Planway Finance and Home Loans

12/05/2026

Budget Summary

The 2026-27 Australian Federal Budget, delivered tonight by Treasurer Jim Chalmers, is being framed as an ambitious plan focused on structural reform, cost-of-living relief, and housing market rebalancing.

Here are the key highlights and figures from the announcement:

1. Major Property & Tax Reforms

The government has introduced significant changes to property tax settings, aimed at helping first-home buyers and younger Australians:

• **Negative Gearing: Benefits will now be limited to newly built properties only. This is a major policy shift designed to incentivise new housing supply rather than competition for existing stock.

• Capital Gains Tax (CGT): The 50% CGT discount for property investors is being wound back for future transactions on established homes.

• Income Tax Cuts: The lowest marginal tax rate (for incomes between $18,201 and $45,000) will be cut from 16% to 15% starting July 1, 2026, and further to 14% in 2027.

2. Cost-of-Living Measures

• Energy & Fuel: A $2.55 billion package will cut the fuel excise for three months to buffer against global energy shocks.

• Tax Rebates: A new permanent $250 tax offset for working Australians has been introduced, alongside a $1,000 instant tax deduction for eligible workers.

• Medicare: The Medicare levy low-income threshold has been increased by 4.7%, exempting more low-income earners from the levy.

3. Housing & Infrastructure

• Housing Supply: An additional $2 billion has been allocated for "enabling infrastructure" (water, sewerage, etc.) to unlock an estimated 65,000 new homes over the next decade.

• Rent Assistance: Continued increases to the maximum rates of Commonwealth Rent Assistance to support the 2.9 million renting households.

4. National Security & Social Services

• Defence Spending: An extra $53 billion will be spent over the next decade, with a focus on drones and the AUKUS nuclear submarine project.

• NDIS Reform: The government is moving to cap the growth of the National Disability Insurance Scheme (NDIS) to 2% per year, down from over 10%. This is expected to remove approximately 160,000 people from the scheme to ensure its long-term sustainability.

• Counter-Terrorism: $74 million will be used to establish a new national centre to combat terrorism and online threats.

5. Small Business Support

• Instant Asset Write-off: The $20,000 instant asset write-off for small businesses has been made permanent, providing more certainty for equipment and tech upgrades.

12/02/2026

Behind every “Loan Approved” is a story…
A family upgrading.
A first home buyer stepping in.
An investor building wealth.

As a mortgage broker, my job isn’t just to find a loan — it’s to find the right strategy for YOU.

✔ Tailored loan options
✔ Unbiased advice
✔ Smart approval strategies
✔ Long-term property planning

In a market where rates shift, policies change, and banks tighten rules… you need someone who understands both the numbers and your journey.

If you’re thinking about buying, refinancing, or investing — let’s have a conversation.
Your property goals deserve a proper plan, not guesswork.

📩 Message me to book a consult.
Let’s make it happen. 💼🏠

05/02/2026

“Marketing fools you… if you let it.” 👀

Big ads. Flashy rates. Loud promises.
But when it comes to home loans, marketing doesn’t always tell the full story.

That “lowest rate” might come with:
❌ high fees
❌ short-term discounts
❌ strict conditions
❌ or nasty surprises later

👉 The real win is the right loan for YOU, not the best-looking ad.

This is where a broker adds value — cutting through the noise, comparing lenders beyond the marketing, and focusing on what actually works for your situation.

See through the marketing.
Choose strategy over slogans.

03/02/2026

Check your borrowing power in minutes!

Thinking about buying a home or refinancing your loan? Before you take the next step, it’s super helpful to know how much you can borrow — and the good news is, it only takes a few minutes.

👉 Check your borrowing capacity here:
https://app.middle.finance/ref/23255384-4303-4f3d-bee6-c988eb8c50a5

💡 Just:
✔️ Open the link
✔️ Fill in a few basic details
✔️ Get a clear idea of your borrowing limit

Whether you’re a first-home buyer, investor, or upgrading — this is the FIRST smart step in planning your property journey.

📩 Once you’ve done that, I’ll help you interpret your results and work out your best strategy.

28/01/2026

https://vt.tiktok.com/ZSauXEMXt/

📊 Inflation Update: What This Means for Interest Rates

Australia’s latest inflation data is out, and it’s a mixed bag 👇

• Monthly CPI: 1.0% (higher than expected)
• Annual CPI: 3.8% (still well above the RBA’s 2–3% target)
• Trimmed Mean CPI: 0.2% (slightly softer, but still sticky)

So what does this mean for interest rates?

👉 Inflation is cooling slowly, but not fast enough
👉 Core inflation (what the RBA really watches) is still too high
👉 This makes rate cuts unlikely in the short term

At this point, the most likely outcome is a rate HOLD, not a cut.
A hike isn’t guaranteed — but it’s definitely not off the table if inflation stays stubborn.

For borrowers and buyers, the message is simple:
📌 Rates may stay higher for longer
📌 Borrowing power remains under pressure
📌 Waiting for quick relief could mean waiting too long

This is why planning early matters more than timing the perfect rate cut.

💬 What do you think comes next?
• Rate hold?
• Another hike?
• Or cuts later than everyone expects?

If you want to understand how this impacts your borrowing capacity or buying plans, feel free to message me — happy to talk it through.

