Hfinance - Sydney Mortgage Broker

Hfinance - Sydney Mortgage Broker hfinance is a local mortgage brokering service. Based in the Inner West, Sydney.

We service local home owners and Australian expats in achieving their property & financial goals.

🏛️ BUDGET WATCH — the 2026–27 Federal Budget is one of the biggest for property in years. Here's what actually matters.F...
07/06/2026

🏛️ BUDGET WATCH — the 2026–27 Federal Budget is one of the biggest for property in years. Here's what actually matters.

First home buyers: the 5% deposit scheme continues (5% down, no LMI), the foreign-buyer ban on existing homes is extended, and a record $47B is going into housing supply.

Investors (proposed, from 1 July 2027): negative gearing limited to new builds, and the 50% CGT discount replaced with indexation plus a 30% minimum on real gains. Existing investments held before 12 May 2026 are grandfathered.

The smart read isn't panic — it's planning. Most changes don't start until 2027.

General info, not tax advice. Want to know how it affects your plans? Visit the link in bio.

Australia’s property and investment landscape could be heading for major change.In this episode, Jeremy Harper sits down...
24/05/2026

Australia’s property and investment landscape could be heading for major change.

In this episode, Jeremy Harper sits down with Jack Henderson of Henderson Advocacy to unpack the proposed CGT changes, negative gearing reforms, trust tax implications, and what these shifts could mean for investors, homeowners, and the broader market.

With uncertainty continuing to shape borrowing and investment decisions, understanding the potential long term impact has never been more important.

Watch the full conversation here:
https://www.youtube.com/watch?v=8UqlcnszYHM

13/05/2026

Australia’s tax system could be heading for major changes and the impact may be bigger than most people realise.

In this episode, Jeremy Harper and Jack Henderson break down the proposed CGT changes, negative gearing reforms, trust taxes, and what it could all mean for investors, business owners, and everyday Australians.

Watch the full episode on our YouTube channel — link in comments 👇

The RBA just lifted the cash rate to 4.35% — its third hike this year (5 May, vote 8–1). On a $750k variable loan, that'...
11/05/2026

The RBA just lifted the cash rate to 4.35% — its third hike this year (5 May, vote 8–1).

On a $750k variable loan, that's around +$115/month from this hike alone, or ~$345/month since February.

If your rate starts with a 6, it's time for a review. DM us and we'll benchmark you across 30+ lenders in 15 minutes. ☕

The RBA meets 4–5 May with the cash rate sitting at 4.10% and February inflation still hot at 3.7% above the 2–3% target...
03/05/2026

The RBA meets 4–5 May with the cash rate sitting at 4.10% and February inflation still hot at 3.7% above the 2–3% target band.

Markets are split: a hold keeps your variable repayments steady and the refinancing window open, while another +25bps hike adds roughly $115/month to a $750k loan. Either way, this is the meeting that sets the tone for winter borrowing.

Source: Reserve Bank of Australia [rba.gov.au]

A favourable purchase isn’t just a discount, it’s a strategy. By structuring the deal correctly, leveraging equity, and ...
28/04/2026

A favourable purchase isn’t just a discount, it’s a strategy.

By structuring the deal correctly, leveraging equity, and presenting a clean financial profile, this transaction turned complexity into opportunity, allowing a single mother to secure her home without LMI and with long-term financial stability.

This is what smart lending looks like when every detail is done right.

Your loan repayments might be costing you more than you think 👀Most people focus on getting approved…But what really mat...
16/04/2026

Your loan repayments might be costing you more than you think 👀

Most people focus on getting approved…

But what really matters is what you’re committing to every month.

Your loan repayment isn’t just a number, it’s what shapes your lifestyle, savings, and long-term financial freedom.

Here’s what actually impacts your repayments:

✔️ Loan amount – The more you borrow, the higher your repayments
✔️ Interest rate – Even a small change can mean thousands over time
✔️ Loan term – Longer terms = lower monthly payments, but more interest paid overall
✔️ Repayment type – Principal & interest vs interest-only can make a big difference

The mistake?
Guessing what you can afford instead of calculating it. Because a difference of just a few hundred dollars a month can be the difference between feeling comfortable… or financially stretched. Before you commit to anything, run your numbers properly.

Use our loan repayment calculator to see exactly what your repayments could look like based on your scenario. Check the loan repayment calculator, link in the comments.

Waiting to save 20% could take years.And in that time, property prices may continue to move beyond your reach.Sometimes,...
15/04/2026

Waiting to save 20% could take years.
And in that time, property prices may continue to move beyond your reach.

Sometimes, getting in with a smaller deposit strategically can put you ahead.

The key isn’t just how much you’ve saved.
It’s understanding your options and having the right plan.

You don’t need a 20% deposit anymore 👀A lot of buyers are still sitting on the sidelines thinking they’re “not ready” wh...
14/04/2026

You don’t need a 20% deposit anymore 👀
A lot of buyers are still sitting on the sidelines thinking they’re “not ready” when in reality, these government schemes are designed to get you in sooner.

With the 5% Deposit Scheme, you can secure a home with a smaller deposit without the extra cost of LMI. And with Help to Buy, you could enter the market with as little as 2% while reducing your loan size through shared equity.

The biggest mistake right now isn’t rushing, it’s waiting without knowing your options.

If you’ve been thinking about buying, this might be your sign to start exploring what’s actually possible.

Easter Holiday NoticePlease note that our office will be closed in observance of Good Friday through Easter Monday.🗓 Clo...
02/04/2026

Easter Holiday Notice

Please note that our office will be closed in observance of Good Friday through Easter Monday.

🗓 Closed: Friday to Monday
🟢 Reopening: Tuesday, April 7

We’ll be back and ready to assist you with all your finance and mortgage needs after the long weekend.

Wishing you a safe and restful Easter break.

Address

Railway Avenue
Stanmore, NSW
2048

Opening Hours

Monday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 11am

Telephone

+61405118464

Website

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