Bluegum Finance

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

The property market is always shifting, and recent figures show national average loan values have eased slightly, moving...
02/09/2026

The property market is always shifting, and recent figures show national average loan values have eased slightly, moving from $737k in December to $731k in June.

While a 0.8% dip is a subtle change, it’s a reminder that market trends are rarely straight lines. Averages are helpful for tracking the big picture, but they don't dictate what’s possible for your personal situation.

If you’re watching the market and wondering what these shifts mean for you, let’s run the numbers together.

Reach out today to have a chat

www.bluegum-finance.com.au

Ever heard the term Loan-to-Value Ratio, or LVR? It’s a key number to know when you're looking at home loans.Simply put,...
28/08/2026

Ever heard the term Loan-to-Value Ratio, or LVR? It’s a key number to know when you're looking at home loans.

Simply put, your LVR is the percentage of the property's value that you need to borrow. For example, if you buy a home valued at $500,000 and borrow $400,000, your LVR sits at 80%.

Here is why that number matters to you:

💰 Better rates: A lower LVR means you’ve put down a larger deposit, which could open the door to more competitive interest rates.

🛡️ Lenders Mortgage Insurance (LMI): If your LVR is above 80%, you may need to pay LMI. This is an extra cost that protects the lender, not you.

📏 Borrowing power: Your LVR plays a big role in how comfortable a lender is with your application and how much they are willing to let you borrow.

If you want to calculate your potential LVR or see how it impacts your options, let’s have a chat.

www.bluegum-finance.com.au

Helping a loved one buy their first home as a guarantor is incredibly generous.It can get them onto the property ladder ...
26/08/2026

Helping a loved one buy their first home as a guarantor is incredibly generous.

It can get them onto the property ladder much sooner with a smaller deposit, but it’s vital to understand how it impacts your own financial future.

Acting as a guarantor can affect your borrowing capacity for future loans, as lenders factor that responsibility into your financial profile. It’s an important piece of the puzzle for everyone involved.
Contact us via our website if you're exploring this option or want to understand what it means for your own plans down the track.

Let's chat to map out your options together.

Visit our website here 👉 www.bluegum-finance.com.au

Spring is one week away.If you've been planning to get pre-approval before you start looking at properties, now is the t...
24/08/2026

Spring is one week away.

If you've been planning to get pre-approval before you start looking at properties, now is the time to act.

A pre-approval in your pocket means you can move quickly when the right place comes up.

Visit our website to learn more about how we can help lock in your pre-approval. Talk to us today.

Visit our website here 👉 www.bluegum-finance.com.au

Happy National Finance Brokers Day!Today we celebrate the people who read loan documents and who sit on hold with lender...
19/08/2026

Happy National Finance Brokers Day!

Today we celebrate the people who read loan documents and who sit on hold with lenders so you don't have to, and who genuinely get excited when your application gets approved.

We care about your goals as much as you do.

And we're glad you found us.

www.bluegum-finance.com.au

The dust has settled on the federal budget, but what do the property tax changes mean for you? According to the Australi...
18/08/2026

The dust has settled on the federal budget, but what do the property tax changes mean for you? According to the Australian Government Budget Factsheet, a new dual system is coming into play:

- Existing investors: If you bought before 12 May 2026, your negative gearing is locked in and CGT discounts apply to growth in value up until July 2027.

- Buying established now: You can still secure the 50% CGT discount on growth until 1 July 2027. Negative gearing will wrap up next June.

- Buying a new build: Brand-new properties are exempt from the changes, keeping full negative gearing and CGT perks permanently.

The transitional window is open, but navigating the rules takes some planning.

Visit our website today to learn more about investment loans. Let’s chat about your next move.

👉 www.bluegum-fiannce.com.au

With Father’s Day around the corner, why not think a little bigger?We’re talking about the things that make weekends wor...
17/08/2026

With Father’s Day around the corner, why not think a little bigger?

We’re talking about the things that make weekends worth waiting for. Whether your family adventures need a boat, a caravan, or a new motorbike, we’re here to help make it happen.

As loan experts, we help find the right finance to fit your lifestyle and your budget.

www.bluegum-finance.com.au

Thinking about selling and buying something different?If you're considering upsizing for the growing family or just read...
14/08/2026

Thinking about selling and buying something different?

If you're considering upsizing for the growing family or just ready for a change, timing both sides of a property transaction is one of the trickier things to navigate. Whether you need to line up settlement dates or explore options like a bridging loan to buy before you sell, it's exactly what we're here to help with.

Reach out today to discuss your options.

www.bluegum-finance.com.au

Thinking about refreshing your home?A lot of Australians don't realise how much equity they've built up. That equity may...
10/08/2026

Thinking about refreshing your home?

A lot of Australians don't realise how much equity they've built up. That equity maybe be able to be used for renovations like a new kitchen, an extension or updated bathrooms without needing a separate personal loan at a higher rate.

We can help you understand what's available and whether it makes sense for your situation.

Talk to us today.

www.bluegum-finance.com.au

Here is a quick trap to avoid: every time you apply for credit, it leaves an inquiry on your credit report. Making multi...
07/08/2026

Here is a quick trap to avoid: every time you apply for credit, it leaves an inquiry on your credit report. Making multiple applications in a short window can quickly drag your credit score down.

That’s where a broker comes in as your secret weapon. 🛡️

- One conversation, 100+ lenders: We compare options across a massive panel of lenders without putting a dent in your file.

- No guessing games: We do the heavy lifting behind the scenes to find the right loan for your needs.

- Protect your score: We help you apply for a loan that is more likely to be approved, reducing the likelihood of negative impacts on your credit score.

Don't guess your way through applications. Let’s chat today about a smarter way to secure your finance.

www.bluegum-finance.com.au

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One Tree Hill, SA
5114

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+61403011304

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