Mom and Dad Finance

09/04/2026

04/01/2026

Australian home sellers just hit record profits.
In Sept 2025, 95.5% of resales made a gain.

Cotality reports the median resale profit at $335,000, the highest ever.

Home values stayed at record highs for eight straight months.
Houses led the charge.

97.9% of houses sold for a profit, versus 90.6% of units, which made up 68.9% of all loss-making resales.
Location mattered.

Brisbane topped the capitals with 99.8% profitable sales and a $444k median gain, while regional markets outperformed capitals overall.

For borrowers, equity is up but timing matters.

Recent buyers face tighter buffers, and rate pressure is expected again in 2026.
→ Review your equity.
→ Stress-test your loan.
→ Make sure your structure still works.

At Mom & Dad Finance, we help borrowers make sense of moments like this.
Does your loan still hold up if rates rise and markets cool?

Read the full breakdown on our website or book a call for expert guidance.
Call Us: 61 0449609191
Book a Free Chat: https://tinyurl.com/MomDadFinance

02/01/2026

Vineeth reached out with one goal, securing a loan that actually fit his life, not just the numbers.

From day one, the focus was simple: clarity, honesty, and getting him the best possible outcome.
↳ We took time to understand his full financial picture.
↳ Reviewed every option without pressure or confusion.
↳ Stayed accessible at every step: calls, messages, updates.
↳ Negotiated hard to secure a rate far better than he expected.
That’s how good finance should feel: steady communication, genuine support, and a structure built for long-term confidence.

Here’s what Vineeth shared after the process:
➤ “Amit was professional, attentive and genuinely supportive throughout. He secured me a far better rate than I expected and guided me at every step. Best broker I’ve worked with.”

When someone feels heard, understood, and looked after the result is more than just an approval.
It’s peace of mind.

I’m Amit, founder of Mom and Dad Finance, helping Australians make confident, informed decisions about their property journey.

→ Ready for finance that actually works for you? Book a FREE discovery call today
Call Us: 61 0449609191
Book a Free Chat: https://tinyurl.com/MomDadFinance

24/12/2025

🎄 Wishing you a very Merry Christmas from all of us at Mom & Dad Finance. 🎄

This festive season, we’re grateful for the families and individuals who trusted us with their home loan and property finance decisions throughout the year.

As we look ahead to the New Year, our focus remains the same helping Australians make confident choices around home loans, refinancing, and property finance, with clear advice and genuine support every step of the way.

May your Christmas be filled with joy, good health, and time well spent with loved ones, and may the New Year bring new opportunities and fresh beginnings.

Warm festive wishes,
Team Mom & Dad Finance

15/10/2025

Last week, I met a business owner who runs a thriving digital agency in Melbourne.

Profitable, steady clients, great financials but when he applied for a home loan, the bank said no.

→ Why? Because his income came through a company, not a payslip.
→ The bank saw “variable earnings,” not “consistent performance.”
→ And just like that, his entrepreneurial success became a red flag.

Here’s what I’ve learned after helping many self-employed Australians get approved:

Income Clarity Matters
↳ Plan your tax returns with your accountant before applying
↳ Keep business and personal finances cleanly separated
↳ Retained profits don’t always count, draw them when needed
↳ Timing your application after your strongest year can make all the difference

Smart Alternatives Exist
↳ Low-doc and alt-doc loans are designed for business owners
↳ Specialist lenders understand how entrepreneurs earn

Being your own boss shouldn’t stop you from owning your dream home.

You just need someone who knows how to translate business success into bank language.

If you’re self-employed and planning your next property move, let’s talk.
📞 Book your free consultation today.

Read More: https://tinyurl.com/wtadmmrb
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Call Us: 61 0449609191
Book a Free Chat: https://tinyurl.com/MomDadFinance

09/10/2025

Most people think of a mortgage broker as someone who just gets them a loan approved.

That’s not who we are.

We’ve seen too many buyers walk away with a deal that looked good on paper — but left them stuck, stressed, or unable to take the next step.

That’s why we built Mom & Dad Finance differently.

