KM Financial Service

29/05/2026

☕ 5% Deposit Scheme helps 300,000+ first home buyers ☕⁣
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There are no waitlists. ⁣
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No income limits. ⁣
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No place limits. ⁣
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And you’re free to buy an established home or build a new place. ⁣
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DM us to find out if you're eligible for the 5% Deposit Scheme and bring forward your home-buying plans. 👇⁣
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To find out more, DM us or contact KM Finance on:

☎️ – 0402 879 531
💻 – [email protected]

28/05/2026

The 2026 Budget has introduced key property changes that could affect borrowers, buyers, and investors across Australia.

From tax updates to loan structure and cash flow planning, the way people approach their next property decision may now look different.

Whether you are buying your first home, refinancing, investing, or reviewing your current loan, this is the right time to understand how the changes may affect your position.

At KM Financials, we help borrowers review their options clearly and make finance decisions with confidence.

📞 Book your free consultation today.
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Call Us: 0402879531
Book a free schedule meeting: https://tinyurl.com/kmfinance



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28/05/2026

A home loan decline can feel discouraging, but it doesn’t always mean you can’t get approved.

Sometimes, the issue is your credit file.
Sometimes, it’s your borrowing capacity, deposit, or DTI ratio.

And sometimes, your profile simply doesn’t match that lender’s policy.
Before applying again, check:
• Your credit report
• Unused credit card limits
• Existing debts
• Deposit and LVR position
• Whether the lender suits your situation

KM Financial help borrowers understand why their loan was declined and what steps may improve their chances before the next application.

Read the full blog on the website to learn the key factors to consider when choosing a home loan.

Read More: https://tinyurl.com/mupcpn9a
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Call Us: 0402879531
Book a free schedule meeting: https://tinyurl.com/kmfinance



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27/05/2026

A few tweaks to a popular first home buyer scheme has driven a “surge” in Gen Zs buying their first home. And it’s not the only upside giving first home buyers a boost now. 🚀

A few tweaks to a popular first home buyer scheme has driven a “surge” in Gen Zs buying their first home. And it’s not the only upside giving first home buyers a boost now.

27/05/2026

Thinking of fixing your home loan?
A fixed rate can give you certainty, but it’s important to check what flexibility you may be giving up.
Offset access, extra repayments, refinancing, selling, or upgrading - all of these can affect your decision.
Before you lock anything in, compare your options properly with KM Financial.
Making home loans simpler, not harder.



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27/05/2026

📈 Property investor activity is the highest it's been in years 📈⁣
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Across Australia, more new home loans are going to investors. 🏡⁣
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That’s the word from PropTrack. 📊⁣
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It says rising investor activity is being driven by low vacancies, a tight rental market and rapid rent increases. 🔥⁣
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Strong growth in home prices saw more than 93% of recent investor sales turn a profit. 💰⁣
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That’s the highest level in a decade. ⁣
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Property investors may also be able to make interest-only payments. 💡⁣
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That can be a real plus for cash flow. ⁣
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Talk to us about potentially using your home equity in lieu of a cash deposit to buy a rental property. 👇⁣
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To find out more, DM us or contact KM Finance on:

☎️ – 0402 879 531
💻 – [email protected]

26/05/2026

Your income may be the same.
Your savings may be growing.
But your borrowing power could still be lower than expected.

In 2026, lenders are looking at more than just your salary. The APRA serviceability buffer, debt-to-income rules, credit card limits, living cost benchmarks, and existing debts can all affect how much you may be able to borrow.

The important part? A lower borrowing estimate from one lender does not always mean that is your final number.

KM Financial Service can help you understand what is affecting your borrowing capacity and which lender may suit your situation better.

Read the full blog on the website to understand what has changed and what you can do before applying.

Read More: https://tinyurl.com/yxzs6xmb
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Call Us: 0402879531
Book a free schedule meeting: https://tinyurl.com/kmfinance



Best Mortgage Broker Australia | Refinance Home Loan Australia | Property finance Australia | home loan pre-approval delays Australia | best investment home loan rates Australia | home loan for self employed | investment property loan |Home loan experts Australia

25/05/2026

🏡 The big advantage of owning rather than renting 🏡⁣
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They say rent money is dead money (unless you're the one collecting it!) 😅⁣
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And while not everyone is in a position to own their own home just yet, a recent Cotality report shows there are still locations where it can be cheaper to buy an apartment than rent. 📊⁣
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In inner Melbourne, and some suburbs in Darwin and the ACT, it can be cheaper to buy, rather than rent, a unit. 🏢⁣
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There can also be minimal differences between rent and loan repayments in parts of Sydney, Adelaide and Perth. ⁣
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But home ownership isn’t just about rent versus mortgage payments. ⁣
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Home owners can also potentially benefit from property price growth, the freedom to add value through renovations, and the personal rewards of saying “I own this”. 🏠⁣
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Talk to us about jumping off the rental merry-go-round and becoming a home owner. 👇⁣
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To find out more, DM us or contact KM Finance on:

☎️ – 0402 879 531
💻 – [email protected]

24/05/2026

The home-buying journey can feel overwhelming when you’re starting from scratch, but you don't have to navigate it alone.

Seeing testimonials like this from Asad Khawaja is a great reminder of why we do what we do. It’s not just about the numbers, it’s about the long-term partnership and making sure you feel guided through every document, agent conversation, and timeline.

At KM Financial, your loan settlement is just the beginning
We’re your partners for the long haul.

From your first keys to your final investment property.
With you all the way.
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Call Us: 0402879531
Book a free schedule meeting: https://tinyurl.com/kmfinance



Best Mortgage Broker Australia | Refinance Home Loan Australia | Property finance Australia | home loan pre-approval delays Australia | best investment home loan rates Australia | home loan for self employed | investment property loan |Home loan experts Australia

23/05/2026

SMSF lending is not just about the property price.

Sometimes, one small change in your contribution strategy can improve your borrowing position and open better loan options.

At KM Financials, we help SMSF investors review the numbers properly before they commit.
Speak with KM Financials before your next SMSF property move.
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Call Us: 0402879531
Book a free schedule meeting: https://tinyurl.com/kmfinance



Best Mortgage Broker Australia | Refinance Home Loan Australia | Property finance Australia | home loan pre-approval delays Australia | best investment home loan rates Australia | home loan for self employed | investment property loan |Home loan experts Australia

22/05/2026

📱 Gen Zs urged to skip influencer advice 📱⁣
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Here’s a worrying stat: two-thirds of Gen Zs (18–28) are turning to social media for financial information and help.* ⁣
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Trouble is, influencer ‘help’ isn’t always high quality, trustworthy or based on personal needs. ⁣
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DM us today for tailored support and guidance when exploring your finance options for buying a home or car. 👇⁣
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To find out more, DM us or contact KM Finance on:

☎️ – 0402 879 531
💻 – [email protected]
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* ASIC research