Belfast Wealth Management

03/02/2026

📈 RBA Update

The Reserve Bank has raised the cash rate by 0.25%, taking the new cash rate target to 3.85%.

Importantly, all of the Big Four banks have followed suit immediately.

If you’re a borrower, this is a good time to understand how this change impacts your repayments and whether your current loan is still the right fit.

We're always happy to chat through your options.

08/01/2026

Another year down!

09/12/2025

🎄💰 No Christmas miracle this month… but at least the Grinch didn’t pinch our interest rates!
The RBA has held the cash rate at 3.60%, keeping things steady heading into the holidays.

If you’re looking to understand what this means for your repayments or 2026 plans, I’m here to help — even as the silly season kicks in.
More clarity for you = more time for Christmas magic ✨

28/05/2025

🏡 Why now could be a good time to build a new home 🏡⁣
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Building costs increased by just 0.4% nationally in the March quarter, according to CoreLogic.⁣
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That's the lowest quarterly uptick since 2010.⁣
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Add in higher prices for established homes, and it could be a more attractive proposition to build a new place or get started on a major renovation.⁣
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How much should you budget for? 🤔⁣
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New constructions can cost around $2,550-$4,800 per square metre on average, according to Archicentre.⁣
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Talk to us about a construction loan. ⁣
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It's a loan type for new builds and is structured to potentially help you save on interest as you build (compared to a standard home loan). 👇⁣
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To find out more, DM us or contact Belfast Wealth Management on:

☎️ – 03 5568 2940
💻 – [email protected]



* Belfast Lending Pty Ltd (Credit Representative Number 502388) & Amy Harman (Credit Representative Number 503318) are Authorised Credit Representatives of outsource Financial Pty Ltd, Australian Credit Licence Number 384324. Your complete financial situation will need to be assessed before acceptance of any proposal or product. All applications will be subject to lenders terms & conditions. At Belfast Wealth (ABN 64 619 571 505), we are committed to protecting your privacy. We use the information you provide to advise about and assist with your finance needs.

26/05/2025

🏚 How much does a renovation cost? 🏚⁣
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Renovations can add to your lifestyle and your home’s value.⁣
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But working out the cost can be challenging - after all, no one renovation is the same... 😅⁣
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But as a bit of a guide, Archicentre has released its latest cost guide, which shows the cost of popular renovations.⁣
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It estimates that a renovation to an existing area costs between $1,450 to $3,600 per square metre. 🔨⁣
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Or between $2500 to $4,800 per square metre for new extensions. 🏡⁣
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Meanwhile, expect to pay $16,000 to $32,000 per bathroom/ensuite, $22,000 to $48,000 for a kitchen, and $9,000 to $19,000 for a laundry.⁣
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Talk to us for information into how to fund your next renovation project. 👇⁣
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To find out more, DM us or contact Belfast Wealth Management on:

☎️ – 03 5568 2940
💻 – [email protected]



* Belfast Lending Pty Ltd (Credit Representative Number 502388) & Amy Harman (Credit Representative Number 503318) are Authorised Credit Representatives of outsource Financial Pty Ltd, Australian Credit Licence Number 384324. Your complete financial situation will need to be assessed before acceptance of any proposal or product. All applications will be subject to lenders terms & conditions. At Belfast Wealth (ABN 64 619 571 505), we are committed to protecting your privacy. We use the information you provide to advise about and assist with your finance needs.

21/05/2025

🤔 Why 1-in-2 families are thinking of refinancing 🤔⁣
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Savvy home owners are taking a DIY approach when it comes to rate cuts.⁣
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Interestingly, half of variable rate borrowers are currently considering refinancing, according to Canstar research.⁣
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And 1-in-7 have already made the move in the last 12 months. 😎⁣
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Why the interest in refinancing?⁣
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Loans with an interest rate starting with the number '5' are now being offered by many lenders.⁣
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So... for example, if your current home loan interest rate is at 6.06% with a $600,000 balance remaining (25-year loan term), Canstar says refinancing to 5.74% could still see you save almost $3,000 in interest over the next two years.⁣
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That amount increases to $12,000 over the next two years if your current interest rate is 6.86%. 😮⁣
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Get in touch today to find out how much you might save on interest by refinancing. 👇⁣
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To find out more, DM us or contact Belfast Wealth Management on:

☎️ – 03 5568 2940
💻 – [email protected]



* Belfast Lending Pty Ltd (Credit Representative Number 502388) & Amy Harman (Credit Representative Number 503318) are Authorised Credit Representatives of outsource Financial Pty Ltd, Australian Credit Licence Number 384324. Your complete financial situation will need to be assessed before acceptance of any proposal or product. All applications will be subject to lenders terms & conditions. At Belfast Wealth (ABN 64 619 571 505), we are committed to protecting your privacy. We use the information you provide to advise about and assist with your finance needs.

19/05/2025

🤔 What’s the ‘comparison rate’ all about? 🤔⁣
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Ever noticed when banks advertise a home loan they also display a ‘comparison rate’? ⁣
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This rate shows the true cost of a loan, including interest plus most fees and charges.⁣
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It makes the comparison rate a handy tool for borrowers. 👍⁣
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But it doesn’t always factor in everything.⁣
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The comparison rate doesn’t include fees for features used by individual borrowers like early repayment or redraw fees.⁣
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That’s why it’s important to talk to us. 😁⁣
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We can match you with a home loan that’s a good fit for your needs – and let you know about any extra fees or charges. 👇⁣
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To find out more, DM us or contact Belfast Wealth Management on:

☎️ – 03 5568 2940
💻 – [email protected]



* Belfast Lending Pty Ltd (Credit Representative Number 502388) & Amy Harman (Credit Representative Number 503318) are Authorised Credit Representatives of outsource Financial Pty Ltd, Australian Credit Licence Number 384324. Your complete financial situation will need to be assessed before acceptance of any proposal or product. All applications will be subject to lenders terms & conditions. At Belfast Wealth (ABN 64 619 571 505), we are committed to protecting your privacy. We use the information you provide to advise about and assist with your finance needs.

