AussieFin

24/03/2026

24/03/2026

COST OF LIVING – WHY STRUCTURE MATTERS MORE THAN EVER

It’s no secret — the cost of living in Australia has increased significantly. 🇦🇺
From groceries and fuel to insurance and rent, households are feeling the pressure.
In this environment, finance decisions matter more than ever.
What most people don’t realise is that small changes in how your loan is structured can make a big difference over time.
Things like:
• Loan term (short vs long)
• Repayment type
• Balloon/residual options
• Choosing the right lender
These factors can impact your weekly cash flow just as much — if not more — than the interest rate itself.
That’s why tailored finance is so important right now.
👉 If your current setup feels tight, it might be worth reviewing

31/10/2025

Hi there,

I hope you’re having a great month! With the end of the year fast approaching, car, ute and van deals are kicking off as dealerships clear stock and chase annual sales targets.


What do cars have to do with your mortgage broker?


You might be surprised – I can help with vehicle finance, structuring your loan smartly and keeping it aligned with your overall borrowing goals.

Why now’s a good time to upgrade

The weeks leading up to Christmas present great opportunities for vehicle buyers:

• Run-out deals and bonus offers.
• Seasonal promos (think Black Friday and pre-Christmas).
• Competitive finance as lenders chase end-of-year business.

If your car’s feeling a little tired, or if you’re running a business and planning for 2026, it could be the perfect moment to explore your options.

How I can help

• Compare loans from some of our 50+ lenders.
• Find sharp rates and smart loan structures.
• Advise on tax-efficient business options.
• Show you exactly what repayments could look like.


Book Now


for a quick chat to get started


First-home buyers are on the move


It’s not just car yards seeing more action – more first-home buyers (FHB) are entering the market too. While the latest quarterly data isn’t yet available, ABS figures from the June quarter show the number of new owner-occupier FHB loans rose 1.7% to 28,861. The total value of those loans also increased 5.7% to $16.3 billion.

With the expansion of the Home Guarantee Scheme – also known as the 5% Deposit Scheme – on 1 October, home ownership is becoming more accessible, with:

• Unlimited places now available.
• No income caps.
• Higher property price caps.

These updates have opened the door for more Australians, with the number of eligible suburbs almost doubling and more lenders joining the scheme – giving buyers greater choice and flexibility.


How I can help get you on the ladder


Now’s the time to check your eligibility; you might be closer to owning than you think. I can confirm if you qualify and guide you through the process, so you can focus on the fun part: house hunting!

Whether it’s new wheels or your first home, let’s explore your options before the end-of-year rush.

Chat soon,
Tinus

24/09/2025

Did you know energy-efficient homes attract almost 14% more buyer interest? Today’s buyers don’t just want a new kitchen; they’re after a home that works smarter, costs less to run, and treads lightly on the environment.

Simple upgrades – from solar panels and insulation to efficient appliances, native planting, or switching from gas to electricity – can make a real difference. You could save on bills, lift your property value, and help the planet.

And here’s a bonus: some lenders now offer green loans with discounted rates for eco-friendly upgrades. I can help you find the right loan from one of our 50+ lenders.


What’s happening in the property market?


Spring is here, and activity is heating up. But not all markets are moving the same way:

• Melbourne, Hobart, Darwin, and regional centres: Auctions are buzzing, stock is tight, and competition is fierce.
• Perth, Adelaide, and Brisbane: Conditions are more balanced, with more homes coming onto the market.

How I can help you win this spring


When the right property comes up, you don’t want to miss out. Here’s how I can give you the edge:

• Pre-approval sorted so you can buy with confidence.
• Tailored advice on the best loan for your situation.
• Auction support and tips so you’re not left guessing.
• Bridging loans if you’re buying before you sell.
• Grants and incentives explained, including the First Home Guarantee launching 1 October.


Ready to go green or keen to buy this spring?


Get in touch today, and let’s make sure you don’t miss out on your dream home.

Warm regards,
Tinus

25/08/2025

Great news for new home buyers please feel free to contact us if you are looking at buying a property.

A scheme to allow all first homebuyers to purchase a property with only a 5 per cent deposit will begin in October, three months earlier than Labor promised at the federal election.

28/05/2025

With the 20 May rate cut confirmed, inflation back within the RBA’s target range, and competition among lenders heating up, there’s finally some good news for mortgage holders.

Many banks are trimming fixed and variable rates, but not all borrowers benefit equally. Some lenders apply cuts to all loans, while others save the best deals for new customers. That means:

Your rate might drop by 0.25% – while new borrowers could get 0.35% or more.

That’s where I come in. As your broker, I can check if your loan is still competitive and help you refinance or renegotiate if it’s not.


Got ATO tax debt? Act before 30 June


From 1 July 2025, interest on unpaid ATO debt will no longer be tax-deductible, and the current rate is approximately 12% p.a. Read more here.

