KM Financial Service

20/10/2026

Fix or stay variable?Almost every borrower asks it in 2026.

The freeing part: it was never about predicting the RBA. Its about which trade-off suits you. Right now, with the cash rate at 4.35%, variable is the cheaper starting point, while fixed sits about 0.2–0.4% higher.

Fixing means paying a small premium for certainty.Three questions decide it:
→ Would a rate rise stretch your budget? Yes, leans fixed.
→ Might you sell or refinance soon? Fixed break costs can sting.
→ Do you rely on an offset? Thats the variables strength.Answers split? So is your ideal loan.

A split loan fixes part and keeps part variable, one of 2026s most popular structures.

KM Financial Services can compare fixed, variable and split options across a panel of lenders and find the structure that fits you.

KM Financial Services
Making home loans simpler.
Not harder.

Call Us: 040 287 9531
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

19/10/2026

There's nothing more rewarding than getting a great outcome for our clients, and then receiving amazing feedback like this! 😊 Thanks for the review Asha !

19/10/2026

🏗️ Which properties are still eligible for negative gearing? 🏗️⁣
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Under new tax reforms, investors can still negatively gear a property, and claim a 50% CGT discount. 💰⁣
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But only if you buy a newly built place that adds to housing supply. 🏡⁣
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That includes off-the-plan apartments, residential construction on previously vacant land, or a duplex built through a knock-down rebuild replacing a single freestanding house. 🏗️⁣
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Talk to us to find out more. 👇⁣
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To find out more, DM us or contact KM Finance on:

☎️ – 0402 879 531
💻 – [email protected]

18/10/2026

Still waiting until youve saved a full 20% deposit? In 2026, you might not need to.

The federal first home buyer schemes changed significantly in late 2025, and they now open the door much wider.

What you may qualify for:

→ 5% Deposit Scheme - buy with just 5% and no Lenders Mortgage Insurance. Since 1 October 2025: no income caps, unlimited places, higher price caps. Haven't owned Australian property in 10 years? You may still be eligible.

→ Help to Buy - the government co-buys up to 40% of a new home (30% of an existing home), so you may need just a 2% deposit. Means-tested ($100k single / $160k joint), 10,000 places a year, and its shared equity, so the government shares in your homes future value.

→ First Home Super Saver - withdraw up to $50,000 from your super for your deposit.

→ State grants amp; stamp duty concessions - often $10,000–$30,000 for new builds, plus duty concessions that vary by state.

Worth knowing: price caps differ by suburb and change, and some schemes stack while others cant be combined. Getting it right before you offer matters.

Worth knowing: price caps differ by suburb and change, and some schemes stack while others cant be combined. Getting it right before you offer matters.

KM Financial Services can help you work out which schemes you qualify for and how they fit your borrowing power.

KM Financial Services
Making home loans simpler. Not harder.
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Call Us: 040 287 9531
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

16/10/2026

📈 Demand for first home buyer loans jumped 16% 📈

It’s thanks largely to the expanded 5% Deposit Scheme.

Gen Z (18-25) has been the biggest benefactor, with Equifax reporting a 23% jump in home loan demand since October.

Could the 5% Deposit Scheme help you bring forward your home buying plans?

DM us to find out.
👇

To find out more, DM us or contact KM Finance on:

☎️ – 0402 879 531
💻 – [email protected]

15/10/2026

NAB now expects capital-city home values to fall 8% in 2026. But lower prices do not automatically mean easier buying.

Rate rises have also reduced borrowing power, which means your finance position still matters just as much as the property price.

Before you make a move, check:
→ How much you can realistically borrow
→ How much deposit you have available
→ What repayment level feels comfortable
→ Which lenders may suit your situation
→ Whether the property still stacks up long term
For investors, also look beyond the purchase price to rental demand, yield and holding costs.

A cheaper market can create opportunity. The key is knowing whether your finance is ready to use it.

At KM Financial Service, we help buyers and investors understand their borrowing position, compare lenders and prepare before making an offer.

Know your limit before you shop.
Read the full article on our website.

Book your free consultation.
General information only. Not personal financial advice.

Call Us: 040 287 9531
Book a free schedule meeting: https://tinyurl.com/kmfinance



mortgage broker Sydney | home loan borrowing capacity | NAB housing forecast | falling house prices Australia | first home buyer Australia | investment property loan | home loan pre-approval | compare home loan lenders

15/10/2026

What does Australia have in common with the United Kingdom and the Netherlands? In all three countries brokers facilitate more than 80% of new mortgages. We explain why. 😃

What does Australia have in common with the United Kingdom and the Netherlands? In all three countries brokers facilitate more than 80% of new mortgages. We explain why.

14/10/2026

Refinancing can save you thousands or quietly cost you. It usually comes down to a few green flags and red flags.

Green flags that say it might be time:
→ You can save around 0.5% or more and plan to stay past break-even
You called your current lender for a rate match first (Your Property Guide notes most borrowers who do get a better offer)
→ Fees are low, and you break even within one to two years
Red flags worth pausing on:
→ You're selling soon and may not recoup the switching costs (typically $1,000–$2,500 for a variable loan, per propcalculator.com.au)
→ You quietly reset back to a fresh 30-year term, which can add interest over time
→ A fixed-rate break cost cancels out most of the savings

The point is not that refinancing is good or bad. The whole picture matters, not just the headline rate. Figures here are general 2026 examples, so your real numbers will differ.

KM Financial Services can check your flags, run your real break-even, and tell you honestly whether switching is worth it for you.

KM Financial Services
Making home loans simpler. Not harder.

Call Us: 040 287 9531
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

14/10/2026

🌳 Why regional homes are gaining in popularity 🌳⁣
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Relaxed living, better value and enticing affordability. 🌿⁣
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It’s all driving a trend towards regional living - either out bush or by the sea. 🏡⁣
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The regional median home value of $771,365 is much more affordable than the $1,030,973 median across our cities, according to Cotality research. 📊⁣
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Could a move to the regions help you become a home owner? 💡⁣
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Contact us to find out. 👇⁣
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To find out more, DM us or contact KM Finance on:

☎️ – 0402 879 531
💻 – [email protected]

12/10/2026

🙌 The strategy that's struck a chord with 300,000+ first home buyers 🙌⁣
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The 5% Deposit Scheme has made home ownership possible for over 300,000 Australians.⁣
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The federal government guarantees your loan.⁣
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That means no lenders mortgage insurance is needed - a big saving. 👍⁣
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Contact us to find out if you’re eligible. 👇⁣
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To find out more, DM us or contact KM Finance on:

☎️ – 0402 879 531
💻 – [email protected]