19/05/2025

We are ! Know anyone who might be interested?

Join Belfast Wealth as a Financial Planning Assistant—ideal for grads or experienced support staff looking to grow in a supportive, growing firm.

14/05/2025

🏆 Home values just hit a new record 🏆⁣
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The property market has just notched up another PB.⁣
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Values rose 0.4% nationally in March, according to CoreLogic, pushing home prices to new heights. 📈⁣
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The median home value nationwide is now just over $820,000.⁣
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With two months of price growth now on the scorecard, CoreLogic says the current upswing is looking like more than a temporary recovery. ⁣
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If you're sick of waiting on the sidelines and want to see if you could buy your first (or next) home, get in touch today and we'll help you assess your borrowing capacity. 👇 ⁣
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To find out more, DM us or contact Belfast Wealth Management on:

☎️ – 03 5568 2940
💻 – [email protected]



* Belfast Lending Pty Ltd (Credit Representative Number 502388) & Amy Harman (Credit Representative Number 503318) are Authorised Credit Representatives of outsource Financial Pty Ltd, Australian Credit Licence Number 384324. Your complete financial situation will need to be assessed before acceptance of any proposal or product. All applications will be subject to lenders terms & conditions. At Belfast Wealth (ABN 64 619 571 505), we are committed to protecting your privacy. We use the information you provide to advise about and assist with your finance needs.

12/05/2025

🏡 4 factors to consider when jumping into property investing 🏡⁣
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Whether you're taking your first step towards building your property portfolio or your fifth, being prepared is key.⁣
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Here are four factors you may want to consider. 🤔⁣
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1. Build a trusted team around you, including an accountant and mortgage broker (that's us!).⁣
2. Keep your eye on current market trends.⁣
3. Be prepared to go borderless with investing opportunities across the country.⁣
4. Focus on data-driven decisions (trust your head more so than your heart)⁣
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To find out whether you can access finance to start your property investing journey, get in touch today. 👇⁣
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To find out more, DM us or contact Belfast Wealth Management on:

☎️ – 03 5568 2940
💻 – [email protected]



* Belfast Lending Pty Ltd (Credit Representative Number 502388) & Amy Harman (Credit Representative Number 503318) are Authorised Credit Representatives of outsource Financial Pty Ltd, Australian Credit Licence Number 384324. Your complete financial situation will need to be assessed before acceptance of any proposal or product. All applications will be subject to lenders terms & conditions. At Belfast Wealth (ABN 64 619 571 505), we are committed to protecting your privacy. We use the information you provide to advise about and assist with your finance needs.

07/05/2025

🏠 The pros and cons of buying with a 5% deposit 🏠⁣
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Buying with a 5% deposit can help you fast-track home ownership and potentially beat rising property values. 📈⁣
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And, if you’re eligible for the 5% deposit First Home Guarantee scheme, you don’t have to pay lenders mortgage insurance.⁣
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But there are downsides to weigh up. ⚖️⁣
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A low deposit could mean a bigger mortgage and higher repayments.⁣
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It could also be harder to refinance your loan until you’ve built up home equity (aka putting you in mortgage prison)⁣
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So it pays to choose your home loan with care. ⁣
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Talk to us about finding the mortgage that matches your needs. 👇⁣
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To find out more, DM us or contact Belfast Wealth Management on:

☎️ – 03 5568 2940
💻 – [email protected]



* Belfast Lending Pty Ltd (Credit Representative Number 502388) & Amy Harman (Credit Representative Number 503318) are Authorised Credit Representatives of outsource Financial Pty Ltd, Australian Credit Licence Number 384324. Your complete financial situation will need to be assessed before acceptance of any proposal or product. All applications will be subject to lenders terms & conditions. At Belfast Wealth (ABN 64 619 571 505), we are committed to protecting your privacy. We use the information you provide to advise about and assist with your finance needs.

05/05/2025

💪 6 ways to improve your home's curb appeal 💪⁣
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When preparing for sale (or just trying to impress the neighbours), curb appeal speaks volumes. ⁣
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Here are 6 areas to focus on according to Domain 🔎⁣
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🌳 Have a focal point to draw the potential buyer's eye.⁣
🚪 Red can make your front door pop - but there are other great options, such as yellow or blue.⁣
🏡 Focus on a self-sufficent front garden (less work!).⁣
🛋️ Create a welcoming space (such as seating options).⁣
🪴 Remember the little details - door hardware, plant choice, bark colour.⁣
🚗 Don't forget to make sure your driveway is well maintained.⁣
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If you are thinking of selling, get in touch with us today to help make sure your finances are in order for a smooth changeover 👇⁣
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To find out more, DM us or contact Belfast Wealth Management on:

☎️ – 03 5568 2940
💻 – [email protected]



* Belfast Lending Pty Ltd (Credit Representative Number 502388) & Amy Harman (Credit Representative Number 503318) are Authorised Credit Representatives of outsource Financial Pty Ltd, Australian Credit Licence Number 384324. Your complete financial situation will need to be assessed before acceptance of any proposal or product. All applications will be subject to lenders terms & conditions. At Belfast Wealth (ABN 64 619 571 505), we are committed to protecting your privacy. We use the information you provide to advise about and assist with your finance needs.