Refinancing to repay it via a home loan could preserve tax deductibility and reduce your costs. If this affects you, let’s chat – or speak with your accountant to plan your next move.

This information is not meant to serve as tax advice. For personalised tax guidance, please consult a registered accountant/tax adviser.


New support for homeowners in the 2025 Budget


While that’s one cost to watch, there’s also some encouraging news in the 2025 Budget to support buyers and ease household pressure:

• $800M Help to Buy expansion – more access to shared equity homeownership.
• Foreign buyer limits – a two-year ban on existing property purchases may ease demand and support local buyers.
• 20% HECS-HELP debt cut from 1 June – boosting many buyers’ borrowing power.

All up, between government support and falling rates, the outlook is shifting in favour of borrowers.

With competition intensifying across the lending market, now’s a smart time to review your loan. Book a complimentary review with me today and let’s see what’s possible.

Warm regards,
Tinus

29/04/2025

With the end of the financial year fast approaching on 30 June, now’s the ideal time to sort your finance for a new vehicle or essential equipment – whether it’s for business or personal use.

Why act now?

Dealers and manufacturers often roll out major discounts in the lead-up to EOFY to clear stock and meet their sales targets. Getting pre-approved means you can move quickly and take full advantage of those limited-time deals.

Looking to finance a purchase? I can help.

✅ Passenger vehicles, utes, vans
✅ Trucks and trailers
✅ Machinery and equipment
✅ Yellow goods
✅ Plant and equipment
✅ … and more!


Why choose me?


• Industry specialist: Benefit from my expertise in asset finance.
• Wide lender network: Access to over 50 lenders.
• Smooth experience: Enjoy hassle-free service with fast approvals and settlements.
• Pre-approvals: Secure pre-approval to shop confidently for a bargain.

Don’t wait – get organised now.

EOFY discounts are available on many of the above asset types, making it an excellent time to purchase essential business assets or consider upgrading your business or personal vehicle.

Contact me today to explore your lending options and ensure you are set for the new financial year.

Warm regards,
Tinus

07/03/2025

Hi AussieFin Family

We are thinking of you as Alfred approaches. If you’re in Queensland, we hope you and your loved ones stay safe and, as your broker, we want you to know we’re here to support you.

Just like much of Queensland, we are very nervous about what lies ahead – Will my house be damaged? Will my business be affected? This is where we can help you navigate this event. As brokers, we’re uniquely positioned to offer real, practical support to those who need it. We have pulled together a list of ways we may be able to assist, whether it’s guiding you through mortgage options, financial support, or just being available for you in a tough time.

What You Might Need Right Now

🏠 For Homeowners
1. Mortgage assistance: Many lenders offer hardship support, such as repayment deferrals. We encourage you to call them early.
2. Insurance claims: Be sure to document everything – photos, receipts, anything that supports your claim – and contact your insurer ASAP if you need to.
3. Government assistance: The QLD Government has emergency grants and financial relief available. You can call the Community Recovery Hotline on 1800 173 349 for help.

🏢 For Business Owners
1. Financial help: There are disaster recovery grants and low-interest loans available – you can check with the QLD Government for details.
2. Keeping things running: Some businesses might need to find alternative workspaces or adjust operations. Please check-in with us if you need help planning your next steps.
3. Supporting your staff: You should be clear with your employees about closures, safety, and available financial support.

🧠 For Mental Health & Wellbeing
1. This is a stressful time for a lot of people. We encourage services like Lifeline (13 11 14) and Beyond Blue (1300 22 4636) – sometimes just knowing help is there makes a big difference.

📌 Practical Steps for Recovery
1. Damage assessment: If you have been affected, take photos and note down everything impacted – this will help with insurance and financial assistance.
2. Talk to us early: The sooner you reach out, the more options you have to manage lender repayments and keep things on track.
3. Stay connected: Whether it’s neighbours, community groups, or local businesses, keeping people talking and sharing resources makes recovery easier.

Key Contacts
1. State Emergency Service (SES): 📞 132 500 (for flood and storm help)
2. QLD Government Disaster Recovery: qld.gov.au/community/disasters-emergencies
3. Stay connected: Whether it’s neighbours, community groups, or local businesses, keeping people talking and sharing resources makes recovery easier.

Find information about what to do in a natural disaster or emergency including preparation, our crisis and support hotlines, and recovery after a disaster.

28/02/2025

For our foreign investors please take note !!

https://www.ato.gov.au/about-ato/new-legislation/in-detail/international/banning-foreign-purchases-of-established-dwellings?fbclid=IwY2xjawIubChleHRuA2FlbQIxMQABHZ69VfO2MkxFWOK6aFKZdI5TRL38bkaZWMSspaPh3uy1x6O4kb35qj6qqQ_aem_NmC-OssXI3KcDO6RpXZQFA

Changes to foreign purchases of established dwellings.