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HyperX Finance, Collins Street, Melbourne (2026)

20/05/2026

📢 𝐈𝐦𝐩𝐨𝐫𝐭𝐚𝐧𝐭 𝐔𝐩𝐝𝐚𝐭𝐞 𝐟𝐨𝐫 𝐏𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐈𝐧𝐯𝐞𝐬𝐭𝐨𝐫𝐬

If you're considering purchasing an investment property, it's important to understand how the Federal Government’s proposed changes to negative gearing may affect your borrowing capacity.

While these changes have not yet been passed into law, lenders are encouraging borrowers to plan ahead and be aware of the potential impact on future serviceability.

🏠 We will confirm whether your investment property is established or newly built.

📉 If negative gearing benefits are removed for established properties, your borrowing capacity may be reduced.

💬 We will discuss any potential serviceability shortfalls early so you can make informed decisions.

📝 It's important to have a plan in place if your financial position change.

📊 Future tax benefits are not guaranteed, so we recommend seeking advice from your accountant or tax adviser.

Understanding these potential changes now can help you make smarter investment decisions and avoid surprises later.

18/05/2026

💡With 30 June fast approaching, many businesses are considering equipment purchases to take advantage of the instant asset write-off.

But rushing into a purchase can cost your business more than it saves.

Before you buy, consider these:

✅𝐃𝐨 𝐈 𝐫𝐞𝐚𝐥𝐥𝐲 𝐧𝐞𝐞𝐝 𝐭𝐡𝐢𝐬 𝐞𝐪𝐮𝐢𝐩𝐦𝐞𝐧𝐭 𝐫𝐢𝐠𝐡𝐭 𝐧𝐨𝐰?
A tax deduction helps, but it doesn't eliminate the cost of the asset.

The most effective EOFY purchases are assets that improves productivity, replaces worn-out equipment, or helps the business grow.

✅𝐃𝐨𝐞𝐬 𝐢𝐭 𝐪𝐮𝐚𝐥𝐢𝐟𝐲 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐢𝐧𝐬𝐭𝐚𝐧𝐭 𝐚𝐬𝐬𝐞𝐭 𝐰𝐫𝐢𝐭𝐞-𝐨𝐟𝐟?
The instant asset write-off is available to small businesses with turnover under $10 million, for eligible assets costing less than $20,000 each.

The threshold applies per asset, so multiple qualifying purchases may be claimed.
However, if a single asset costs $20,000 or more, it cannot be written off immediately and instead goes into the small business depreciation pool.

This temporary threshold is available until 30 June 2026 and is scheduled to drop to $1,000 from 1 July 2026 unless extended by Parliament.

Always check with your accountant before making a purchase.

✅𝐖𝐢𝐥𝐥 𝐭𝐡𝐞 𝐚𝐬𝐬𝐞𝐭 𝐛𝐞 𝐢𝐧𝐬𝐭𝐚𝐥𝐥𝐞𝐝 𝐚𝐧𝐝 𝐫𝐞𝐚𝐝𝐲 𝐟𝐨𝐫 𝐮𝐬𝐞 𝐛𝐞𝐟𝐨𝐫𝐞 𝟑𝟎 𝐉𝐮𝐧𝐞?
This is one of the most commonly overlooked.
Ordering or paying is not enough - the asset must be operational by EOFY to qualify.

✅ 𝐒𝐡𝐨𝐮𝐥𝐝 𝐢 𝐩𝐚𝐲 𝐜𝐚𝐬𝐡 𝐨𝐫 𝐮𝐬𝐞 𝐞𝐪𝐮𝐢𝐩𝐦𝐞𝐧𝐭 𝐟𝐢𝐧𝐚𝐧𝐜𝐞?
Using cash for a large purchase can strain working capital. Equipment finance can help preserve your cash flow for day-to-day operations while still securing the asset.

13/05/2026

The Government is proposing major tax changes, all in the name of young aspiring homeowners.

However, many young Australians are already taking proactive steps to build wealth through investing in shares and property.

These changes to Capital Gain Tax (CGT) may reduce investment returns, slow their ability to save, and make the journey toward home ownership longer and more challenging.

24/03/2026

💡 𝐎𝐟𝐟𝐬𝐞𝐭 𝐀𝐜𝐜𝐨𝐮𝐧𝐭 – 𝐘𝐨𝐮 𝐡𝐞𝐚𝐫 𝐚𝐛𝐨𝐮𝐭 𝐢𝐭 𝐚𝐥𝐥 𝐭𝐡𝐞 𝐭𝐢𝐦𝐞… 𝐛𝐮𝐭 𝐡𝐨𝐰 𝐝𝐨𝐞𝐬 𝐢𝐭 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐰𝐨𝐫𝐤?

