LKFS

02/04/2026

uying your next home before selling your current one can feel like a juggling act — but it doesn’t have to be.

A bridging home loan can provide the flexibility to secure your next property without the pressure of a rushed sale, helping you move once and on your terms.

Like any finance strategy, the key is structuring it correctly from the outset. With the right advice, it can significantly reduce stress and improve your overall outcome.

If you’re considering making a move, it’s worth understanding whether a bridging solution could work for you.

If you’re buying a new property before selling your existing one, you may have heard the term “bridging home loan” — but what does it actually mean?

20/12/2025

Unsure whether to buy now or wait?

Interest rates remain uncertain, inflation is rising again, and the RBA says rate cuts are not imminent. Yet house prices continue to hold up due to strong demand and limited supply.

Our latest article explains what this uncertainty means for buyers, sellers, and investors.

After months of speculation about when interest rates might finally fall, the Reserve Bank of Australia has delivered its clearest message yet:

04/12/2025

Going through a separation or divorce can feel overwhelming - emotionally and financially. But you don’t have to navigate it alone. For many people, gaining clarity around their finances is the first step toward rebuilding confidence and stability.

If this could help you or someone you know, you can read the full article here 👇

Divorce is one of the most emotionally and financially challenging periods a person can experience. When you’re trying to separate assets, especially the family home, it can feel overwhelming to understand what you can borrow, what you can keep, and what life looks like after the settlement.

11/11/2025

The 5 % Home Deposit Scheme sounds great — but is it helping buyers or fueling prices? 🤔
Find out what it means for you 👇

The Australian Government 5% Home Deposit Scheme enables eligible first-home buyers in Australia to purchase a home with a minimum deposit of just 5%, or 2% in the case of eligible single parents or legal guardians.

03/11/2025

Life after separation can feel uncertain — especially when it comes to your finances. We understand how overwhelming it can be to rebuild stability and confidence.

Having been through a divorce myself, I genuinely understand the emotional strain and financial complexities that come with it. I know how overwhelming it can feel to make major financial decisions during such a difficult time — whether it’s buying out a former partner, purchasing a new home, or...

02/09/2024

Meet Frankie, the newest (and furriest) member of the LKFS team! Frankie is our resident plant digger, professional napper, and window-gazing enthusiast. 🌱😼 When she's not busy rearranging the office plants, you'll find her daydreaming out the window, probably contemplating her next great adventure... or just when her next treat is coming. 😋🍃 Welcome to the team Frankie!

10/11/2022

They shall grow not old, as we that are left grow old. Age shall not weary them, nor the years condemn.
At the going down of the sun, and in the morning, We will remember them.

𝐋𝐞𝐬𝐭 𝐖𝐞 𝐅𝐨𝐫𝐠𝐞𝐭.

31/10/2022

Did you know ‘mortgage’ is actually an old French word that translates to ‘death pledge’? The good news is that in 2022, taking out a home loan doesn’t have to be a life sentence.

If you’ve already got a home loan, there are a couple of things you can do to pay your loan down faster and potentially be mortgage-free sooner.

𝐌𝐚𝐤𝐞 𝐞𝐱𝐭𝐫𝐚 𝐫𝐞𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬
This one seems obvious, but you’d be surprised at what a difference a few extra hundred dollars a month makes to the life of your loan – thanks to the ‘magic’ of compound interest. So if you’re in a position to make additional repayments, you could shave years off your loan and be debt-free sooner. Ask us for guidance on this one and we’ll crunch the numbers for you.

𝐑𝐞𝐧𝐞𝐠𝐨𝐭𝐢𝐚𝐭𝐞 𝐲𝐨𝐮𝐫 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐫𝐚𝐭𝐞
Renegotiating your interest rate with your lender – while keeping your repayments steady – is one way to pay off your loan sooner. Keeping an eye on what’s happening in the market is a good way to be prepared to ask your lender for a better deal. We are expert negotiators and can play hardball with the bank on your behalf.

