Bluegum Finance

Bluegum Finance Experienced and friendly Finance Broker specialising in all residential and investment lending.

Securing the right finance shouldn't be a hurdle. Our expertise simplifies the loan process, allowing you to concentrate...
03/06/2026

Securing the right finance shouldn't be a hurdle. Our expertise simplifies the loan process, allowing you to concentrate on finding your new car.

We'll guide you to a loan solution tailored to your financial needs.

www.bluegum-finance.com.au

The kids might be sharing their room. The home office is the dining table.The garage is too small. Sound familiar?With A...
21/05/2026

The kids might be sharing their room. The home office is the dining table.
The garage is too small. Sound familiar?

With Australian property prices up over 9% in the last year, many
homeowners are sitting on more equity than they realize, and that equity could be your ticket to upsizing.

We can help you:
■ Understand how much equity you have
■ Explore bridging finance if you're buying before selling
■ Compare loan products to make your upgrade seamless

More space could be closer than you think.

www.bluegum-finance.com.au

Last night's federal budget dropped and it was a big one! Here's what it could mean for you.🏠 InvestorsNegative gearing ...
13/05/2026

Last night's federal budget dropped and it was a big one! Here's what it could mean for you.

🏠 Investors
Negative gearing tax benefits are proposed to be restricted on established properties purchased from Budget night, effective July 2027 (new builds exempt). Existing owners aren't affected. The CGT discount is proposed to be replaced by an inflation-adjusted model with a 30% tax floor from July 2027.

🔑 Homebuyers
Removing some negative gearing benefits may help level the playing field at auction. $2B in infrastructure to unlock 65,000 new homes. Foreign buyer ban on existing homes extended to 2029.

👨‍👩‍👧 Households
Claim up to $1,000 in work expenses without having to claim individual items from FY26/27.
A new tax offset could save workers around $250/year from FY27/28.

💼 Small Business
The $20,000 instant asset write off is proposed to become permanent.
Loss carry back lets eligible businesses offset recent losses against past profits for potential refunds.

🚗 Drivers
EVs under the fuel-efficient vehicle luxury car tax threshold keep their FBT exemption.
Temporary fuel excise relief ends in July, which could place upward pressure on fuel prices again.

Whether you are an investor, aspiring homebuyer or a homeowner, reach out to discuss any changes this could make to your situation. We can review your loan or strategy to help you navigate the current environment.

Lenders Mortgage Insurance (LMI) is often seen as a "fee" for having a deposit under 20%, but it can be a strategic shor...
23/04/2026

Lenders Mortgage Insurance (LMI) is often seen as a "fee" for having a deposit under 20%, but it can be a strategic shortcut.

The essentials:

• What is LMI? A one-off premium that protects the lender if you can’t meet your repayments, allowing you to buy with as little as 5% deposit.

• How to avoid it: Aim for a 20% deposit, use a guarantor, or check your eligibility for government schemes for first-home buyers that waive LMI entirely.

• The strategy: Sometimes paying LMI now is cheaper than waiting years to save while property prices keep climbing.

The bottom line: LMI isn’t a “fail”, it can be a ticket into the market sooner.

Want to see if you qualify for an LMI waiver or government grant? Reach out today.

While Sydney and Melbourne home values have flatlined under the pressure of higher rates, mid-sized capitals are surging...
14/04/2026

While Sydney and Melbourne home values have flatlined under the pressure of higher rates, mid-sized capitals are surging.

According to Cotalilty, Perth values jumped 2.3% in February alone, adding more than $22,500 to the median home value in just 30 days. Brisbane, Adelaide and Hobart also recorded solid gains of over 1%.

In cities like Perth, stock levels are nearly 50% below the five-year average. Low supply is currently beating high rates.

Want to know what's happening in your city? Reach out for a local market report.

Banks sometimes save their better deals for new customers, leaving loyal ones with higher rates.We’ll compare your curre...
01/04/2026

Banks sometimes save their better deals for new customers, leaving loyal ones with higher rates.

We’ll compare your current loan against the market to make sure you aren’t paying more than you have to.

Stop paying the loyalty tax and start saving, reach out to us for a quick rate check today.

Many people only look at the "Big Four" banks, but did you know there is a whole world of lenders that don’t deal with t...
23/03/2026

Many people only look at the "Big Four" banks, but did you know there is a whole world of lenders that don’t deal with the public directly?

These "white-label" or "broker-only" lenders often offer:
✅ More flexible lending criteria.
✅ Competitive niches for self-employed or unique situations.
✅ Specialized products tailored to your specific goals.

As a broker, I can compare products you can’t find on Google to ensure you’re getting the loan that’s right for you.

Discover the difference www.bluegum-finance.com.au

The RBA has today increased the cash rate following data showing inflation is still above the 2-3% target band.If you’d ...
17/03/2026

The RBA has today increased the cash rate following data showing inflation is still above the 2-3% target band.

If you’d like to understand how this may impact your loan, or check whether your current rate is still competitive, feel free to reach out.

Don’t let your bank swipe left on your application. 🚩➡💚We talk a lot about red flags, but what makes a bank fall in love...
02/03/2026

Don’t let your bank swipe left on your application. 🚩➡💚

We talk a lot about red flags, but what makes a bank fall in love with a borrower? If you want to be a total Green Flag to a lender, here is what they’re looking for:

✅ Manageable Buy Now, Pay Later (BNPL) activity and no missed credit card payments.
✅ Genuine savings. A consistent history of putting money away, not just a one-off lump sum.
✅ Steady employment (or a clear 2-year history if you're self-employed).
✅ Showing you can handle a rate rise without breaking a sweat.

Feeling more like a "beige flag" right now? My job is to help you understand how to polish your profile before we hit submit.

The RBA has today increased the cash rate following new data showing higher inflation and continued low unemployment.If ...
03/02/2026

The RBA has today increased the cash rate following new data showing higher inflation and continued low unemployment.

If you’d like to understand how this may impact your loan, or check whether your current rate is still competitive, feel free to reach out.

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One Tree Hill, SA
5114

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+61403011304

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