𝘖𝘧𝘧𝘴𝘦𝘵 𝘥𝘰𝘦𝘴𝘯’𝘵 𝘤𝘩𝘢𝘯𝘨𝘦 𝘺𝘰𝘶𝘳 𝘳𝘦𝘱𝘢𝘺𝘮𝘦𝘯𝘵 - 𝘪𝘵 𝘤𝘩𝘢𝘯𝘨𝘦𝘴 𝘩𝘰𝘸 𝘩𝘢𝘳𝘥 𝘺𝘰𝘶𝘳 𝘮𝘰𝘯𝘦𝘺 𝘸𝘰𝘳𝘬𝘴 𝘧𝘰𝘳 𝘺𝘰𝘶.

Let’s break it down with a real example:

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🏡 𝐒𝐜𝐞𝐧𝐚𝐫𝐢𝐨 𝟏: 𝐍𝐨 𝐎𝐟𝐟𝐬𝐞𝐭 𝐀𝐜𝐜𝐨𝐮𝐧𝐭
Loan: $500,000
Rate: 6% p.a.
Repayment (P&I): $2,998/month

📊 𝐅𝐢𝐫𝐬𝐭 𝐦𝐨𝐧𝐭𝐡:
• Interest: $2,500
• Principal: $498

➡️ Only a small portion actually reduces your loan

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🏡𝐒𝐜𝐞𝐧𝐚𝐫𝐢𝐨 𝟐: 𝐖𝐢𝐭𝐡 $𝟓𝟎,𝟎𝟎𝟎 𝐢𝐧 𝐎𝐟𝐟𝐬𝐞𝐭
Loan: $500,000
Rate: 6% p.a.
Repayment (P&I): $2,998/month (𝘴𝘢𝘮𝘦 𝘳𝘦𝘱𝘢𝘺𝘮𝘦𝘯𝘵)

📊 𝐅𝐢𝐫𝐬𝐭 𝐦𝐨𝐧𝐭𝐡:
• Interest: $2,250
• Principal: $748

🔥 𝐓𝐡𝐚𝐭’𝐬 𝐚𝐧 𝐞𝐱𝐭𝐫𝐚 $𝟐𝟓𝟎 𝐠𝐨𝐢𝐧𝐠 𝐭𝐨𝐰𝐚𝐫𝐝 𝐲𝐨𝐮𝐫 𝐥𝐨𝐚𝐧 𝐩𝐫𝐢𝐧𝐜𝐢𝐩𝐚𝐥 𝐢𝐧 𝐣𝐮𝐬𝐭 𝐦𝐨𝐧𝐭𝐡 𝐨𝐧𝐞!

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📈 𝘉𝘦𝘤𝘢𝘶𝘴𝘦 𝘪𝘯𝘵𝘦𝘳𝘦𝘴𝘵 𝘪𝘴 𝘤𝘢𝘭𝘤𝘶𝘭𝘢𝘵𝘦𝘥 𝘥𝘢𝘪𝘭𝘺, 𝘵𝘩𝘦 𝘮𝘰𝘳𝘦 𝘮𝘰𝘯𝘦𝘺 𝘺𝘰𝘶 𝘬𝘦𝘦𝘱 𝘪𝘯 𝘺𝘰𝘶𝘳 𝘰𝘧𝘧𝘴𝘦𝘵 𝘢𝘤𝘤𝘰𝘶𝘯𝘵 - 𝘢𝘯𝘥 𝘵𝘩𝘦 𝘭𝘰𝘯𝘨𝘦𝘳 𝘵𝘩𝘦𝘺 𝘴𝘵𝘢𝘺 𝘵𝘩𝘦𝘳𝘦 - 𝘵𝘩𝘦 𝘮𝘰𝘳𝘦 𝘪𝘯𝘵𝘦𝘳𝘦𝘴𝘵 𝘺𝘰𝘶 𝘴𝘢𝘷𝘦.

