Insider Finance

Insider Finance Mortgage Broker Specialists with 20 yrs of industry experience & knowledge. You'll be in good hands!

Established in 2020, Insider Finance is a small, boutique mortgage & finance brokerage. We pride ourselves on delivering exceptional customer service and experience. Our team; Matt, Bree, Regan and Mel are here to support each and every client in this ever changing world of finance. We offer finance for all purposes including:

- Home
- Investments
- SMSF
- Commercial
- Car
- Business

Each team m

ember has over 20 years of experience in the lending industry so you know you're in good hands. To start your home loan enquiry with us, connect with us:

📍14a/1 Fairfax Street, Sippy Downs
📞07 2112 1379
📧 [email protected]
📲 Facebook messages
💻www.insiderfinance.com.au

08/06/2026

⚡🚗 Buying an EV? Here’s a fun fact you might not know!

When it comes to valuing an electric vehicle, it's NOT about the kilometres travelled like traditional cars. 🚘
👉 It’s ALL about the condition of the battery 🔋 — because the battery is the most valuable (and expensive!) part of an EV.

If you’re buying a second-hand EV:
✅ Always ask for a battery health certificate
✅ Check how many charge cycles it’s had
✅ Verify remaining battery warranty
Why?
A car with “low kms” but an old or worn battery might cost you BIG on repairs or replacements.
💡 Handy tip: Some lenders are now offering special finance for EVs — if you're curious, we can help you explore options!

☎️0480421806
✉️[email protected]
💻 Make a booking - Visit our website www.insiderfinance.com.au

07/06/2026

💡 Repeat After Me: It’s NOT about the rate! 🏡💰

Yes, we love a sharp rate! 📉

But here’s the thing:
Getting a loan is about finding the RIGHT match — like a perfect long-term relationship 💑, not just a one-night stand! 😄
Here’s what we really consider when helping you find the right loan:

✅ Your goals — are you planning renovations, debt consolidation, investment?
✅ Your life stage — growing family, career change, retirement?
✅ Your income type — PAYG, self-employed, contract?
✅ Your property plans — future upgrades or sales?
✅ Bank policy quirks — yes, they all have different “personalities” 😉
💬 In short: it’s matchmaking — your financial needs with the right lender.

A lower rate is great, but a mismatch could cause more stress long term.

If you'd like to chat about whether you're ready for a better match, contact us today.

☎️0480421806
✉️[email protected]
💻 Make a booking - Visit our website www.insiderfinance.com.au

06/06/2026

Got an investment pre-approval?
Pause before you buy. 🛑🏡

Thinking of buying an investment property with an existing pre-approval?
You may need to stop and check your numbers again. 👀
Following the Federal Budget announcement, some lenders have already started changing how they assess negative gearing when calculating borrowing capacity.
That means your current pre-approval may not automatically mean you can still borrow the same amount — especially if you’re buying an established investment property.
The key issue?
Your lender may now assess your ability to repay the loan differently. 🏦
Before you sign a contract or rely on an old approval, let’s review:

✅ Your current lender’s policy
✅ Whether your property type still qualifies
✅ Your updated borrowing capacity
✅ Whether your approval needs to be refreshed

The goal posts are moving — and this is exactly when good advice matters. ⚽️
📲 Already pre-approved for an investment purchase?
Contact us before you make your next move.

☎️0480421806
✉️[email protected]
💻 Make a booking - Visit our website www.insiderfinance.com.au

Australia's housing pipeline is moving in the wrong direction, again.Total dwelling approvals fell 3.4% in April to 16,7...
06/06/2026

Australia's housing pipeline is moving in the wrong direction, again.

Total dwelling approvals fell 3.4% in April to 16,710, according to the Australian Bureau of Statistics, following a 10.5% drop in March. That leaves annual approvals at 200,424 homes, well short of the 240,000 needed each year to meet the federal government's National Housing Accord target of 1.2 million new homes by 2029.

And the headline figure flatters the reality. Approvals are only the first step in the construction process. Not every approved home gets built, and with construction costs still elevated, labour shortages persisting and financing harder to secure, the gap between what gets approved and what actually gets delivered continues to widen.