Here’s how we work:

✔ We give you a clear loan strategy so you don’t miss opportunities
✔ We cut through the bank jargon and make it simple
✔ We rebuild trust with straight talk and transparent advice
✔ We help you unlock and use your equity the smart way
✔ We guide you through SMSFs, refinancing, and long-term wealth moves

The result? Our clients don’t just buy property, they start building a legacy.
For us, every file is more than paperwork.

It’s someone’s home, someone’s family, someone’s future.
Want that kind of clarity and momentum from the start?

Book your first finance call here: https://www.momanddadfinance.com.au
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Call Us: 61 0449609191
Book a Free Chat: https://tinyurl.com/MomDadFinance

08/10/2025

The RBA has kept the cash rate on hold at 3.60%, giving borrowers short-term relief but with inflation still running slightly above expectations, the hold comes with caution. Governor Michele Bullock made it clear: the RBA’s focus is inflation, not housing prices.

Markets adjusted fast. The Australian dollar climbed, and bond futures now price just a 36% chance of a November rate cut, down from about 55%. That means borrowers may be waiting longer than expected for rate relief. Meanwhile, property prices continue to firm as supply remains tight.

For borrowers, a flat rate doesn’t mean a flat market. Budget pressure is still real, and now’s the time to act smart. Compare your loan against current deals, model repayment scenarios at today’s rate, and use tools like offset or redraw accounts to manage cashflow. If you’re planning to buy, keep your pre-approval ready and set realistic limits sellers still hold the upper hand in a low-supply market.

At Mom & Dad Finance, we help you stay prepared while others wait. Whether it’s refinancing, reviewing your structure, or preparing for your next purchase, our experts will guide you through every step.

Are you planning to review your loan now, or waiting for rates to move first?
Book a free consultation or visit our website to read the full article and learn how to stay ahead in a changing market.

Read More: https://tinyurl.com/ptczv387
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Call Us: 61 0449609191
Book a Free Chat: https://tinyurl.com/MomDadFinance

04/10/2025

Client Spotlight: Turning Plans Into Profits

One of my clients is in the advanced stages of a Build & Flip project.

The idea is simple but powerful: build a premium property, then sell on completion for a healthy profit.

But behind the scenes, it’s far from simple. It takes strategy, timing, and the right funding to pull it off successfully.

This is where finance becomes the make-or-break factor. Traditional lenders often struggle to understand the unique needs of developers.

In this case, we structured specialised development finance to keep the project moving smoothly and position my client for maximum return.

It’s always inspiring to see middle-class investors step into property development — turning ambition into action and building real wealth.

👉 If you’ve ever thought about doing a Build & Flip but felt stuck on the finance side, know that the right strategy can make it possible.

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01/10/2025

Most first-home buyers still believe the 20% deposit myth.
But from 1 October 2025, the Home Guarantee Scheme changes the game:

→ Buy with just 5% down
→ No LMI
→ Higher property caps in Sydney, Brisbane, Melbourne, and Adelaide

Here’s why this matters:
Most “best rates” online still expect 20% saved. And if you go in without a clear strategy, you’ll either pay more than you need to or miss out on opportunities that fit your situation.

That’s exactly why Mom and Dad Finance exists.

We’ve helped countless first-home buyers cut through the myths, understand their real options, and step into ownership sooner — without unnecessary costs.
When you know the right path, confidence replaces confusion.

Want that kind of clarity and momentum from the start?
👉 Book your first finance call here: https://www.momanddadfinance.com.au
What do you think is the bigger hurdle for first-home buyers - saving the deposit or finding the right loan?
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Call Us: 61 0449609191
Book a Free Chat: https://tinyurl.com/MomDadFinance

20/08/2025

🏡 1 in 2 home owners are planning eco-upgrades 🏡⁣
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Half of Australian home owners are set to spend an average of $7,950 over the next 5 years, making their home more energy efficient, according to REA Group.⁣
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For 7 in 10 families it’s about saving on power bills. ⚡️⁣
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But 45% say they face a major hurdle – paying for green renovations.⁣
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Here’s the good news though: your home itself could help foot the bill. 🏡⁣
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That's because the equity you've potentially built up in your place could be a source of funds through refinancing (and potentially lower your interest rate in the process)⁣
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If you'd like to find out more, get in touch and we'll run you through your options. 👇⁣
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To find out more, DM us or contact Mom and Dad Finance on:

📞 - 0449 609 191
💻 - [email protected]