Kylie Charles - Cube Home Loans Finance Broker

Kylie Charles - Cube Home Loans Finance Broker I have 20 years' experience in the finance industry. I’m one of those people who love what they do!

Workers will soon receive their super contributions at the same time as their wages, under new legislation known as payd...
13/11/2025

Workers will soon receive their super contributions at the same time as their wages, under new legislation known as payday super.

The Treasury Laws Amendment (Payday Superannuation) Bill 2025, announced by Treasurer Jim Chalmers, will take effect from 1 July 2026.

Dr Chalmers said the reform would “help ensure more Australians get the secure retirement they need and deserve”.

“Workers will benefit from more frequent and earlier super contributions, that will grow and compound over their working life,” he added.

The Treasurer also said the new law would make it easier to identify unpaid super and crack down on wage theft. “Super is an entitlement of workers, like salary or wages, and unpaid super is a form of wage theft. This Bill will help put a stop to it,” he said.

The Association of Superannuation Funds of Australia (ASFA) welcomed the reform, calling it “a simple but powerful reform that will boost the retirement savings of every Australian employee and help address the problem of unpaid super”.

With the economy shifting and new reforms ahead, now’s a smart time to reassess your business or property goals. Reach out if you’d like help securing funding for your next commercial venture.

Australia’s unemployment rate has ticked up, rising from 4.3% in August to 4.5% in September, according to the Australia...
11/11/2025

Australia’s unemployment rate has ticked up, rising from 4.3% in August to 4.5% in September, according to the Australian Bureau of Statistics (ABS). A year earlier, it sat at 4.0%.

The economy is still creating jobs, but not fast enough to keep pace with population growth. Over the year to September, the number of people with jobs increased 1.3%, while the number of unemployed people rose 12.6%.

That might sound like the market is softening – but it’s still tight by historical standards. Many businesses are still finding it challenging to attract and keep good staff.

In this environment, offering competitive pay, flexible conditions and opportunities for development can make a real difference. Retaining reliable employees is often more cost-effective than constantly hiring and training new ones – particularly when wages and recruitment costs remain high.

Contact me if you’d like to review your cash flow or finance arrangements to help you manage staffing costs effectively.

Foreign investors are returning to Australia’s commercial property market with renewed strength, according to Ray White ...
10/11/2025

Foreign investors are returning to Australia’s commercial property market with renewed strength, according to Ray White Head of Research Vanessa Rader

“Foreign capital is surging back into Australia’s commercial property market with remarkable momentum, driven by regulatory efficiency improvements and evolving investment strategies,” she said.

Cross-border transaction data from Real Capital Analytics shows offshore investment reached $15.9 billion in the first half of 2025 – a sharp recovery from just over $10 billion in 2023.

Ms Rader said process improvements by the Foreign Investment Review Board (FIRB) had made Australia more attractive to overseas buyers.

“FIRB processing times have improved significantly, with median processing now taking 29-34 days for commercial proposals. This regulatory efficiency has created a more competitive environment for attracting international capital,” she said.

She added that investors were increasingly targeting “next-generation commercial assets” such as data centres, cold storage and advanced logistics infrastructure, which benefit from structural economic changes.

Contact me if you’d like help arranging finance for your next commercial property purchase.

The Reserve Bank of Australia (RBA) says most Australian businesses remain in good shape, even as economic pressures con...
07/11/2025

The Reserve Bank of Australia (RBA) says most Australian businesses remain in good shape, even as economic pressures continue.

In its latest Financial Stability Review, the RBA said: “Despite ongoing pressures, the business sector remains resilient overall given stable profit margins, strong credit availability and generally robust balance sheets.”

Most firms are still profitable, with operating profit margins “around the levels recorded during the 2010s”. The RBA also noted that SME profitability data “suggests most of these firms were able to maintain (or slightly improve) their operating margins, despite strong input cost growth over recent years”.

Business balance sheets are strong, supported by lenders’ willingness to provide credit and by increased competition among lenders. According to the RBA, this competition has “supported credit availability for some businesses and reduced refinancing risks over the past year”.

Reach out if you’d like to review your business finance options to help strengthen your cash flow and balance sheet.

Buying a new car is exciting – but choosing how to finance it deserves just as much attention. Car loans come in many fo...
06/11/2025

Buying a new car is exciting – but choosing how to finance it deserves just as much attention. Car loans come in many forms, and understanding the options can make a big difference to what you pay overall.

Loan terms usually range from one to seven years, and interest rates can vary significantly between lenders. The rate you’re offered will also depend on whether the loan is secured (backed by the car) or unsecured. Secured loans generally have lower rates because the vehicle acts as collateral.

Beyond interest rates, car loans often include application fees and monthly charges that affect the total cost. It’s also important to choose a repayment structure that suits your budget. A balloon loan means lower monthly repayments but a significant lump-sum payment at the end – and higher overall costs. Paying the loan off evenly means higher instalments but a cheaper outcome long term.

Many buyers turn to dealer finance for convenience, but brokers can often access better-value loans from a broader range of lenders and tailor repayments to your situation.

