Cube Central

03/06/2026

Proposed tax reforms could reshape the property investment landscape, potentially influencing future buying decisions, investment strategies, and market trends.

While there is still uncertainty around what changes may be introduced, understanding how they could affect your borrowing capacity and investment plans is important.

📩 Want to understand what these changes could mean for you? Contact our team today.

01/06/2026

Life insurance doesn’t have to be confusing. The right cover can help protect your family’s future and provide financial support when it matters most.

Whether you’re exploring life cover for the first time or reviewing your current policy, understanding your options can help you make more informed decisions.

📩 Need help understanding your cover options? Get in touch with our team today.

01/06/2026

Today, we’re celebrating 21 incredible years of helping Australians achieve their financial goals.

From humble beginnings to becoming a trusted finance partner for thousands of Australians, our journey has always been guided by one simple belief: helping every customer be in a better position than before they spoke to us.

To our clients, partners, and amazing team, thank you for being part of our story. Your trust and support have made every milestone possible.

Here’s to 21 years of growth, success, and making a difference, and to many more years ahead!

28/05/2026

A good investment property is not just about the house itself. Long term growth often comes down to factors like demand, infrastructure, population growth, and local amenities.

Before buying, take the time to research the area properly because the right location can make a huge difference over time.

📩 Want help understanding your property investment options? Send us a message today.

28/05/2026

Australia continues to lead in rooftop solar adoption, with more homeowners looking for ways to reduce energy costs and improve energy efficiency.

Green loans can help fund things like:
• Solar panels
• Storage batteries
• Energy efficient upgrades
• Water saving technology

There may also be government rebates and incentives available depending on your eligibility and location.

With more lenders offering green finance options, comparing the right structure and loan can make a big difference.

📩 Thinking about upgrading your home with solar or energy efficient improvements? Reach out to explore your finance options.

26/05/2026

As End of Financial Year approaches, turnaround times across banks and lenders are becoming more limited, especially for:

• Asset Finance – cut off around 23 June
• Cashflow Lending under $250k – around 23 June
• Cashflow Lending above $250k – around 16 June
• Private / Short Term Lenders – around 15 June

This period often sees businesses looking to:
• Acquire vehicles or equipment
• Improve cashflow
• Consolidate existing debt
• Fund expansion opportunities

Getting organised early can make a big difference before lender deadlines close in.

📩 If you’re considering finance support before EOFY, now is the time to explore your options and start the conversation.

20/05/2026

Life insurance doesn’t have to be confusing or overwhelming. The right cover is there to protect your family, your future, and your finances if life takes an unexpected turn.

A lot of people have cover through super or a policy they signed up for years ago, but many don’t actually know what’s included or whether it still suits their situation today.

Understanding things like life cover, TPD, trauma cover, premiums, and policy options can make a big difference when it matters most.

The important thing is having cover that fits your lifestyle, financial goals, and the people who rely on you.

📩 If you’re unsure about your current cover or don’t know where to start, reach out to the team and we can help point you in the right direction.

08/05/2026

Managing multiple repayments can quickly become stressful, especially when balancing everyday expenses alongside your mortgage and other debts. Debt consolidation may help simplify things by combining eligible debts into one repayment through refinancing your home loan.

For the right situation, this can improve cash flow, reduce financial stress, and potentially save money over time. The key is making sure the structure and lender are suited to your goals and circumstances.

📩 Get in touch or book a free consultation to see if debt consolidation could work for you.

07/05/2026

Car finance can seem convenient at the dealership, but not all loan options are created equal. High fees, variable rates, and restrictive terms can end up costing more over time.

Getting organised before stepping into the showroom and understanding your finance options can help you negotiate better and avoid unnecessary costs. A well structured loan should suit both your budget and your long term financial goals.

📩 Get in touch or book a free consultation to explore your car finance options.

05/05/2026

Refinancing means switching your current loan to a new one, often to secure a lower interest rate. Even a small rate difference can reduce your monthly repayments and potentially save you thousands over time.

It’s not just about the rate though. The right loan structure matters too, and reviewing your options can help make sure your home loan is still working in your favour.

📩 Get in touch or book a free consultation to see if you could lower your repayments.

01/05/2026

Many homeowners don’t realise they could be sitting on significant equity in their property without using it. This “unused” equity can be leveraged to invest in another property, fund renovations, or consolidate higher interest debts.

The key is understanding how much usable equity you actually have and how to structure it the right way. Different lenders assess this differently, which can impact what you can access.

📩 Get in touch or book a free consultation to see how you can make your equity work for you.

30/04/2026

Modern homes are evolving, and renovations are becoming more focused on both function and design. One key feature that often gets overlooked is your roofing choice, which can impact insulation, durability, and overall street appeal.

From terracotta and concrete to steel and slate, each material offers different benefits depending on your needs, budget, and lifestyle. Choosing the right one can make a big difference in both comfort and long term value.

📩 Thinking about your next move? Get in touch for guidance on your property and finance options.

28/04/2026

Not sure whether to go fixed or variable? Here’s a quick breakdown.