Australia's population keeps growing. Its housing pipeline keeps shrinking. Until that changes, the pressure on prices and rents is going nowhere.

05/06/2026

— Investors —

Your borrowing power may have changed. 🏡📉

If you’re planning to buy an investment property, your maximum borrowing capacity may not be what it was a few weeks ago.
Some lenders are now changing how they treat negative gearing in their servicing calculations. 🏦
In plain English?
They may no longer give you the same benefit for investment property tax deductions when working out how much you can afford to borrow.
This could impact:

💰 How much you can borrow
🏦 Which lender is right for you
📄 Whether your existing pre-approval still works
⏰ How quickly you need to act before signing a contract

This doesn’t mean investors should panic.
It does mean your strategy needs to be checked properly before you buy. 👀

📲 If you’re planning to purchase an investment property this year, let me guide you through the new lending landscape.

☎️0480421806
✉️[email protected]
💻 Make a booking - Visit our website www.insiderfinance.com.au

04/06/2026

Instant Asset Write-Off for Small Business 💼✨

Small business owners — this one is worth a quick EOFY check-in. 👀
For the 2025–26 financial year, eligible small businesses may still be able to access the $20,000 Instant Asset Write-Off.
In plain English?
You may be able to immediately deduct the business-use portion of eligible assets, rather than depreciating them over time.
This could apply to things like:
🖥️ Computers, laptops and office equipment
📱 Phones and business tech
🖨️ Printers, scanners and equipment
🪑 Office furniture
🔧 Tools and equipment
🚗 Some business-use assets, depending on eligibility and cost
A few key things to know:
✅ Your business generally needs annual turnover under $10 million
✅ The asset must cost less than $20,000
✅ It must be first used or installed ready for use by 30 June 2026
✅ Only the business-use portion can usually be claimed
✅ Eligibility depends on your business structure, asset type and tax position
And the important bit: buying something just for a tax deduction is not always smart strategy. Tax savings are great… unnecessary spending is still unnecessary spending. 😅
Before you rush into an EOFY purchase, speak with your accountant and make sure it actually makes sense for your business.
📲 Need finance for equipment, business assets or cash flow before EOFY? Let’s chat and work through your options.

Australia's housing market essentially ground to a halt in May, with Cotality's national Home Value Index recording 0.0%...
03/06/2026

Australia's housing market essentially ground to a halt in May, with Cotality's national Home Value Index recording 0.0% growth for the month.

But a flat national number masks a growing divide. Sydney fell 0.9% and Melbourne dropped 0.8%, both now sitting meaningfully below their November peaks. Perth and Darwin, meanwhile, rose 1.5%, and Brisbane gained 0.9%.

Cotality research director Tim Lawless said the direction is becoming more consistent across the country, even if the pace still varies. "Most markets are losing momentum as demand-side headwinds intensify."

Higher interest rates, stretched affordability and the federal budget's changes to negative gearing and capital gains tax are all bearing down on buyer demand. National home sales over the past three months were 2.2% lower than a year ago.

“The largest drop in estimated sales can be seen in Sydney and Melbourne, down 17.0% and 14.2% on levels a year ago,” said Mr Lawless. “These are also the cities where advertised supply has risen to above average levels, providing more choice and better leverage for buyers.”

02/06/2026

We are thrilled to assist our clients in purchasing their investment property here on the beautiful Sunshine Coast.

Thank you to our cross-industry partners -

McGrath Sunshine Coast

Conveyancing First Solicitors Maroochydore
[email protected]

Whether you're a first-time investor or expanding your portfolio, our team is dedicated to providing expert guidance every step of the way.

Let us help you turn your property dreams into a rewarding reality.

Contact us today⬇️

☎️0480421806
✉️[email protected]
💻 Make a booking - Visit our website www.insiderfinance.com.au

Thanks for the kind words - we appreciate you trusting us, Jack and Rhianna. Glad we were able to find a nice fit for yo...
02/06/2026

Thanks for the kind words - we appreciate you trusting us, Jack and Rhianna. Glad we were able to find a nice fit for you. We're always here if you need anything in the future outside of our standard check-ins during the year - Bree & Matt :-)

Address

14a/1 Fairfax Street Sippy Downs
Sunshine Coast, QLD
4556

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61721121379

Website

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