Finance People

13/05/2026

13/05/2026

For property investors, the message from the Budget is simple: new builds still matter. While future established-property purchases face tighter negative gearing treatment from 1 July 2027, eligible new builds remain in a more favourable position and existing holdings are grandfathered.

25/03/2026

https://financepeople.com.au/refinancing/

16/02/2026

Send us a message or complete our Enquiry Form for a call back to discuss https://share.hsforms.com/1O24GSDRcSk2CTrRnJAmqsQdetul

11/02/2026

If your SMSF loan hasn’t been reviewed in the last 12 months, you could be paying more than you need to—especially with new and updated SMSF loan options now available from specialist lenders.

A review can help you confirm whether you may be able to:

Reduce your interest rate and improve your SMSF cash flow.

Lower ongoing costs (where applicable) and improve the net return of the property investment.

Ensure your current loan structure is still appropriate for your fund’s strategy and retirement timeline.

Avoid “silent” value leakage from an outdated product (higher rates, less flexible features, or lender policy changes).

If it turns out your current loan is already competitive, you’ll still gain peace of mind knowing your fund is positioned well.

03/02/2026

Has your SMSF loan been reviewed in the last 12 months?

With new specialist SMSF lending options in the market, a “set and forget” rate could be costing your fund more than it should. Every dollar saved on interest is a dollar that stays in super—working harder for your retirement.

Want us to run the numbers and tell you if it’s worth switching (or confirm you’re already in a great deal)?

Message us here to book your complimentary SMSF Health Check.

27/01/2026

When was the last time you reviewed the interest rate on your Self Managed Superannuation Fund (SMSF) loan?

If it has been more than 12 months, there is a high probability that your fund is paying more than it needs to.

The SMSF lending landscape has evolved significantly over the last year. While many major banks stepped away from this space in the past, a wave of specialist lenders has entered the market with highly competitive products. Unfortunately, many trustees "set and forget" their loans, missing out on new opportunities to maximize their fund's performance.

At Finance People, we have access to new loan options that could unlock significant savings for your portfolio.

Why you should review your SMSF loan now:
Rate Reduction: Interest rates between lenders can vary drastically. Refinancing to a lower rate instantly improves the cash flow within your fund.

Improved LVRs: New products may offer more flexible Loan-to-Value Ratios, potentially allowing you to unlock equity for further investment.

Better Cash Flow: Lower repayments mean more capital remains in your super environment to compound for your retirement.

Reviewing Structure: Ensure your current loan structure still aligns with your retirement timeline and investment strategy.

The cost of doing nothing
Holding onto an outdated SMSF loan product could be eroding your investment returns by thousands of dollars annually.

We are offering a complimentary SMSF Health Check to review your current lending arrangement against the new options available in the market. It is a quick process that ensures your retirement savings are working as hard as you do.

Ready to see if you can save?

Simply message or call us to schedule a brief 10-minute review.

20/01/2026

In finance, we often talk about the "cost of inaction."

Right now, if you are holding a balance on a credit card or a store card from the holiday season, you are likely paying an interest rate of anywhere between 15% and 24%.

Every month that balance sits there, it is eating into your household income.

The Logic Check:
If you have equity in your home, leaving that debt on a high-interest card instead of consolidating it into a lower-rate home loan is a voluntary choice to pay the bank more than you need to.

We aren't suggesting you stretch a $5,000 credit card debt over a 30-year loan term (that’s a common trap!). Instead, we help clients structure it so the debt is moved to a lower rate but paid off aggressively—often clearing the debt faster than they would have on the credit card, but with much less stress on the weekly budget.

Let’s stop the interest bleed.

If you want to see a side-by-side comparison of what you are paying now versus what you could be paying, let’s chat.

Enjoy the rest of your week.

The Team at Finance People
www.financepeople.com.au