Formal Finance

03/09/2026

Several of the big banks have pivoted on their rate outlook, and are now predicting rate hikes (rather than no change or a fall) this side of Christmas. It could be a cue for homeowners to plan rather than panic. 😎

Several of the big banks have pivoted on their rate outlook, and are now predicting rate hikes (rather than no change or a fall) this side of Christmas. It could be a cue for homeowners to plan rather than panic.

02/09/2026

🙌 The strategy that's struck a chord with 300,000+ first home buyers 🙌⁣
⁣
The 5% Deposit Scheme has made home ownership possible for over 300,000 Australians.⁣
⁣
In a nutshell, you buy with as little as a 5% deposit. 😮⁣
⁣
The federal government guarantees your loan.⁣
⁣
That means no lenders mortgage insurance is needed - a big saving. 👍⁣
⁣
Contact us to find out if you’re eligible. 👇⁣
⁣
To find out more, DM us or contact Formal Finance on:

☎️ – 0409 383 838
💻 – [email protected]

31/08/2026

🏗️ How to still make use of negative gearing 🏗️⁣
⁣
Negative gearing isn’t dead. It’s just different. 💡⁣
⁣
Investors can still benefit from negative gearing on newly built properties. 🏡⁣
⁣
It’s an option that can also mean higher depreciation deductions. ⁣
⁣
Seek advice from your accountant and/or financial adviser to see if it's right for you.⁣
⁣
And if so, contact us to explore your investment home loan options. 👇⁣
⁣
To find out more, DM us or contact Formal Finance on:

☎️ – 0409 383 838
💻 – [email protected]

27/08/2026

Property transactions involve big bucks – and that makes them a big target for scammers. With large sums of money at stake, we reveal what to look out for, and how to protect yourself from property settlement scams. 🔎 🏡

Property transactions involve big bucks – and that makes them a big target for scammers. With large sums of money at stake, we reveal what to look out for, and how to protect yourself from property settlement scams.

26/08/2026

📝 Bank of Mum and Dad: why a formal agreement makes sense 📝⁣
⁣
One-in-five first home buyers rely on the support of parents or family. ⁣
⁣
Yet more than 6-in-10 of these buyers have no written agreement in place, according to Money.com.au’s latest research.⁣
⁣
This can potentially delay home loan approval. ⏳⁣
⁣
That’s because lenders want to know if the financial support is a cash gift or a loan. 🤔⁣
⁣
Bottom line, talk to us to know how to structure the support of well-meaning family members. 👇⁣
⁣
To find out more, DM us or contact Formal Finance on:

☎️ – 0409 383 838
💻 – [email protected]

24/08/2026

🏡 Why the time may be right for first home buyers 🏡⁣
⁣
More choice, less competition and easing prices.⁣
⁣
With many investors currently hesitant to purchase due to major tax reforms to negative gearing and capital gains tax, that's resulted in less competition for first home buyers. 👍⁣
⁣
Even better, there are numerous first home buyer government schemes and support to tap into. 🙌⁣
⁣
All in all, it really is shaping up as a first home buyers’ market.⁣
⁣
Contact us to find out how you could get started. 👇⁣
⁣
To find out more, DM us or contact Formal Finance on:

☎️ – 0409 383 838
💻 – [email protected]

19/08/2026

While rising prices were the talk of the town not so long ago, the tide has started to turn, with property values beginning to soften – but it’s not all bad news for home owners. 🙌

While rising prices were the talk of the town not so long ago, the tide has started to turn, with property values beginning to soften – but it’s not all bad news for home owners.

19/08/2026

🎾 Records smashed: brokers serve more than 4 in 5 home buyers 🎾⁣
⁣
After years of growth, mortgage brokers have hit a new record market share! 🏆⁣
⁣
Brokers now account for 81% of new home loans, according to MFAA statistics. ⁣
⁣
In trying times the guidance and support of a broker can be your key to home buying success. 🤝⁣
⁣
Research also shows broker customers are more satisfied than direct-to-lender borrowers. ⁣
⁣
Call today, and experience the broker difference. 👇⁣
⁣
To find out more, DM us or contact Formal Finance on:

☎️ – 0409 383 838
💻 – [email protected]

17/08/2026

🏡 Is your home loan still a good choice for you? 🏡⁣
⁣
Big differences in lender rates make now a good time to review your mortgage. ⁣
⁣
First, check if your home loan interest rate is competitive. 💰⁣
⁣
Does your loan charge ongoing fees? Most don’t. ⁣
⁣
Are you using all the loan’s features? You could be paying extra for them.⁣
⁣
And are you being punished for your loyalty? Lenders generally offer lower rates to new borrowers. 🤔⁣
⁣
Here’s one option. 💡⁣
⁣
Contact us to organise a home loan health check. 👇⁣
⁣
To find out more, DM us or contact Formal Finance on:

☎️ – 0409 383 838
💻 – [email protected]

13/08/2026

Great news! Homeowners can breathe a sigh of relief, with the RBA keeping the cash rate on hold in August. But just because the cash rate is sitting tight, doesn’t mean you have to. 😉⁣

Great news! Homeowners can breathe a sigh of relief, with the Reserve Bank of Australia (RBA) keeping the cash rate on hold in August. But just because the cash rate is sitting tight, doesn’t mean you have to.