17/01/2026

🏠📈 Sydney homeowners hit with up to $22,000 extra per year in mortgage repayments

New data shows many Sydney borrowers are now paying around $22,000 more per year on their home loans compared to just a few years ago — largely due to interest rate rises and loan roll-offs from low fixed rates.

💡 What this means for homeowners:
• Household budgets are under pressure
• Loan structure matters more than ever
• Doing nothing could be costing you thousands

Now more than ever, it’s important to:
✔️ Review your current interest rate
✔️ Check if refinancing could reduce repayments
✔️ Consider strategies like split loans or different repayment options

📩 If you’re unsure whether your loan is still competitive, let’s review it — a simple check could make a big difference.


PLANWAY
📞 [0466865747]
📩[email protected]

15/01/2026

🚨 CBA just moved fixed rates – this matters 🚨

From 15 January 2026, CBA has increased fixed home loan rates:
• 1-year fixed: +0.45%
• 2-year fixed: +0.35%

Banks don’t adjust fixed rates randomly. Fixed rates are driven by where banks think money is heading over the next 1–3 years.
This move suggests one thing clearly 👉 banks are not pricing in meaningful rate cuts anytime soon.

Does that mean more hikes are guaranteed? Not necessarily.
But it does point to a “higher for longer” environment being taken seriously by lenders.

So what does this mean if you’re thinking about buying?

🏡 Higher rates = reduced borrowing power
🏡 Reduced borrowing power = fewer options
🏡 Fewer options = more buyers missing out when competition heats up

The buyers who tend to do best are the ones who prepare early:
✔ Know their true borrowing capacity
✔ Get pre-approved before rates move again
✔ Buy when others are still waiting for “certainty”

If you’re planning to buy in 2025 or 2026, waiting for perfect conditions can actually cost you more in the long run.

💬 I’m curious to hear your thoughts:
• Rate cuts coming soon?
• More hikes ahead?
• Or higher for longer?

If you want a clear, honest assessment of where you stand, no pressure, no sales talk, message me.
Getting positioned early is often the biggest advantage in this market.

10/01/2026

😂 Choosing a home loan among lenders be like…

At first glance, all home loans look the same —
Same smile 😁
Similar rates 📊
Fancy features ✨

But what you don’t see right away can make a huge difference to your repayments, flexibility, and long-term cost.

That’s where a mortgage broker comes in 👇
✔️ Compares multiple lenders (not just one bank)
✔️ Explains the fine print in plain English
✔️ Matches the loan to your goals — not the bank’s
✔️ Helps you avoid costly mistakes

💡 The right loan isn’t about picking a face — it’s about choosing the right fit.

📩 Thinking of buying or refinancing? Let’s find the loan that actually works for you.


PLANWAY
📞 [0466865747]
📩[email protected]

29/12/2025

🏡📈 Australian house prices could DOUBLE by 2030 – here’s what the data shows

According to new modelling by PropTrack (via realestate.com.au), if recent growth trends continue, house prices in many parts of Australia could double by 2030.

📊 Some key highlights:
• Sydney house prices could reach around $2.4 million
• Brisbane & Adelaide medians could push well beyond $1.4–$1.5 million
• Many suburbs across Australia are already on a trajectory to double in value if supply shortages and demand trends persist

⚠️ Important to note:
This is not a prediction, but modelling based on repeating the strong growth seen over the last 5 years. Still, it clearly highlights the impact of:
✔️ Ongoing housing supply shortages
✔️ Strong population growth
✔️ Long-term demand for Australian property

💡 What this means for buyers & investors:
Waiting on the sidelines could mean facing higher prices later, while planning early even in uncertain markets may create long-term advantages.

As always, the right strategy depends on your personal situation, borrowing capacity, and goals.

📩 If you’re thinking about buying your first home or investing, let’s talk and plan smart.



PLANWAY
📞 [0466865747]
📩[email protected]

https://www.realestate.com.au/news/aussie-house-prices-will-double-by-2030-in-many-areas-modelling-shows/

27/12/2025

📊 What’s likely to happen to Australian house prices in 2026 🇦🇺

A recent business feature from ABC News discussed the outlook for property values next year, and the main takeaway is that prices are expected to keep rising in 2026, continuing the momentum of the current housing market boom. 📈 

🏠 Here’s what experts are saying:
• Property prices are forecast to reach new record highs in most capital cities in the coming year, driven by strong demand and limited housing supply, making affordability an ongoing challenge for buyers. 
• The market has remained robust even as interest rates have shifted, with low supply, population growth and income improvements helping to sustain price growth. 
• Analysts also note that rising rents and ongoing demand from buyers continue to support homeowner confidence and valuation levels. 

📍 What this means for buyers & investors:
✔️ Sellers may continue to see strong demand and rising sale prices
✔️ First-home buyers may find affordability more challenging
✔️ Investors looking for growth should watch local market conditions closely

Overall, while economic conditions and interest-rate outlooks can change, the current consensus points to continued upward pressure on house prices through 2026, especially where supply remains tight. 

📩 Thinking about buying or investing next year? Let’s talk strategy so you’re ready for what’s ahead! 🏡💬

Subscribe: https://ab.co/3yqPOZ5 Read more here:Australia is in the midst of a housing boom. Home prices have been rising in every capital city, driven b...