APS Advisory Group

30/03/2026

🏠 What’s the ideal home loan term length? 🏠⁣
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Well, just like songs and music, there's no one-size-fits-all answer - it's usually a case-by-case situation.⁣
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Let us explain. ⁣
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Not so long ago, 25 years was the typical home loan term. ⁣
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That’s steadily crept up to 30 years. 📈⁣
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And some lenders now even offer 40-year loans. 😮⁣
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So, what home loan term should you select? ⁣
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The answer is the one that fits your life circumstances - which usually means the one that you can comfortably afford the monthly repayments on. ✅⁣
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That's because, chances are, the value of your home will rise over time. ⁣
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Meanwhile, inflation will hopefully eat away at the value of your debt. ⁣
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And as you build equity (and your life situation changes), it may be possible to refinance to a shorter term to save on interest over the long run. 👇⁣
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To find out more, DM us or contact APS Advisory Group on:

☎️ – 02 8896 6180
💻 – [email protected]

26/03/2026

If you’re in the market for a home, you may have noticed there hasn’t always been a whole lot of choice in recent months. Fortunately, it looks like property listings are really starting to pick back up. Here’s how to make the most of the increase in choice. 🙌

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25/03/2026

📈 Could property prices break records in 2026? 📈⁣
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Home values could potentially hit new highs this year. ⁣
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REA Group is predicting home prices could rise 6-8% across our combined capitals in 2026. 📊⁣
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Meanwhile, a new report from KPMG predicts house prices across Australia could climb 7.7% this year and apartment values could rise 7.1%.⁣
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If you're looking to buy in the near to medium future, it could be worth considering bringing your home-buying plans forward to beat rising prices. 💰⁣
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Talk to us to find out your borrowing power. 💬⁣
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We could then also get the ball rolling on a home loan that matches your needs. 👇⁣
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To find out more, DM us or contact APS Advisory Group on:

☎️ – 02 8896 6180
💻 – [email protected]

23/03/2026

🏠 First homebuyers are dominating the home loan market 🏠⁣
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The number of new first home buyer loans rose 6.8% in the final quarter of 2025, outpacing investors and upgraders - according to ABS data. 📊⁣
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It’s the biggest jump in first home buyer demand in two years. ⁣
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What’s driving first home buyers? 🤔⁣
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Increased support through the 5% Deposit Scheme and the new Help to Buy program, says the ABS. ⁣
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Talk to us about your plans to buy a first home and we'll help you assess your borrowing capacity. ⁣
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You could potentially be home loan ready right now. 👇⁣
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To find out more, DM us or contact APS Advisory Group on:

☎️ – 02 8896 6180
💻 – [email protected]

18/03/2026

🏡 Could your siblings hold the key to home ownership? 🏡⁣
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Siblings can often be relied on to share a drink or a game of backyard cricket. 🏏⁣
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But now more Aussies are teaming up with their siblings to share the keys to a first home. 🔑⁣
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NAB reports a 33% increase in friends and family members buying property together. ⁣
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Pooling your resources can potentially help you crack the market sooner, or buy in an area you couldn’t afford solo. ⁣
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If you think you and your sibling could make a great property team, talk to us to find out if co-buying could work for you. 👇⁣

To find out more, DM us or contact APS Advisory Group on:

☎️ – 02 8896 6180
💻 – [email protected]

17/03/2026

More bad news for mortgage holders around the country: the RBA today raised the cash rate for the second time this year to 4.10% in a 5-4 split decision vote. How might this impact your monthly mortgage repayments? 🏡

16/03/2026

🏡 Gen X takes top spot for property wealth 🏡⁣
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Baby Boomers no longer hold the top spot for housing wealth in Australia. ⁣
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Research by KPMG reveals Gen X (1965-1980) have average property wealth of $1.455 million per household. 📈⁣
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The Boomers? They now average $1.36 million. ⁣
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That’s because Boomers are dialling down their property holdings ahead of retirement. ⁣
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Turns out younger Aussies aren’t doing too badly in the property stakes, either. ⁣
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KPMG says 25-34-year olds have seen household wealth rise 63% over the last 5 years, thanks mainly to rising home ownership. 🏠⁣
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Keen to get started building your property portfolio? ⁣
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Talk to us about government schemes that provide support for first home buyers. 👇⁣
To find out more, DM us or contact APS Advisory Group on:

☎️ – 02 8896 6180
💻 – [email protected]

12/03/2026

Who wouldn’t want to save on home loan interest and pay off their mortgage faster? Homeowners are increasingly turning to offset accounts to do just that. So today we’ll look into whether an offset account could benefit you. 🏡

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11/03/2026

🏡 5% Deposit Scheme fuels price surge in affordable homes 🏡⁣
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Is the newly expanded 5% Deposit Scheme pricing first home buyers out of the market? 🤔⁣
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Well, property price data analysts Cotality think so, pointing out that homes falling within the scheme’s price limits saw price growth of 3.6% in just the December quarter alone. ⁣
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Homes priced just above the price caps also rose 2.4% in the same period. ⁣
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The bottom line: lock in, as it looks like competition for affordable homes is heating up. 🔥⁣
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One option?⁣
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Start a conversation with us. For starters, we’ll help you calculate your borrowing power. ⁣
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Then, you may need to be open to being flexible on your choice of home and location - a first home doesn’t have to be a forever home, for instance. ⁣
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But it can help you get a foothold in the market before prices potentially go up further. 👇⁣
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To find out more, DM us or contact APS Advisory Group on:

☎️ – 02 8896 6180
💻 – [email protected]

09/03/2026

🚀 Refinancing is on a roll and the momentum is building 🚀⁣
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Refinancing reached new heights in 2025.⁣
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A record 641,552 loans were refinanced over the year, 20% higher than 2024’s 533,839, according to Money.com.au’s latest Mortgage Insights Report. 📈⁣
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And the momentum isn’t slowing. 💪⁣
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The Insights Report predicts refinancing volumes to grow a further 19% in 2026 to 762,437 loans. ⁣
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Why the rush to switch? 🤔⁣
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The potential for a lower rate, potentially better home loan features, and the chance to reduce your monthly mortgage repayments. ⁣
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If you haven’t reviewed your loan recently, now could be the time. ⏰⁣
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Contact us to see if you could save on monthly interest by refinancing. 👇⁣

To find out more, DM us or contact APS Advisory Group on:

☎️ – 02 8896 6180
💻 – [email protected]

05/03/2026

As home prices climb higher, first home buyers can feel like the goal posts are continually shifting further out of reach. But there is a way to potentially cut years off the time taken to buy a home. 🏡