some general guidance to steer you through what to check this end of financial year...

EOFY financial health checklist: Is your home loan still working for you? End of financial year happened a few months ago, now is the time to take stock of your finances, including your home loan. Whether you own your home or an investment property, this is the ideal time to assess your financial po...

08/12/2025

https://bluekeyfinance.com.au/big-changes-to-the-5-deposit-scheme/
Since 1 October 2025, the government’s First Home Guarantee scheme will expand, making it possible for more Australians to buy a home with a deposit as low as 5%...

Since 1 October 2025, the government’s First Home Guarantee scheme will expand, making it possible for more Australians to buy a home with a deposit as low as 5%. Whether you’re preparing to buy your first property or simply watching how the market shifts, these updates could play a big role in ...

05/11/2025

https://bluekeyfinance.com.au/what-happens-when-your-builder-goes-bust/
Porter Davis, BA Murphy Constructions, LDC, Pivotal Homes… there’s no doubt that the past few years have been rough for residential building, with a laundry list of companies entering administration.
Those companies are just the tip of the iceberg, though.
According to ASIC, there were 2977 insolvency appointments in the construction industry in the 2024 financial year – almost double the 10-year average...

Porter Davis, BA Murphy Constructions, LDC, Pivotal Homes… there’s no doubt that the past few years have been rough for residential building, with a laundry list of companies entering administration. Those companies are just the tip of the iceberg, though. According to ASIC, there were 2977 inso...

06/10/2025

https://bluekeyfinance.com.au/how-do-construction-loans-work/
If you’re planning to build your own home, a construction loan could help finance your project. Unlike standard home loans, construction loans provide funds progressively in stages as your new home is built. Here are a few of the key points you should consider...

If you’re planning to build your own home, a construction loan could help finance your project. Unlike standard home loans, construction loans provide funds progressively in stages as your new home is built. Here are a few of the key points you should consider. A quick guide to construction loans ...

11/09/2025

https://bluekeyfinance.com.au/how-a-redraw-facility-can-help-you/
Managing your home loan well can give you more flexibility and help you pay off your mortgage sooner. A redraw facility could be one way to reduce interest costs while still having access to extra funds when you need them. Here’s what you need to know...

Managing your home loan well can give you more flexibility and help you pay off your mortgage sooner. A redraw facility could be one way to reduce interest costs while still having access to extra funds when you need them. Here’s what you need to know. What is a redraw facility? A redraw facility ...