KM Financial Service

03/09/2026

Home loan demand is slowing across Australia, with NAB reporting a 15% drop in home loan applications in the June quarter.

But a slower market doesn’t mean you should stop planning.

It could be the right time to step back, review your borrowing capacity, compare loan options and make sure your finances are ready for your next move.

Before you start house hunting or refinancing, make sure you know what you can comfortably afford.

KM Financial Services can help you understand your borrowing capacity, compare finance options and structure your loan around your goals.

Book your free consultation today.

Read More: https://tinyurl.com/ymm3syhz
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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

03/09/2026

Several of the big banks have pivoted on their rate outlook, and are now predicting rate hikes (rather than no change or a fall) this side of Christmas. It could be a cue for homeowners to plan rather than panic. 😎

Several of the big banks have pivoted on their rate outlook, and are now predicting rate hikes (rather than no change or a fall) this side of Christmas. It could be a cue for homeowners to plan rather than panic.

02/09/2026

🏡 Could multi-gen living help you onto the property ladder? 🏡⁣
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Searches for “dual-occupancy” homes have skyrocketed 385% in the past year, according to PropTrack data. 📈⁣
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Searches for “dual-living” are up 100%. 📊⁣
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And interest in granny flats has jumped 30%. 🏠⁣
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DM us to find out how you and your family can team up for an affordable home. 👇⁣
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To find out more, DM us or contact KM Finance on:

☎️ – 0402 879 531
💻 – [email protected]

01/09/2026

Spring can bring more properties to the market, but it can also bring more competition.

That’s why waiting until September to sort out your finance could mean missing opportunities.

Preparing in August gives you time to:
→ Check your current borrowing power
→ Get your pre-approval in place
→ Organise your financial documents
→ Set a realistic property budget
→ Be ready to act when the right property appears

The goal isn't to rush into a purchase.
It’s to enter the spring buying season prepared and confident.

At KM Financial Service, we help buyers understand their borrowing position and prepare their finance before they start making offers.

Read the full blog on our website:https://tinyurl.com/4afhhhkn
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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

01/09/2026

HSBC is exiting Australian retail banking. So, what does that mean for home buyers and borrowers?

HSBC has agreed to sell its $36 billion home and personal loan portfolio to Blackstone, with Pepper Money expected to service the loans once the transaction is completed, subject to regulatory approval.

For existing HSBC customers, there’s no immediate action required.
But for buyers and refinancers, the bigger takeaway is about financial certainty.

In a lending market that's constantly evolving, it pays to:
→ Keep your borrowing power up to date
→ Have a strong pre-approval before making an offer
→ Understand more than one lending option
→ Have a backup strategy if lender policies change
→ Review your finance before settlement, not at the last minute

Your lender may change. Your finance strategy needs to be ready for change too.

At KM Financial Service, we help buyers and borrowers understand their lending options and prepare for their next property move with confidence.

General information only. Not personal financial advice.

Read the full article on our website: https://tinyurl.com/ujn9ry3m

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 Australia | Best investment home loan rates Australia | Home loan for self employed | Investment property loan | Home loan experts Australia

31/08/2026

💼 How to get a home loan if you’re self-employed 💼⁣
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Over 1.7 million Australians run their own show. ⁣
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It can bring freedom, flexibility and financial rewards. ⁣
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But it may mean jumping through more hoops when it comes to taking out a home loan. 🏡⁣
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You may be eligible for a standard ‘full doc’ loan with just one or two years' financials. 📝⁣
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Or low doc loans can be available if you’re very new to small business. 📊⁣
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The main point is to speak to us to understand your options. 👇⁣
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To find out more, DM us or contact KM Finance on:

☎️ – 0402 879 531
💻 – [email protected]

28/08/2026

⏳ What usually happens after a property downturn?⏳

Property prices rose 32% on average after each of the eight past downturns*.

With the market currently in a lull, buyers could potentially snag a house at a good price.

But wait too long, and buyer competition could be fierce.

Being prepared is key. DM us about pre-approval and get organised today.👇

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

☎️ – 0402 879 531
💻 – [email protected]

* Domain data

28/08/2026

Do we like to have a little fun around here? You bet! 😜 But we're also super professional too! And we'll work hard for you like we did for Yousif ! 😊

27/08/2026

Property transactions involve big bucks – and that makes them a big target for scammers. With large sums of money at stake, we reveal what to look out for, and how to protect yourself from property settlement scams. 🔎 🏡

Property transactions involve big bucks – and that makes them a big target for scammers. With large sums of money at stake, we reveal what to look out for, and how to protect yourself from property settlement scams.

26/08/2026

A home loan is not just about the interest rate.

Two borrowers can have the same loan amount and the same advertised rate, but end up in very different positions because of how the loan is structured.

In this blog, KM Financial Service explains why borrowers should look beyond rate and review:
→ Offset account value
→ Package fees and unused features
→ Fixed vs variable timing
→ Repayment type
→ Investment loan structure
→ Lender policy for complex income

The right loan is not always the one with the lowest advertised rate.
It is the one that fits your income, goals and financial behaviour.

Read the full blog on website to know what matters before choosing a home loan.
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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