Contact me if you’d like help comparing car loan options and finding finance that fits your needs.

I'm truly honored to have been nominated for the Better Business Awards 2026. Thank you to the very kind person who nomi...
05/11/2025

I'm truly honored to have been nominated for the Better Business Awards 2026. Thank you to the very kind person who nominated me :)

The Reserve Bank of Australia (RBA) kept the cash rate unchanged at 3.60% following its November monetary policy meeting...
04/11/2025

The Reserve Bank of Australia (RBA) kept the cash rate unchanged at 3.60% following its November monetary policy meeting. Read the full statement here.

The decision reflects the Board’s view that monetary policy remains restrictive enough to guide inflation (currently 3.2%) back to the target range (2-3%), while allowing the economy to stay on a soft-landing path.

In a recent speech, RBA assistant governor Christopher Kent noted that “financial conditions were restrictive and restraining demand” but that there are now early signs of easing as mortgage payments fall and housing credit increases in response to earlier rate cuts.

This highlights the RBA’s cautious approach, balancing signs of stronger growth with ongoing risks at home and abroad.

Contact me if you’d like to discuss the current cash rate environment and how it may affect your current loan or future borrowing plans.

With Christmas approaching, many Australians will be pulling out their credit cards for gifts, travel and social events....
03/11/2025

With Christmas approaching, many Australians will be pulling out their credit cards for gifts, travel and social events. But if you’re planning to buy a property or refinance early next year, it’s worth keeping an eye on how much you spend – and how much you owe.

New data from the Reserve Bank of Australia shows Australians made a record 305.4 million personal credit card transactions in August – 3.9% more than a year earlier. While that surge reflects confidence and convenience, it can also create headaches for borrowers when it’s time to apply for a loan.

Lenders assess your overall financial position, and high credit limits or outstanding card balances can reduce your borrowing power. Even unused credit cards count, because banks assume you could spend up to your limit at any time

If you’re planning to enter the market in the new year, try to keep festive spending under control and pay down credit card balances promptly.

Contact me if you’d like to discuss how your credit profile could affect your borrowing capacity.

The number of borrowers who are choosing brokers over banks has never been higher – and is rising at a very sharp rate.I...
31/10/2025

The number of borrowers who are choosing brokers over banks has never been higher – and is rising at a very sharp rate.

In the June quarter, banks originated only 22.4% of new home loans, compared to 77.6% by brokers, according to data by Cotality, which was commissioned by the Mortgage & Finance Association of Australia. This is not only a record result, it's a significant increase from one year earlier (73.7%) and two years earlier (67.2%).

At the same time, Canstar analysis of banking data has found that the number of bank branches throughout Australia as of 30 June was 5% lower than in 2024 and 33% lower than five years earlier.

Why more borrowers turning to brokers
More choice. Brokers can access dozens of lenders, not just one, giving borrowers a wider range of loan products and interest rates.
Personalised service. Brokers take the time to understand each borrower’s goals and financial situation.
Expert guidance. They help navigate complex lending criteria and compare options that can be hard to decipher alone.
Convenience. With many banks reducing face-to-face services, brokers provide flexible, human support online or in person.
Best Interests Duty. Brokers are legally required to act in their customers’ best interests – banks are not.

Contact me if you’d like to explore your home loan options or compare rates across multiple lenders.

Australian homes are being built on smaller blocks than ever before – and buyers are adjusting their expectations accord...
28/10/2025

Australian homes are being built on smaller blocks than ever before – and buyers are adjusting their expectations accordingly.

PropTrack data shows the median land size of houses sold nationwide has fallen from 670sqm in 2015 to 645sqm in 2024. REA Group Economic Analyst Megan Lieu said this reflects “changes in economic, demographic and planning factors over the past decade”.

According to Ms Lieu, one key driver is population growth, which has increased by 15% since 2015. With limited land supply and planning restrictions, “land and ultimately housing costs tend to rise”, she said. To keep prices within reach, new homes are being built on smaller blocks, often through zoning reforms that promote infill development and more townhouses and duplexes.
While blocks are shrinking, the size of new houses has stayed consistent. “At a national level, the average floor area of a newly built house is currently 241sqm,” Ms Lieu said. “Over the past decade, the interior area of a house has consistently ranged between 230sqm and 240sqm.”

For buyers, that means similar living space on smaller lots – and growing demand for homes that balance lifestyle, location and affordability.

Contact me if you’d like help financing your next property purchase or understanding how these market shifts could affect your options.

On the 06th September, Kylie and Graham were married!! Congratulations to you both!!!
28/10/2025

On the 06th September, Kylie and Graham were married!!

Congratulations to you both!!!

24/10/2025

Thanks to the gorgeous Veronika Bendzalova-Jasiecki from V & Co Realty for the catch up! If you are interested to learn more more what this means for you and your options to purchase a home, please touch base with Veronika or myself!

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3/3986 Pacific Highway
Loganholme, QLD
4310

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Wednesday 7am - 6pm
Friday 7am - 5pm

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+61432438999

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