Mufti Finance

28/06/2026

Adjusting excess levels can lower premiums or improve coverage. Check your policies annually for the right balance.

26/06/2026

“Success is not the key to happiness. Happiness is the key to success. If you love what you are doing, you will be successful.”

Albert Schweitzer

25/06/2026

Those coffees, takeaways and subscriptions you barely notice can now cost you tens of thousands in borrowing power.

Lenders are scrutinising household spending more closely than ever - and the Household Expenditure Measure (HEM) sits right at the heart of it.

Inflation, rising living expense benchmarks and APRA’s 3% serviceability buffer through 2026 mean your real bank transactions over the last 3 to 6 months often matter more than what you think you spend.

Picture two couples with identical incomes and deposits:
One lives close to HEM.
The other adds $600 a month on delivery apps, subscriptions and lifestyle.

That $7,200 a year, once stress tested, can knock $50,000-$100,000 off your loan limit.
Things many overlook:
• gambling can be treated as ongoing costs
• unused credit limits can count as full debt
• school fees, clubs and gym memberships lock in a higher baseline
Before you hit ‘apply’, it pays to:
• trim discretionary spending,
• reduce or close unused credit facilities, and
• separate essentials from extras so lenders see clean, repeatable patterns.

Looking for the full breakdown?

Download the article here and see how your everyday spending might be quietly shrinking your borrowing power.

https://loom.ly/jKdn1tg

16/06/2026

HOW WOULD YOU SPEND $4,500 IN EXPERIENCES? 💭✨

Imagine this…

🎤 Front row concert tickets
💆 A full spa weekend reset
✈️ A spontaneous getaway
🍽️ Fine dining nights out
🌏 Or a luxury escape somewhere unforgettable

With a AUD $4,500 Luxury Escapes gift card (or $4,000 cash), it’s all possible.

👉 Enter now: https://loom.ly/l8dr0is

Tell us below… what would YOU do first? 👇

Win one of two luxury escape vouchers valued at AUD$4,500 or exchange for AUD$4,000 CA$H! Total prize valued up to AUD$9,000.

16/06/2026

🚨 RBA keeps cash rate on hold at 4.35%

No change from the RBA this month.

The cash rate remains on hold at 4.35%, while inflation continues to be closely monitored by the Board.

Although conditions remain largely unchanged for now, many borrowers and business owners are still navigating ongoing cost of living pressures and uncertainty around what may come next.

So what now?

Fix for certainty?
Stay variable for flexibility?
Or structure your loan to balance both?

Instead of focusing solely on each rate announcement, it may be worth checking whether your current loan structure still aligns with your goals.

Always speak to a finance specialist before making major financial decisions.

Reach out if you'd like to review your position.

14/06/2026

If you’re ready to explore how these reforms could work in your favour - then let's have a conversation about your specific situation and map out your next strategic move.

13/06/2026

The average person blinks 14 to 17 times per minute.

12/06/2026

Think a 5% deposit and lender approval means the hard part is over?

For many, reality hits in year 1, when strata levies, power bills and surprise repairs can reduce your buffer faster than expected.

Some lenders may use benchmark expenses such as HEM and apply serviceability assessments influenced by prudential expectations.

However, real world spending can be higher than these benchmarks in some cases, and that gap may affect how comfortably you manage your budget.

This month we’ve outlined:
• 5 common cost areas new homeowners sometimes overlook
• How rate rise stress tests can impact your buffer
• 5 general approaches some buyers use to create a bit more breathing room in year 1

Looking to see a full breakdown of what year 1 can cost and how to position yourself to build resilience?
👉 Download the full article here.

https://loom.ly/tP5GsBA

09/06/2026

New analysis: How construction timelines interact with the Budget's property tax changes ⏰

The Federal Budget introduced significant changes to property tax settings. For those considering new builds, understanding how construction timelines align with the reform implementation could be valuable.

Our latest article breaks down:�
✅ Tax reform timelines and construction settlement dates�
✅ Depreciation data deductions for new builds vs established�
✅ Supply forecasts and builder due diligence considerations�
✅ Different market dynamics for investors vs first home buyers

�Educational content to help you understand the changes - not recommendations on what to do.

📥 Download the full analysis.

https://loom.ly/i76pdxA

Disclaimer: This is general information only and does not constitute financial advice. Individual circumstances vary and outcomes will differ. You should consider whether any strategy is appropriate for your situation and seek independent professional advice, including tax and financial advice, before making any investment or property decisions.

07/06/2026

Happy King's Birthday long weekend to our friends in NSW, VIC, SA, TAS & NT!🌟

Let’s make it fun. Can you fit one new adventure, one guilty pleasure and one extra hour of sleep into this long weekend?

Share your wins in the comments and let’s inspire each other to make the most of these extra hours we are not spending at work. Who says holidays are just for rest? 😉