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⚖️ 𝘔𝘰𝘴𝘵 𝘭𝘦𝘯𝘥𝘦𝘳𝘴 𝘥𝘰𝘯’𝘵 𝘰𝘧𝘧𝘦𝘳 𝘧𝘶𝘭𝘭 𝘰𝘧𝘧𝘴𝘦𝘵 𝘢𝘤𝘤𝘰𝘶𝘯𝘵𝘴 𝘰𝘯 𝘧𝘪𝘹𝘦𝘥-𝘳𝘢𝘵𝘦 𝘭𝘰𝘢𝘯𝘴.
𝘛𝘩𝘢𝘵’𝘴 𝘸𝘩𝘺 𝘮𝘢𝘯𝘺 𝘣𝘰𝘳𝘳𝘰𝘸𝘦𝘳𝘴 𝘤𝘩𝘰𝘰𝘴𝘦 𝘷𝘢𝘳𝘪𝘢𝘣𝘭𝘦 𝘳𝘢𝘵𝘦𝘴 𝘸𝘪𝘵𝘩 𝘰𝘧𝘧𝘴𝘦𝘵 — 𝘯𝘰𝘵 𝘫𝘶𝘴𝘵 𝘧𝘰𝘳 𝘧𝘭𝘦𝘹𝘪𝘣𝘪𝘭𝘪𝘵𝘺, 𝘣𝘶𝘵 𝘧𝘰𝘳 𝘵𝘩𝘦 𝘭𝘰𝘯𝘨-𝘵𝘦𝘳𝘮 𝘪𝘯𝘵𝘦𝘳𝘦𝘴𝘵 𝘴𝘢𝘷𝘪𝘯𝘨𝘴.

💬 𝖲𝗈 𝗂𝖿 𝗒𝗈𝗎 𝖽𝗂𝖽𝗇’𝗍 𝗅𝗈𝖼𝗄 𝗂𝗇 𝖺 𝖿𝗂𝗑𝖾𝖽 𝗋𝖺𝗍𝖾 𝖾𝖺𝗋𝗅𝗂𝖾𝗋 𝗈𝗋 𝗒𝗈𝗎’𝗋𝖾 𝗌𝖾𝖾𝗂𝗇𝗀 𝗏𝖺𝗋𝗂𝖺𝖻𝗅𝖾 𝗋𝖺𝗍𝖾𝗌 𝗂𝗇𝖼𝗋𝖾𝖺𝗌𝖾 — DON'T PANIC.

👉 A variable loan with an offset account can still be 𝐚 𝐩𝐨𝐰𝐞𝐫𝐟𝐮𝐥 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐲 𝐭𝐨 𝐫𝐞𝐝𝐮𝐜𝐞 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐚𝐧𝐝 𝐩𝐚𝐲 𝐨𝐟𝐟 𝐲𝐨𝐮𝐫 𝐥𝐨𝐚𝐧 𝐟𝐚𝐬𝐭𝐞𝐫.

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17/03/2026

In 𝟐𝟎𝟐𝟒, the cash rate held steady at 𝟒.𝟑𝟓%.

In 𝟐𝟎𝟐𝟓, we saw consecutive rate cuts throughout the year, bringing the cash rate down to 𝟑.𝟔%.

Fast forward to 𝟐𝟎𝟐𝟔, rates are rising again, bringing it to 𝟒.𝟏%.

🔮 𝑾𝒊𝒍𝒍 𝒓𝒂𝒕𝒆𝒔 𝒈𝒐 𝒖𝒑 𝒂𝒈𝒂𝒊𝒏?

Major banks and economists are already predicting 𝐚𝐧𝐨𝐭𝐡𝐞𝐫 𝟎.𝟐𝟓% 𝐢𝐧𝐜𝐫𝐞𝐚𝐬𝐞 (possibly in May)

Some forecasts suggest rates could reach around 𝟒.𝟑𝟓% 𝐨𝐫 𝐡𝐢𝐠𝐡𝐞𝐫 𝐝𝐮𝐫𝐢𝐧𝐠 𝟐𝟎𝟐𝟔

27/02/2026

𝐀𝐔𝐒𝐓𝐑𝐀𝐋𝐈𝐀𝐍 𝐂𝐎𝐌𝐌𝐄𝐑𝐂𝐈𝐀𝐋 𝐏𝐑𝐎𝐏𝐄𝐑𝐓𝐘 𝐌𝐀𝐑𝐊𝐄𝐓 𝐒𝐇𝐎𝐖𝐒 𝐒𝐓𝐑𝐎𝐍𝐆 𝐑𝐄𝐂𝐎𝐕𝐄𝐑𝐘 𝐒𝐈𝐆𝐍𝐒

Australia's commercial property market is showing clear signs of recovery after a period of recalibration, with foreign capital returning, pricing stabilising and investor confidence improving.

