Riz Finance

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02/09/2026

The Bathla situation is an important reminder: when you buy off the plan, you’re not just buying a property, you’re also backing the developer’s ability to deliver it.

Before signing, research the developer and builder, have the contract independently reviewed, understand how your deposit is protected and prepare for the possibility that your finance or valuation could change before settlement.

Glossy renders and attractive incentives should never replace proper due diligence.

01/09/2026

Sydney property prices have fallen by more than $93,000 on average since February but not every part of the market is falling equally. 👀

More affordable properties fell by just 0.6% in August, while homes valued above $1.9 million dropped by 1.8%.

That could create a genuine opportunity for upgraders, as the property you want to buy may have fallen by more than the one you’re selling.

For first-home buyers, there may be less competition but entry-level properties are also proving more resilient.

Don’t focus on perfectly timing the bottom. Focus on buying the right property with repayments you can comfortably afford.

31/08/2026

If you’ve got a home loan AND an investment loan, it matters which one you pay down first.

Two loans can have the exact same interest rate but a very different after-tax cost.

Interest on your own home loan is generally not tax deductible, while interest on money borrowed for an income-producing investment may be.

That’s why I personally prioritise reducing my home loan while generally keeping my investment loans interest only.

It’s not just about paying down debt faster. It’s about paying down the RIGHT debt first.

General information only. Tax deductibility depends on your circumstances and the use of borrowed funds. Speak to your accountant or tax adviser.

27/08/2026

Every single one of my investment property loans is interest only.

Why? Because right now, my priority isn’t paying down my investment properties, it’s paying down my own home.

Interest on your home loan is generally not tax deductible, while interest on money borrowed for an income-producing investment may be.

So rather than paying principal across everything, I’d rather direct more of my available cash towards reducing my non-deductible home debt.

Interest only isn’t right for everyone. But used strategically, it can be a very useful tool.

It’s not just about paying down debt. It’s about paying down the RIGHT debt first.

Always speak to your accountant or tax adviser about your individual tax position.

26/08/2026

Could interest rates be heading up again?

July inflation came in hotter than expected, with headline inflation at 3.5% and the RBA’s preferred trimmed mean measure remaining elevated at 3.6%. Economists forecasted inflation to fall to 3.3%.

That doesn’t guarantee another rate rise, but it keeps one firmly on the table and makes near-term rate cuts increasingly unlikely.

25/08/2026

A lower interest rate doesn’t automatically mean a better refinance 👀

Resetting a 25-year loan back to 30 years might lower your repayments, but it could also mean paying interest for another 5 years.

But here’s the interesting part…

I actually reset my investment loans back to 30 years with a new 5-year interest-only period when appropriate.

Why?

Because different debts can have different strategies.

My goal with my home loan is to pay it down as quickly as possible. With my investment loans, I generally want to keep repayments lower and direct more of my cash flow towards my non-deductible home debt.

The lesson?

Don’t refinance just for a lower rate or repayment. Make sure the loan structure actually matches what you’re trying to achieve.

General information only. Speak to your broker and tax adviser about your individual circumstances.

24/08/2026

What’s the point of building wealth if you never actually use it to create freedom?

A lot of people spend decades accumulating investment properties, while still carrying a huge mortgage on the home they live in.

But there may come a point where selling an asset is more valuable than buying another one.

Selling an investment property and using the proceeds to significantly reduce your home loan could mean:

🏡 A much smaller mortgage
💰 Lower monthly expenses
😌 Less financial pressure
⏰ Working fewer days
✈️ More time to actually enjoy your life

Building wealth is important.

But eventually, the goal should be to turn that wealth into time, flexibility and choice.

You don’t necessarily need the biggest property portfolio.

You need enough wealth to live life on your terms.

20/08/2026

What does it take to be in Sydney’s top 1%?

Across Greater Sydney, the top 1% of earners make an average of more than $1 million a year, around 12x the average Sydney income.

But in some suburbs, the numbers are on another level.

📍 Bellevue Hill $6.3m
📍 Rose Bay, Vaucluse & Watsons Bay $6.12m
📍 Woollahra $5.05m
📍 Dural & Kenthurst $1.66m
📍 Glenhaven $1.58m

And it’s not just the harbour anymore. The data shows high incomes spreading into Sydney’s north-west, as some high-income households opt for larger properties and more land.

Interestingly, the areas with some of Sydney’s highest incomes also tend to have some of its highest property prices.

20/08/2026

Australia’s unemployment rate has risen to 4.5%, its equal-highest level in almost five years 📈

The market expected 12,000 new jobs to be added.

Instead, the economy lost 15,800 jobs.

Why does this matter for your mortgage?

The RBA has been trying to slow the economy and bring inflation back under control and a cooling jobs market is another sign that higher interest rates are starting to bite.

It doesn’t mean rate cuts are around the corner, but it could make the case for further rate rises harder to justify.

As always, inflation and employment will be the numbers to watch.

19/08/2026

A falling property market isn’t necessarily bad news 👀🏡⁠
⁠
It all depends on where you are on the property ladder.⁠
⁠
✅ First home buyers: Lower entry price⁠
✅Upgraders: The gap to your next home could actually get smaller⁠
⁠
❌ Downsizers: You could lose more on the property you’re selling than you save on the one you’re buying⁠
❌ Exiting the market: You’re selling into the downturn without getting the benefit of buying back in cheaper⁠
⁠
The direction of the property market matters, but what you’re trying to do in that market matters even more.⁠
⁠

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206/4 Columbia Court, Norwest
Kellyville, NSW
2153

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