Local Finance Guru Pty Ltd

Local Finance Guru Pty Ltd Trusted Finance & home loan specialist since 2018

Fixed and variable home loans each have different features. Fixed rates can provide repayment certainty for a set period...
13/09/2026

Fixed and variable home loans each have different features. Fixed rates can provide repayment certainty for a set period, while variable loans may offer greater flexibility as market rates change.

Understanding the differences can help you choose a loan that aligns with your financial goals.

Book a consultation with us here https://calendly.com/vipul-w-gn

OR Contact us to learn more!
☎️ 0430 411 466
👝 [email protected]
🖱 www.localfinanceguru.com.au

Your borrowing capacity depends on more than just your income. Lenders may consider your expenses, existing debts, credi...
06/09/2026

Your borrowing capacity depends on more than just your income. Lenders may consider your expenses, existing debts, credit history, deposit and overall financial position when assessing a home loan application.

Understanding your borrowing power can help you set a realistic property budget.

Book a consultation with us here https://calendly.com/vipul-w-gn

OR Contact us to learn more!
☎️ 0430 411 466
👝 [email protected]
🖱 www.localfinanceguru.com.au

Your financial situation can change over time, and so can the loan market. A regular home loan review can help you check...
31/08/2026

Your financial situation can change over time, and so can the loan market. A regular home loan review can help you check your interest rate, repayments, fees and loan features to see if your current loan still suits your needs.

Book a consultation with us here https://calendly.com/vipul-w-gn

OR Contact us to learn more!
☎️ 0430 411 466
👝 [email protected]
🖱 www.localfinanceguru.com.au

Despite the 2026 Federal Budget introducing changes to capital gains tax and negative gearing for many investors, Self-M...
23/08/2026

Despite the 2026 Federal Budget introducing changes to capital gains tax and negative gearing for many investors, Self-Managed Super Funds (SMSFs) continue to retain several key advantages.

Here's what to keep an eye on:
✔ Exempt from proposed negative gearing changes for established residential properties.
✔ One-third CGT discount remains for eligible assets held over 12 months.
✔ Limited Recourse Borrowing Arrangements (LRBAs) remain unchanged.
✔ Higher contribution caps from 1 July 2026.

While SMSFs remain well-positioned, proposed tax reforms are still subject to legislation. If you're considering investing through an SMSF or reviewing your current strategy, now is the time to seek professional advice and stay informed.

Book a consultation with us here https://calendly.com/vipul-w-gn

OR Contact us to learn more!
☎️ 0430 411 466
👝 [email protected]
🖱 www.localfinanceguru.com.au

Buying your first property is exciting, but preparation is key.Before you start house hunting, make sure you:✔ Know your...
16/08/2026

Buying your first property is exciting, but preparation is key.

Before you start house hunting, make sure you:
✔ Know your borrowing capacity
✔ Understand your deposit requirements
✔ Check your eligibility for government schemes
✔ Budget for additional costs like stamp duty and legal fees

Getting pre-approval before you begin your search can also give you greater confidence when making an offer.

Book a consultation with us here https://calendly.com/vipul-w-gn

OR Contact us to learn more!
☎️ 0430 411 466
👝 [email protected]
🖱 www.localfinanceguru.com.au

With HSBC announcing the sale of its Australian home and personal loan portfolio to Blackstone-managed funds, with Peppe...
12/08/2026

With HSBC announcing the sale of its Australian home and personal loan portfolio to Blackstone-managed funds, with Pepper Money expected to service these loans after the transition, many borrowers may be wondering what this means for them.

While there's no immediate action required, now is an ideal time to review your home loan and compare what's available in today's market. Refinancing could help you secure a more competitive rate, access better loan features, or ensure your loan still suits your financial goals.

At Local Finance Guru, we'll compare lenders on your behalf and help you explore your options—so you can make an informed decision with confidence.

Book a consultation with us here https://calendly.com/vipul-w-gn

OR Contact us to learn more!
☎️ 0430 411 466
👝 [email protected]
🖱 www.localfinanceguru.com.au

📢 INTEREST RATES ARE STAYING ON HOLDAustralia’s interest rates are staying on hold — giving homeowners, buyers and inves...
11/08/2026

📢 INTEREST RATES ARE STAYING ON HOLD

Australia’s interest rates are staying on hold — giving homeowners, buyers and investors more time to consider their next move.

Whether you’re buying, refinancing or investing, it may be worth reviewing your home loan strategy and understanding your options. 🏠

Contact us to learn more!
☎️ 0430 411 466
👝 [email protected]
🖱 www.localfinanceguru.com.au

While the 2026 Federal Budget introduced significant changes to capital gains tax and negative gearing, SMSFs remain lar...
09/08/2026

While the 2026 Federal Budget introduced significant changes to capital gains tax and negative gearing, SMSFs remain largely unaffected by many of these reforms.

Current rules that remain unchanged include:
✔ The one-third CGT discount on eligible assets
✔ Limited Recourse Borrowing Arrangements (LRBAs)
✔ Contribution cap increases from 1 July 2026
✔ SMSFs remaining exempt from changes to negative gearing on established residential properties

Although these measures are positive for SMSFs, it's important to monitor upcoming legislation as further details are released.

Book a consultation with us here https://calendly.com/vipul-w-gn

OR Contact us to learn more!
☎️ 0430 411 466
👝 [email protected]
🖱 www.localfinanceguru.com.au

If your home loan is with HSBC, recent changes to its Australian retail banking business may be the perfect reminder to ...
05/08/2026

If your home loan is with HSBC, recent changes to its Australian retail banking business may be the perfect reminder to review your mortgage. HSBC has announced it will exit Australian retail banking, with its home loan portfolio set to be acquired by Blackstone-managed funds and serviced by Pepper Money following regulatory approval.

A refinance isn't just about changing lenders—it's about making sure your loan continues to work for you. Whether you're looking for a lower interest rate, better features, or more flexibility, our team can help you compare a wide range of lenders and find a solution tailored to your needs.

Talk to Local Finance Guru today and see if there's a better option for your home loan.

Book a consultation with us here https://calendly.com/vipul-w-gn

OR Contact us to learn more!
☎️ 0430 411 466
👝 [email protected]
🖱 www.localfinanceguru.com.au

Australia added 76,300 new jobs in June, signalling continued strength in the labour market. While strong employment is ...
02/08/2026

Australia added 76,300 new jobs in June, signalling continued strength in the labour market. While strong employment is positive for the economy, it can also influence the Reserve Bank's next interest rate decision.

A resilient jobs market may increase the likelihood of future rate hikes if inflation remains above target.

If you're planning to buy a home, refinance, or invest, now is a great time to review your loan and ensure you're prepared for any future changes in interest rates.

Book a consultation with us here https://calendly.com/vipul-w-gn

OR Contact us to learn more!
☎️ 0430 411 466
👝 [email protected]
🖱 www.localfinanceguru.com.au

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