Variable rates can go up or down depending on market changes, which means your repayments may change over time. They often come with more flexibility, like extra repayments or offset accounts.

Fixed rates stay the same for a set period, giving you consistent repayments. This can help with budgeting, but usually comes with less flexibility.

There’s also the option to split your loan, combining both to balance stability and flexibility.

📩 Get in touch or book a free consultation to find the right option for you.

27/04/2026

Under clause 3.6 of the REIQ Residential Contract, unpaid rent cannot be adjusted at settlement.
If a tenant is in arrears, the seller cannot pass that amount to the buyer during settlement. Adjustments only happen once the rent is actually paid.

This is something many landlords overlook, and it can affect expectations during the sale process. Knowing this early helps avoid confusion and keeps everything smoother from start to finish.

📩 Have questions about selling a tenanted property? Send us a message or get in touch today.

12/04/2026

Sometimes things don’t go the way we expect and you suddenly need extra funds.

Whether it’s a financial gap, a big life moment, or an unexpected expense, personal loans are a fast and simple way to get the money you need.

If you’re unsure what option is right for you, we can help you find the best fit without the stress.

📩 Visit Cube Personal Loans and book a time for a free chat today
http://cubepersonalloans.com.au/

09/04/2026

Did you know that thousands of serious insurance claims are now linked to mental health conditions? And that number keeps rising.

Here’s what makes it even harder:

• Work time lost due to mental health is significantly higher than physical injuries
• Compensation for mental health claims can be more complicated and stressful
• Proving your condition is work related often adds pressure when you should be focusing on recovery

The last thing you need while dealing with anxiety, depression, or burnout is more paperwork and stress.

That’s where income protection insurance comes in.
It can replace up to 70% of your income if you’re unable to work due to illness or injury, including diagnosed mental health conditions.

Because protecting your peace of mind matters just as much as protecting your finances.

📩 Call us at 1800 774 756 or contact your Cube Broker to connect you with a life insurance expert

07/04/2026

Health Insurance premiums have increased this April. Speak to an expert today to find out how you’re impacted and if you could save money on your cover.

📩 Visit Cube Health Insurance and simply book a time for an expert to call you and set up or compare cover!

https://cubehealthinsurance.com.au/

26/03/2026

Gold cover sounds great. But is it right for you?

It’s the most expensive option, and it may include treatments you don’t even need. You could be paying more without getting real value.

A Silver Plus plan might suit your life better and save you money.

Don’t overpay for the wrong cover. Check your options today.

📩 Book a quick call: https://cubehealthinsurance.com.au/

25/03/2026

We know sorting through life insurance options can feel overwhelming. Finding the right cover for your situation takes time, and not everyone has that.

You don’t have to do it alone.

Protect your family’s financial future with the right support. We make it simple.

📩 Get in touch with your Cube consultant, send us a DM, or email [email protected] and we’ll connect you with a trusted adviser.

12/02/2026

Happy Thursday the 12th!!

29/01/2026

If it feels like your premium keeps going up, you’re not imagining it. And it’s not just insurer profits either.

What’s driving the increase
• Higher repair and labour costs
• More expensive car parts and longer wait times
• Extreme weather events leading to more claims
• Rising reinsurance costs for insurers

While you can’t control all of this, there are ways to avoid overpaying.

Before you renew, it’s worth reviewing your cover, checking what you actually need, and comparing your options. Small changes can lead to real savings.

📩 Reach out to your Cube Broker or email a copy of your car to our team on [email protected] to review your cover and see if there’s a better option for you.

27/01/2026

It’s not just usage — your energy plan matters.

Different tariffs charge electricity based on timing and usage.
If your plan isn’t the right fit, you could be paying more than necessary.

Learn more:
www.cubeconnect.com.au

26/01/2026

“Do I really need a conveyancer when buying property?”

You can do your own conveyancing, but property transactions are complex, and small mistakes can lead to costly legal issues.

A conveyancer helps by:
• Preparing and lodging legal documents
• Checking the property title
• Flagging potential red flags
• Managing settlement and financial adjustments

Buying a property is a major financial decision. Professional guidance can save you time, stress, and money.

Learn more or book a free consultation:
www.cubeconveyancing.com.au

06/09/2025

Happy Father’s Day to all the dads out there!

15/08/2025

We made a meal of it!! (Sort of)

This fish and chip shop needed to replace aging equipment but didn’t want to tie up assets or wait around for a slow approval.

With our help and unsecured finance, they upgraded what they needed without using property as collateral. Equipment funded, doors stayed open, fish fried. Easy!!

Key Facts

Industry = Take Away Food

Requirmement = Purchase Equipment with no 'bank' security

Loan amount = $100K

Annual turnover = $820K

Time in business = 3.5 years

Turnaround (from application to settlement) = 24 hours

So if you or a business owner you know needs an upgrade, get in touch today!

For a business loan you can live with, contact Phillip Knowles - Commercial Finance Broker Cube Loans or your broker from Cube Home Loans on 1800 774 756 or visit

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