According to Trilogy Funds’ Laurence Parisi, the second half of 2025 marked a major turning point: "Foreign capital has been a major driver of this resurgence, injecting $7.4 billion into Australian commercial property this year, with $2.9 billion flowing into industrial assets alone"

📍 𝐐𝐮𝐞𝐞𝐧𝐬𝐥𝐚𝐧𝐝 𝐜𝐚𝐩𝐭𝐮𝐫𝐞𝐝 ~𝟐𝟎% 𝐨𝐟 𝐢𝐧𝐟𝐥𝐨𝐰𝐬,, emerging as a standout performer.
📍 𝐕𝐢𝐜𝐭𝐨𝐫𝐢𝐚’𝐬 𝐬𝐡𝐚𝐫𝐞 𝐝𝐞𝐜𝐥𝐢𝐧𝐞𝐝, impacted by rising taxes and holding costs.

Australia continues to be viewed globally as a 𝐬𝐚𝐟𝐞 𝐡𝐚𝐯𝐞𝐧 𝐟𝐨𝐫 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭, and this trend is expected to carry into 2026.

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🏭 𝐈𝐧𝐝𝐮𝐬𝐭𝐫𝐢𝐚𝐥 𝐒𝐞𝐜𝐭𝐨𝐫 𝐋𝐞𝐚𝐝𝐢𝐧𝐠 𝐭𝐡𝐞 𝐑𝐞𝐜𝐨𝐯𝐞𝐫𝐲

Industrial property remains one of the most resilient asset classes.

• Prime industrial yields have begun compressing, averaging around 𝟓.𝟕% 𝐧𝐚𝐭𝐢𝐨𝐧𝐚𝐥𝐥𝐲
• Sydney & Brisbane are leading the recovery
• Melbourne remains softer amid policy headwinds

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📦𝐄-𝐂𝐨𝐦𝐦𝐞𝐫𝐜𝐞 𝐃𝐫𝐢𝐯𝐢𝐧𝐠 𝐋𝐨𝐧𝐠-𝐓𝐞𝐫𝐦 𝐃𝐞𝐦𝐚𝐧𝐝

e-commerce continues to be a structural demand engine for industrial property.

• Online sales now account for 𝟏𝟒% 𝐨𝐟 𝐭𝐨𝐭𝐚𝐥 𝐫𝐞𝐭𝐚𝐢𝐥 𝐬𝐚𝐥𝐞𝐬 (back to pandemic highs)
• Forecast to reach ~𝟏𝟕% 𝐛𝐲 𝟐𝟎𝟐𝟗
• Expected to require 𝟏.𝟕–𝟏.𝟖 𝐦𝐢𝐥𝐥𝐢𝐨𝐧 𝐬𝐪𝐦 𝐨𝐟 𝐚𝐝𝐝𝐢𝐭𝐢𝐨𝐧𝐚𝐥 𝐥𝐨𝐠𝐢𝐬𝐭𝐢𝐜𝐬 𝐬𝐩𝐚𝐜𝐞 over the next five years

Transport, logistics, and retail trade tenants remain the strongest contributors to leasing activity.

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🔎 𝐋𝐨𝐨𝐤𝐢𝐧𝐠 𝐀𝐡𝐞𝐚𝐝 𝐭𝐨 𝟐𝟎𝟐𝟔

While risks remain — including policy costs and global volatility — the fundamentals point toward continued opportunity for investors focused on:

✅ Quality assets
✅ Strong locations
✅ Long-term resilience

Strategic positioning now could make a meaningful difference over the next cycle

25/02/2026

What a wonderful way to begin the year🧧 - helping our clients step confidently into their next chapter with their $𝟏.𝟓𝐌 𝐝𝐫𝐞𝐚𝐦 𝐡𝐨𝐦𝐞 secured. Yes - another smooth bridging loan success story! 🎆🎆

Buying before selling can feel stressful – but with the right structure, strategy, and lender selection, it doesn’t have to be.

The Year of the Horse is all about strength, momentum, and moving forward — and this one definitely sets the tone! 🐎✨

03/02/2026

The Reserve Bank has raised the cash rate to 3.85%.

15/01/2026

The core purpose of a trust is asset protection

05/12/2025

🚗💡 𝐂𝐀𝐍 𝐈 𝐏𝐀𝐘 𝐎𝐔𝐓 𝐌𝐘 𝐂𝐀𝐑 𝐋𝐎𝐀𝐍 𝐄𝐀𝐑𝐋𝐘 — 𝐀𝐍𝐃 𝐒𝐇𝐎𝐔𝐋𝐃 𝐈 ?

