Malcolm John, Finance Broker, Seek Financial

30/10/2026

A quick update.....with the property market cooling around the Moreton Bay region following the budget and interest rate increases, there are more opportunities in the market for those first home buyers or those looking to upgrade their family home.
If you are thinking about buying, now's a great time to chat.

27/10/2026

I’ve been a Peninsula local for over 20 years, and now with my own business, I’m proud to back local every day — through the finance work I do and by choosing local for my own needs.

If you’re a local business looking to upgrade tools, vehicles or equipment, asset finance can help you grow without the upfront hit.

I can even help you if you are looking to upgrade or purchase a vehicle for the family too!

Let’s support local and grow our community together.

12/10/2026

Did you buy your property with a smaller deposit over 2 years ago?
If you did, you may be paying higher rates because of the loan‑to‑value ratio (LVR) at the start of your loan. LVR doesn’t stay the same forever — your equity may have improved more than you think. If you’d like to check where you stand and whether a better rate is within reach, please get in contact with me.

12/10/2026

If you’re looking for authentic and engaging images for your online platform, I highly recommend Marilyn Davies Photography

29/09/2026

As widely expected, the RBA have today lifted the cash rate by 0.25% to 4.60%. In financial terms, for every $100,000 you have outstanding on your mortgage (excluding offset), you will now be paying $83 more per month than you were in January 2026.
If you want to find out how this news affects you, please reach out and let's have a chat.

28/09/2026

24/09/2026

Next week the RBA will review economic conditions and make its cash‑rate decision. Should the rate rise as forecast, it will be the fourth increase this year.

Put simply, if your home loan is $500,000, you will be paying over $400 more each month than you were at the start of the year.

If you are interested to find out what other options you have, please reach out and let's have a chat about your options.

09/09/2026

Last week I had the good fortune to be invited to appear on the Get Busy Living podcast with Dr Scott Fox from Sixth Sense Accupuncture.
When I started my new business, I knew I needed to get outside of my comfort zone and this is an example of that. Thanks Scott for inviting me along and to my followers, please take a look.
https://www.facebook.com/10158989036271296/videos/1054794613962009

18/06/2026

Great news for borrowers following the latest RBA decision.
Is your home/investment loan still the right fit for you?
If you are not sure, please reach out via DM or call me on 0411 011 439 to discuss.

At its meeting today, the Reserve Bank of Australia (RBA) decided to leave the cash rate unchanged at 4.35%.

Today's decision reflects the RBA's cautious approach as it continues to assess inflation, economic growth and the impact of previous interest rate changes.

While inflation remains above the RBA's target range, higher interest rates continue to weigh on household spending and broader economic activity. There also remains uncertainty around property prices following last month's proposed taxation changes.

You can read the full statement here: https://www.rba.gov.au/media-releases/2026/mr-26-15.html

16/06/2026

Following the announcement in the recent Federal Budget regarding investment properties, this has led to a number of queries from clients including the following question:

"Can I make my current home an investment property (and purchase another property to live in) and for this property to eligible to receive the 50% CGT discount and negative gearing benefits?"

Assuming the current property was owned at 7.30pm AEST, 12 May 2026, this is an option for clients to consider, however, is subject to a number of factors. If this is something you are considering, I would recommend that you discuss this with your accountant or financial planner. I have attached some recent useful links below.

If you would like to discuss the lending side of this scenario or have any other lending requirements, please contact me:

Mobile: 0411 011 439
Email: [email protected]

Budget 2026-27 https://lnkd.in/gFMpE_Z3
ATO Tax Reform https://lnkd.in/gXiaHnEt