VMX Finance Concierge

20/05/2026

With interest rates climbing, your offset account is no longer just a "rainy day" fund—it is one of the most effective financial tools at your disposal.

08/05/2026

Fuel costs are rising fast – and the Australian Taxation Office (ATO) is giving businesses a short-term buffer.

For the period 1 April to 30 June 2026, the ATO will provide targeted support to eligible businesses that are struggling to meet their tax obligations.

What support looks like

The ATO has outlined three main options:
Flexible payment plans – including longer terms, no upfront payment and potential general interest charge remission.
Penalty relief – with high fuel costs considered when reviewing requests for remission.
PAYG instalment changes – where income has fallen.
The ATO has also said it will take a more flexible, case-by-case approach during this period.

Where this helps – and where it doesn’t

This support can help ease short-term pressure – but it’s not a long-term fix.

Tax debts still need to be managed, and cash flow gaps can build quickly if costs stay elevated.

Some businesses are using this window to:
Stabilise cash flow.
Review upcoming liabilities.
Put more structured funding in place.
The key is acting early rather than waiting until pressure builds.

If rising costs are starting to affect your cash flow, get in touch and we can talk through funding options to help bridge the gap.

Visit our website to learn how we can help turn your financial vision into reality.

26/03/2026

https://vmxfc.com/insights/f/high-debt-lending-now-capped

New debt-to-income (DTI) limits have taken effect as of 1 February, creating a guardrail around the riskiest home loans.

22/03/2026

Last year, I started a section on my website, VMX Living, where I share my passion for living well beyond finance. One topic I’ve wanted to put together for a while is “10 Rules to Follow Before You Sign.”

After hearing Louis from TNS Lawyers speak recently, I finally pushed myself to complete it. I’ve been meeting many first-home buyers and first-time commercial investors who could benefit from some fundamental guidance, so I hope this helps.

Have a read through this and the others I’ve written with various specialists — hope they’re of interest to you!

Your Trusted Finance Broker

17/03/2026

If vehicles are critical to your business, ownership costs just became clearer.

The federal review of the Motor Vehicle Service and Repair Information Sharing Scheme confirmed that independent repairers will continue to access manufacturer service data.

This keeps competition in the repair market alive.

For business owners, that supports:

• Competitive maintenance pricing
• Lower downtime risk
• More predictable resale values
• Stronger secondary markets

Lenders assess asset risk across the full lifecycle, not just the purchase price.

Which is why finance structure often matters more than rate.

Vehicle finance should reflect:
• Your real replacement cycle
• Seasonal income patterns
• Realistic resale expectations

The lowest rate is not always the smartest structure.

If you're planning vehicle or fleet upgrades this year, it’s worth aligning your replacement cycle with lender policy so you’re not caught between asset issues and funding constraints later.

Connect with us today!

26/02/2026

There’s finally some positive news for borrowers.

After a tough stretch for household budgets, recent research from Roy Morgan shows mortgage stress has eased to its lowest level since January 2023 — a sign many households are starting to regain some breathing room.

That said, it’s still worth planning ahead.
Building a buffer into your loan can help protect you if:

Interest rates shift
Living expenses increase
Income changes

If you’re buying this year, don’t just assess repayments at today’s rate.
A more resilient approach is to ask: Would this still work if conditions changed?

If you already have a loan and cash flow feels tight, there are options:

- Refinancing to reduce your rate or improve flexibility
- Restructuring your loan (term, repayment type, offset)
- Consolidating higher-interest debts to free up cash flow

Plenty of people experience cash flow pressure at times — it’s more common than you think.
The key is acting early, while you still have options.

15/02/2026

A journey towards financial success awaits at vmxfc.com. Tailored solutions are just a click away, guiding you to make informed financial decisions that align with your goals.

28/01/2026

A Closer Look at Loan Differences

15/01/2026

Achieve your financial dreams for 2026 by sharing your top goal with us! Let’s create a supportive community where aspirations turn into reality together.

02/01/2026

Explore tailored financing solutions that elevate your lifestyle and empower your financial journey. Discover how personalized options can help you achieve your dreams and secure a brighter future today.