𝐅𝐢𝐧𝐝 𝐚 𝐛𝐞𝐭𝐭𝐞𝐫 𝐥𝐨𝐚𝐧 𝐨𝐩𝐭𝐢𝐨𝐧
Does your home loan still suit your needs? Are you making the most of the benefits, or are you being hit with too many fees for features you’re not even using? Life can change in the blink of an eye, so it may be worth reviewing your current situation and researching a better loan option. Getting a good deal can help you pay off your mortgage sooner and save more money.

𝐍𝐞𝐞𝐝 𝐡𝐞𝐥𝐩?
Whether we renegotiate your interest rate with your lender or find you a better option elsewhere – you could save significantly. Get in touch with us to review your loan and help you get a better deal.
08 8363 4133
[email protected]

30/10/2022

Your money mindset is about your approach to earning, spending, saving and investing. Usually, your money mindset is a subconscious set of beliefs, which could stem from your childhood or previous experiences with money. Understanding your money mindset can help you improve your financial habits. After all, knowledge is power, right?

If your money mindset is preventing you from reaching your financial goals, the good news is it’s completely possible to change any limiting beliefs.

Start with small steps like setting some financial goals and devoting time to improving your financial literacy. Avoid comparing yourself to others, and remember to celebrate even the little wins.

And don’t beat yourself up about it. Money isn’t usually something we’re taught about at school. It’s also not something we generally discuss with friends or even family, so it’s no surprise that – for a lot of people – it remains a mystery!

If you have property-related finance goals, get in touch for some straight-talking guidance on how to make it happen.
08 8363 4133
[email protected]

28/10/2022

At LKFS we aim to make a lasting difference and reshape how great financial advice is experienced. We are committed to talking openly about money, sharing our knowledge and raising awareness; helping to empower and educate our clients and community to make good financial decisions and avoid costly mistakes.

We are 100% client focused and have an intrinsic drive to be of benefit to every person who comes to see us, no matter their circumstances, goals or stage of life.

Building lasting relationships is paramount to our success as a business. We love people, we ask lots of questions, we get to know you and we take the time to listen - it’s why over 90% of our referrals come from existing clients.

We're real people with real life experiences. Oh, and we also have a lot of fun along the way…

Experience the LKFS difference.
08 8363 4133
[email protected]

25/10/2022

With the relaxation of all COVID restrictions and international airlines back in full swing, if you're anything like us, you're probably counting down the days until you can head away on holidays again!

But, did you know - a holiday doesn't have to break the budget! Here we list our top tips on saving some $$$ before you say au Revoir!

𝐁𝐨𝐨𝐤 𝐟𝐥𝐢𝐠𝐡𝐭𝐬 𝐢𝐧 𝐚𝐝𝐯𝐚𝐧𝐜𝐞
Booking your flights in advance can save you from falling into the trap of paying more than you need to. Airlines tend to release their flights up to a year in advance, so it’s best to book sooner rather than later.

𝐓𝐫𝐚𝐯𝐞𝐥 𝐝𝐮𝐫𝐢𝐧𝐠 𝐨𝐟𝐟-𝐬𝐞𝐚𝐬𝐨𝐧
Try to avoid planning your next holiday during school holidays as this is when airlines and accommodation are most expensive. The best way to avoid the busy season is to research the best time to visit your intended destinations, and travel just before or just after those dates.

𝐒𝐚𝐯𝐞 $$ 𝐛𝐲 𝐮𝐬𝐢𝐧𝐠 𝐩𝐮𝐛𝐥𝐢𝐜 𝐭𝐫𝐚𝐧𝐬𝐩𝐨𝐫𝐭
Save your spending money for the activities and get around using public transport. Catching a bus or train around the city can be so much cheaper.

𝐃𝐨𝐧’𝐭 𝐞𝐚𝐭 𝐲𝐨𝐮𝐫 𝐦𝐨𝐧𝐞𝐲
We don’t mean this literally (although we still advise against it) but take advantage of the local markets at your destination to buy lunches and snacks, rather than opting for a restaurant where it tends to be more expensive. However, if you’re a foodie and enjoy eating from restaurants, it may be a good idea to wander around to see your options before deciding.

These are just a few of the many helpful tips that you can find to help you save money while travelling. And, if you want to chat about options to finance your next holiday, we're here to help.
08 8363 4133
[email protected]