Etairos Finance Solutions

08/06/2026

ANZ and Macquarie Bank cut their fixed rates last week. These rates still sit above some variable rates currently available in the market. But these changes raise an interesting question: What do the banks think is likely to happen next?

Last week both ANZ and Macquarie Bank reduced a number of their fixed home loan rates. Macquarie made the more significant move, cutting rates across its fixed-rate offerings by between 0.25% and 0.50%, with its three-year fixed rate falling to 6.09%. ANZ also trimmed selected fixed rates, reducing....

04/06/2026

We love to delay things because we assume our 'future self' will somehow be better equipped, smarter, less busy, more disciplined. But Future You has a funny habit of arriving with the same busy calendar, the same responsibilities, and many of the same excuses as Present You.

Delay never feels like inaction. It feels like flexibility. But the future isn't a waiting room; it’s an active environment. While we’re waiting, life keeps moving. Markets move. Circumstances shift. The window of opportunity changes. Waiting ten years to start investing doesn’t keep the same ...

02/06/2026

If the proposed changes to Negative Gearing and Capial Gains Tax don't sit well with you, but you still like the idea of growing your wealth, maybe you should look at the spaces unaffected by the budget. If you’ve been considering a Self-Managed Super Fund (SMSF), now might be the time to take that conversation further.

If, for whatever reason, the proposed changed to Negative Gearing and Capial Gains tax dont sit well with you, but you still like the idea of growing your wealth, maybe you should look at the spaces unaffected by the budget. If you’ve been considering a Self-Managed Super Fund (SMSF), now might be...

01/06/2026

When headlines like “property values flatline” start doing the rounds, it’s easy to assume the market has stalled—or worse, that things are turning sharply downward. But like most headlines, this one only tells part of the story.

When headlines like “property values flatline” start doing the rou nds, it’s easy to assume the market has stalled—or worse, that things are turning sharply downward. But like most headlines, this one only tells part of the story.The latest Cotality data shows that Australia’s national Hom...

01/06/2026

In all the yelling and the screaming, and the cutesie instagram posts, there's an aspect of the new negative gearing changes has been largely overlooked.

When a government starts talking about “tax reform”, people either switch off or become openly hostile. But this might be one of those moments where it actually pays to lean in for a minute, save judgement for a moment and take a closer look. The recent proposed changes to negative gearing are a...

30/05/2026

After a punishing stretch of recent rate hikes, there are growing signs that homeowners may finally be approaching some much-needed relief.

After a punishing stretch of recent rate hikes, there are growing signs that Australian homeowners may finally be approaching some much-needed relief.The latest inflation data has delivered a welcome surprise. Headline inflation fell to 4.2% in April, down from 4.6% in March — its lowest level in ...

28/05/2026

We book the cheaper flight with the twelve-hour layover, then spend the first day of our holiday in a new destination sound asleep and somehow still convinced we made a responsible financial decision.

We book the cheaper flight with the twelve-hour layover, then spend the first day of our holiday in a new destination sound asleep and somehow still convinced we made a responsible financial decision.

05/05/2026

The Reserve Bank of Australia has increased the cash rate, which will likely through to your home loan repayments. It’s a good time to check in on your current rate and overall loan structure to make sure it’s still working for you. If you have any questions or want to understand what this means for your situation, feel free to reach out anytime.

19/03/2026

Have you ever asked yourself, 'If my business is paying rent anyway… why don’t I own the building?' With an SMSF you can.

For many business owners, rent is simply accepted as part of the cost of operating. Every month a payment goes out the door to a landlord, and the focus stays firmly on running the business itself.But at some point a common question arises:“If my business is paying rent anyway… why don’t I own...

17/03/2026

The Reserve Bank increased the cash rate today. This will lead to higher interst rates on mortgages. If you have any concerns about what this will mean for your home or investment loans, don't hesiate to get in touch.