Paying off your car loan early sounds like a smart money move… but is it always the right decision? 🤔
Yes — most Australian car loans can be repaid ahead of schedule, but there are a few things to consider:

• Break fees (common with fixed-rate loans)

• Discharge or early exit fees

• Admin charges

• Balloon payout amounts (if your loan has one)

Always check your loan contract or ask your lender for a 𝐩𝐚𝐲𝐨𝐮𝐭 𝐟𝐢𝐠𝐮𝐫𝐞 so you understand the total cost.

✅ PROS OF PAYING OFF YOUR CAR LOAN EARLY

💰 𝐒𝐚𝐯𝐞 𝐨𝐧 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭
Interest is calculated daily — the sooner you reduce that balance, the less interest you'll pay, thus saving you money over the life of the loan.

📈 𝐈𝐦𝐩𝐫𝐨𝐯𝐞𝐝 𝐜𝐚𝐬𝐡 𝐟𝐥𝐨𝐰
Once the loan is gone, that monthly repayment disappears from your budget. Freeing up money for savings, investments, or other goals.

🛡️ 𝐀𝐯𝐨𝐢𝐝 𝐧𝐞𝐠𝐚𝐭𝐢𝐯𝐞 𝐞𝐪𝐮𝐢𝐭𝐲
Cars lose value fast. Paying it down early reduces the risk of owing more than the car is worth.

🔑 𝐅𝐮𝐥𝐥 𝐨𝐰𝐧𝐞𝐫𝐬𝐡𝐢𝐩
You gain complete ownership sooner, making it easier to sell or upgrade later.

⚠️ CONS OF PAYING IT OUT EARLY

💸 𝐁𝐫𝐞𝐚𝐤 𝐨𝐫 𝐞𝐱𝐢𝐭 𝐟𝐞𝐞𝐬
Some fixed loans charge hefty fees for early repayment, so check the numbers before acting.

💼 𝐔𝐬𝐢𝐧𝐠 𝐮𝐩 𝐲𝐨𝐮𝐫 𝐬𝐚𝐯𝐢𝐧𝐠𝐬
While it feels good to be debt-free — but not if it wipes out your emergency fund. Always keep a financial safety buffer.

02/12/2025

🎄✨ 𝐂𝐡𝐫𝐢𝐬𝐭𝐦𝐚𝐬 𝐢𝐬 𝐂𝐨𝐦𝐢𝐧𝐠… 𝐁𝐮𝐭 𝐃𝐨𝐧’𝐭 𝐒𝐭𝐫𝐞𝐬𝐬 𝐀𝐛𝐨𝐮𝐭 𝐘𝐨𝐮𝐫 𝐇𝐨𝐦𝐞 𝐋𝐨𝐚𝐧 𝐀𝐩𝐩𝐥𝐢𝐜𝐚𝐭𝐢𝐨𝐧! ✨🎄

As we head into the holiday season, most major lenders are slowing down and locking in their cut-off dates for new applications. Things start to drag….. and approvals can feel like they’re miles away.

But here’s the good news! 🙌
One of our 𝘧𝘢𝘷𝘰𝘶𝘳𝘪𝘵𝘦 lenders — and one of Australia’s 𝐓𝐨𝐩 𝟓 𝐛𝐚𝐧𝐤𝐬 — is keeping things moving at full speed!

⚡ 𝐓𝐮𝐫𝐧𝐚𝐫𝐨𝐮𝐧𝐝 𝐭𝐢𝐦𝐞𝐬 𝐚𝐬 𝐟𝐚𝐬𝐭 𝐚𝐬 𝟒 𝐡𝐨𝐮𝐫𝐬
🏡 𝐒𝐭𝐢𝐥𝐥 𝐚𝐬𝐬𝐞𝐬𝐬𝐢𝐧𝐠 𝐚𝐧𝐝 𝐬𝐞𝐭𝐭𝐥𝐢𝐧𝐠 𝐡𝐨𝐦𝐞 𝐥𝐨𝐚𝐧𝐬 𝐫𝐢𝐠𝐡𝐭 𝐭𝐡𝐫𝐨𝐮𝐠𝐡 𝐂𝐡𝐫𝐢𝐬𝐭𝐦𝐚𝐬

So if you’ve got an 𝐮𝐫𝐠𝐞𝐧𝐭 𝐩𝐮𝐫𝐜𝐡𝐚𝐬𝐞 that needs attention (or a deal stuck somewhere else).

COME ON DOWWN — we’re ready to help you make some 𝘊𝘩𝘳𝘪𝘴𝘵𝘮𝘢𝘴 𝘮𝘪𝘳𝘢𝘤𝘭𝘦𝘴 happen. 🎁✨

Let’s end the year strong and get you home for the holidays! ❤️🏠

HyperX Finance

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