Harken Finance

01/06/2026

⏱️ Want to cut up to 5 years off your first home deposit saving time? ⏱️⁣
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As property prices head north, saving a traditional 20% deposit can be a serious challenge. ⁣
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But, there may be a short cut for many first home buyers.⁣
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A Domain report reveals the 5% Deposit Scheme can help Sydney first home buyers get into the market up to 5 years and 7 months earlier. 🏡⁣
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For Brisbane and Adelaide first homebuyers, the scheme can cut over four years off the time taken to save a deposit. 📊⁣
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In every other capital, the 5% Deposit Scheme can see first homebuyers bring forward their plans by more than three years. ⏩⁣
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Call us to see if the 5% Deposit Scheme could help you get into the property market sooner. 👇⁣
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To find out more, DM or contact the Harken Finance Team on:

☎️ – 0411 865 959
💻 – [email protected]

28/05/2026

🗞️📰 𝗚𝗲𝗻 𝗭 𝗿𝗮𝗰𝗲𝘀 𝗶𝗻𝘁𝗼 𝘁𝗵𝗲 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗺𝗮𝗿𝗸𝗲𝘁 📰🗞️⁣⁣⁣⁣⁣
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A few tweaks to a popular first home buyer scheme has driven a “surge” in Gen Zs buying their first home. And it’s not the only upside giving first home buyers a boost now. 🚀⁣⁣⁣⁣⁣
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https://www.harkenfinance.com.au/gen-z-races-into-the-property-market/

27/05/2026

🤝 Broker versus bot? It’s no contest 🤝⁣
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The person-to-person support of a mortgage broker eclipses anything an AI bot can dish up. 🤖⁣
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That’s the finding of Great Southern Bank research. 📊⁣
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It confirms 7-in-10 Australians say guidance from mortgage brokers is more valuable than AI-generated advice. 📈⁣
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Financial decisions like buying a home are long term and complex. 🏡⁣
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That’s why we stay in touch to see how your home loan is shaping up. 📞⁣
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Try saying that about a bot. 😅⁣
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Talk to us for human advice on the home loan that works best for you. 👇⁣
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To find out more, DM or contact the Harken Finance Team on:

☎️ – 0411 865 959
💻 – [email protected]

25/05/2026

📄 Could your home loan pre-approval be out of date? 📄⁣
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Mortgage pre-approval can potentially be an advantageous move for home buyers. 🏡⁣
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But recent rate hikes could leave your pre-approval in need of an update. ⁣
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Not only does pre-approval have a limited time span, usually 3–6 months, but it can also be impacted by rising rates. ⏱️⁣
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Canstar says just one 0.25% rate cut can reduce a single home buyer’s borrowing power by $12,000. ⁣
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That means a couple's borrowing power could have been reduced by more than $72,000 since the three cash rate hikes earlier this year. ⚠️⁣
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The last thing you need is to discover you can’t finance the place you want to buy because of higher rates. ⁣
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Talk to us to bring your loan pre-approval up to date - and potentially find ways to improve your borrowing power. 👇⁣
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To find out more, DM or contact the Harken Finance Team on:

☎️ – 0411 865 959
💻 – [email protected]

21/05/2026

🗞️📰 𝗛𝗼𝗺𝗲 𝗹𝗼𝗮𝗻 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗿𝗮𝘁𝗲 𝗿𝗶𝘀𝗶𝗻𝗴? 𝗧𝗵𝗲𝗿𝗲 𝗺𝗮𝘆 𝗯𝗲 𝗼𝘁𝗵𝗲𝗿 𝗼𝗽𝘁𝗶𝗼𝗻𝘀 📰🗞️⁣⁣⁣⁣
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It was great while it lasted, but the rate cut party is well and truly over. Today we look at how you could potentially reduce your home loan interest rate without relying on the Reserve Bank. 🏡⁣⁣⁣⁣
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https://www.harkenfinance.com.au/home-loan-interest-rate-rising-there-may-be-other-options/

20/05/2026

📈 Is buying an investment property earlier the key to building wealth? 📈⁣
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Regrets? One-in-three Aussie investors say they regret not investing earlier. 😬⁣
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And perhaps for good reason...⁣
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Finder research shows people who started investing in their 30s are 46% wealthier than those who waited until their 40s.⁣
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That’s because investment returns can compound over time. 🔄⁣
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Just look at property: 45% gains in the last five years alone! ⁣
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And while past performance is not an indication of future performance, historically speaking, the national property market has delivered consistent long-term growth.🏡⁣
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Of course, with all things investment related, please seek independent financial advice to consider all your options.⁣
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But if you do decide to invest in property, consider contacting us to explore your investment loan options. 👇⁣
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To find out more, DM or contact the Harken Finance Team on:

☎️ – 0411 865 959
💻 – [email protected]

18/05/2026

🏡 How much do you really need to buy a first home? 🏡⁣
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Long gone are the days when you needed to save up a full 20% deposit (plus extra for other expenses!).⁣
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These days, you could need a deposit of just 5%, or even 2% if you’re a single parent, to buy a first home. 💰⁣
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For a $700,000 first home, a 5% deposit is $35,000.⁣
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Better yet, you may also be eligible for stamp duty exemptions/concessions or first home buyer grants.⁣
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Don’t forget to factor in other upfront expenses though. ⚠️⁣
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Legal fees, home insurance, stamp duty, and furniture removalists can all add up. 📦⁣
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Need help crunching the numbers and figuring out how much you could borrow? That's our specialty. 👇⁣
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To find out more, DM or contact the Harken Finance Team on:

☎️ – 0411 865 959
💻 – [email protected]

14/05/2026

Reforms to negative gearing and capital gains tax have been unveiled in the latest national budget. Here’s what they could mean for investors, first home buyers and home owners. 🏘️

We are expert mortgage brokers. We'll help find the best home loan or investment property loan to suit your situation. We have 100s of loans to select.

13/05/2026

13/05/2026

🔁 A record number of Australians just refinanced their home loan 🔁

Looks like Australia is in the midst of a refinancing frenzy.

The ABS says over 640,000 homeowners refinanced their home loan last year.

That’s 73 loans refinanced every hour. ⏱️

Goes to show Aussie home owners are keeping their eyes on the ball when it comes to getting value out of their home loan.

It’s also a cue to check in with us to see if your old loan still suits your needs.

We’ll let you know if you could potentially save with a lower rate or improved loan features. 👇

To find out more, DM or contact the Harken Finance Team on:

☎️ – 0411 865 959
💻 – [email protected]