Kathy Liu Financial Services

08/06/2026

💰 What is the average first home buyer deposit? 💰⁣
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Buying a home to live in? ⁣
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The average home deposit is $173,000 according to Money.com.au. 🏡⁣
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That’s a big chunk of cash. ⁣
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Not surprisingly, it takes first home buyers 10 years on average to save a 20% deposit, based on analysis by ANZ and CoreLogic. ⏱️⁣
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But why wait that long? 🤔⁣
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The 5% Deposit Scheme could help you fast track your home buying plans. ⁣
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It lets you buy with 5% deposit and avoid the cost of lenders mortgage insurance. 🏠⁣
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Interested? Get in touch and we'll help you find out if you're eligible.👇⁣
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To find out more, DM us or contact Kathy Liu Financial Services on:

☎️ – 0452 518 991
💻 – [email protected]

04/06/2026

House price growth is slowing but experts say not to expect a crash. We look at what’s changed, and why today’s market may offer good opportunities for homebuyers. 🏡

House price growth is slowing but experts say not to expect a crash. We look at what’s changed, and why today’s market may offer good opportunities for homebuyers.Recent home price data from Cotality may be just what homebuyers have been waiting for.The latest figures show zero (0%) increase in ...

03/06/2026

📢 Why 77% of borrowers use a broker for a helping hand 📢 ⁣
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Not sure if your bank is acting in your best interests when it comes to your home loan?⁣
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Home buyers are increasingly seeking the expert guidance of a broker to navigate the complexity of the lending landscape and proceed with confidence, says peak broker body the MFAA.⁣
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In fact, over the past 6 months, 97% of brokers helped their clients secure a rate saving on their loan, says the MFAA. ⁣
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Whether you're looking to buy, or want to refinance to a potentially lower rate, we'll help you find a lender and loan that genuinely fits your needs. 🎯⁣
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Call us to discover the broker difference. 👇⁣

To find out more, DM us or contact Kathy Liu Financial Services on:

☎️ – 0452 518 991
💻 – [email protected]

01/06/2026

🏡 Granny flat boom fuels demand for renovation loans 🏡⁣
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The Aussie backyard is undergoing a makeover. ⁣
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NAB says demand for renovation loans jumped 21% last year. 📈⁣
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And it’s primarily being driven by homeowners planning to install a granny flat. ⁣
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A granny flat can provide extra space, be a source of rental income, or potentially add value to your home. 💰⁣
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But they don’t always come cheap. ⁣
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You could be looking at anywhere from $80,000-$160,000. ⁣
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The good news? 💡⁣
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Your home equity can be a source of funding. ⁣
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Talk to us about financing a granny flat in your backyard. 👇⁣
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To find out more, DM us or contact Kathy Liu Financial Services on:

☎️ – 0452 518 991
💻 – [email protected]

28/05/2026

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. 🚀

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.The expansion of the popular 5% Deposit Scheme, combined with recent changes to rules for property investors, may be openi...

27/05/2026

💰 How much do you need to earn to buy a home? 💰⁣
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Domain recently looked at the income needed to buy a home, assuming a 20% deposit. ⁣
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It found a solo buyer needs an annual income from $232,000 to buy in Sydney, or $111,000 to buy in Darwin. 🏡⁣
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For couples, each person may need to earn $121,000 in Sydney, or just $68,000 for more affordable capitals. ⁣
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The catch is these were figures for houses. ⁣
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Apartments may require a lower income. 🏢⁣
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What matters is that you talk to us. ⁣
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We can explain your borrowing power across different lenders based on your situation. 👇⁣
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To find out more, DM us or contact Kathy Liu Financial Services on:

☎️ – 0452 518 991
💻 – [email protected]

25/05/2026

🏢 Unit versus house, what's your preference? 🏡⁣
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Two of the main advantages of apartments are low-maintenance lifestyle and greater affordability. ⁣
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Houses and their associated land, on the otherhand, usually provide greater capital gains, according to Cotality data. ⁣
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But you've got to start somewhere...⁣
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The median unit price across state capitals is $749,446. 📊⁣
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That’s 34% less than the median house price of $1,140,454. 🏡⁣
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The $391,000 price difference could help you bring forward your home buying plans. ⏩⁣
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And if you’re a first home buyer, you may only need a 5% deposit to get started. 👇⁣
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To find out more, DM us or contact Kathy Liu Financial Services on:

☎️ – 0452 518 991
💻 – [email protected]

21/05/2026

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. 🏡

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.A string of rate hikes this year has pushed the cash rate back up to 4.35% – exactly where it was at the s...

20/05/2026

🐜 Pre-purchase pest inspections may have just became more important 🐜⁣
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Across large parts of Australia the end of summer was hot and humid.⁣
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Perfect conditions for termites.⁣
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A Domain report reveals a 30% uptick in termite-related calls to pest companies. 📈⁣
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Getting rid of termites can be expensive. ⁣
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And the damage they leave behind may not be covered by insurance. ⚠️⁣
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For homebuyers, this highlights the value of a pre-purchase pest inspection, which can cost just upwards of $150. ⁣
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Or get a combined pest and building inspection to cover both bases. 🧾⁣
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Contact us to learn more about the steps you should consider when buying a home. 👇⁣
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To find out more, DM us or contact Kathy Liu Financial Services on:

☎️ – 0452 518 991
💻 – [email protected]

18/05/2026

📉 Rate hikes have reshaped home owner plans 📉⁣
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Higher rates are seeing many Australian families knuckle down to pay off their home loan sooner. 💪⁣
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Research by Agile Market Intelligence shows 72% of mortgage holders now say debt reduction is their main financial goal. ⁣
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If you’re keen to double down on your home loan, talk to us. ⁣
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We can explain small steps that could potentially make a big difference. ⁣
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Or ask us about a home loan health check. 🩺⁣
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Potentially switching to a lower rate home loan could be a way to get ahead with your mortgage. 👇⁣
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To find out more, DM us or contact Kathy Liu Financial Services on:

☎️ – 0452 518 991
💻 – [email protected]