RGF Finance

31/05/2026

Scam Alert – EOFY Warning 🚨

As we approach the end of financial year, scam activity ramps up – particularly around tax time.

Be on the lookout for these common red flags

🔴 Pressure tactics – “Act now” or your account will be frozen
🔴 Unusual payment requests – new or changed bank details (especially last minute)
🔴 Requests for passwords or codes – banks will never ask for these
🔴 Unexpected contact – calls, emails or texts from “your bank”, ATO or myGov
🔴 Suspicious links or attachments – fake login pages are common
🔴 Too good to be true investments – high return, low risk
🔴 Requests for remote access – a major warning sign
🔴 Unfamiliar transactions or security alerts

⚠️ Common EOFY scams include:

• Fake tax refunds or payment demands
• Emails/SMS pretending to be from the ATO or myGov
• Requests to “confirm” personal or banking details

✅ Always stop and verify through official channels

And remember — RGF Finance and your bank will NEVER ask you to:
• Share passwords or security codes
• Transfer money “to keep it safe”
• Request access to your bank accounts (we request bank statements be sent to us, not access to your bank account or login details)

If something feels off, trust your instincts and double-check.

14/05/2026

ATO Debt - overdue Tax and GST and employee Super.....

For any business owners, paying Tax & GST and employee super is part of running a business. But sometimes cash flow requirements see businesses get behind on this.

The ATO is coming down harder than ever before on overdue tax debt and interest and penalties quickly mount up.
Often, the ATO requires a payment plan that you just can't meet.

Super obligations will get tougher from 1st July.
Unpaid super must be paid to bring it up to date and all super will be required to be paid to employees in line with their pay cycle, not quarterly.

That's where we come in....
If you have equity in property, you may have options to refinance your loan to payout the ATO and super obligations.
If you ask your bank to do this, they will most likely say they can't help you - they don't like tax debt.

However, we have access to a number of lenders that will payout your ATO debt, clean things up so you can move on without the stress and keep things on track again (note - the interest rate to payout the ATO debt is much less than the ATO interest being charged!). The debt for ATO Payout can be kept separate to your home loan for accounting purposes.

Please don't ignore these types of debts - they don't go away by themselves.
Contact us if you need assistance with this.

Avoid Directors Penalty Notices, avoid insolvency, avoid high ATO interest and penalties.

13/05/2026

2026 Federal Budget - unpacked...

The new Federal Budget is out, and there are some BIG changes - especially around property and tax.

Here’s a simple breakdown:

Property investors
Negative gearing will be limited to new builds only from July 2027.
Can still apply negative gearing for new purchases from today until July 2027.
CGT discounts are changing (higher tax on gains)
No 50% discount on future gains (for the post‑July 2027 portion)
- Existing properties are grandfathered (no change if already owned). But if you signed a contract from 7:30pm 12th May the grandfathering rules do NOT apply 😃

Tax & cost of living 💰
$1,000 instant tax deduction from 1 July 2026
Extra tax cuts coming, plus a $250 annual offset from 2027–28 (paid from 2028)

Small business owners
$20,000 asset write-off now permanent

Housing focus 🏡
Government is pushing for more new builds and wants to help more first home buyers into the property market.

Key timing:
✔️ No negative gearing for contracts signed from today 13th May 2026
✔️ Biggest investor changes from 1 July 2027

What this means:
This is a major shift away from investor incentives and instead towards new housing supply and for owner-occupiers & first home owners.
If you own investment property (or are thinking about buying one), the next 12–24 months are key for planning.

This information is general in nature and does not consider your individual circumstances - speak to your Accountant.

12/05/2026

Federal Budget Tonight - big reforms expected regarding tax and housing....

We will watch with interest tonight from 7:30pm as the Federal Budget is handed down for 2026.

It is a budget that is expected to deliver some of the biggest changes to the Australian tax system in the past 25 years.

Some of the big ticket items on today's agenda:

1. Negative Gearing (we expect that anyone who buys a property after the budget to negatively gear until June 20, 2027, only. Then it’s new homes only for negative gearing. The reforms are expected to create big changes for investorsbut there are grandfathering rules to be put in place, which should mean it doesn't impact those who already have investment properties. The Government's goal with the reforms, is to assist younger Australians into the property market.

2. Capital Gains Tax (current policy expected to be abolished and replaced)

3. Tax Perks (claiming up to $1000 tax deductions without receipts and $20k instant asset write off for small businesses to remain)

4. Tax Cuts (two more tax cuts to every Australian taxpayer in 2026 and 2027)

5. Fuel Security (establish first government-owned fuel reserve and lift the minimum stockpile requirement by 10 days under new fuel security measures)

6. Migration (levels expected to be reduced)

7. NDIS (major overhaul of the National Disability Insurance Scheme 'NDIS' designed to save the government $35 billion

12/05/2026

While we celebrate the awesome work that Nurses do - some lenders also like what they do too!

We have options to help nurses get ahead with their property goals, by having options where LMI is waived for this occupation! 🏡🙂

Midwives working for a hospital have also been added to this list recently.

If you are a nurse, midwife or paramedic and don't have a 20% deposit (and don't qualify for first home owner perks) but want to reduce your cost by avoiding LMI for a purchase or refinance, get in contact and we'll assist you.

11/05/2026

Got big property goals but not a big deposit?
You may still have options...

Just because your deposit is limited does not mean your plans need to be limited.
We work with lenders who allow eligible borrowers to purchase with as little as a 2-3% deposit plus costs, depending on the scenario, lender, income, property type and overall strength of the application.

Further options are available for those with a 5% deposit plus costs but not every one has 5% deposit saved up yet - due to cost of living, rent payments and property prices!

The options we have for deposits of 2-5% can help with the following:

🏡 Buying your first home
📈 Purchasing your first investment property
🔑 Getting into the market sooner
😁 Avoiding having to save for longer while having prices increase at the same time

If you want to talk strategy, plan ahead and make 2026 your year, contact us and we'll assist you.

08/05/2026

05/05/2026

RBA has increased interest rates again today - up 0.25%.

An increase of 0.25% increases a home loan size of $650,000 by approximately $104 per month.

The increase in loan repayments will add further stress to mortgage holders.

If you are saving for a home - it's time to capitalise on a good savings account to earn full interest - at least at 4.50% or more.

If you have a home loan and you have savings, consider putting those savings into a variable rate loan as redraw or an offset account to reduce the interest on the loan (you'll reduce interest at a higher rate than you will earn interest in a savings account).

If you haven't for a while - it's time to review your bank statements, check what you are spending and where you can cut back.

rate

29/04/2026

Did you know some lenders offer no LMI up to 90% of the value/price for essential workers?

You don't have to be a First Home Owner - LMI waiver is also applicable for next home purchases/upgrades and refinancing.

Eligible roles:
🩺 Nurses
📚 Teachers
👮 Police
🚑 Paramedics
👷 Firefighters

Doctors can obtain LMI waiver up to 95% LVR.

Avoid paying LMI if you can.
This can save you thousands - ask us for the details.

28/04/2026

It usually doesn't cost borrowers anything to use a Mortgage Broker! 😁

It's a common misconception that using a mortgage broker costs you money - in reality, in nearly all cases, there’s no cost to the borrower. 👏🏽

No upfront costs for you, no obligation - just expert help, from start to finish.

We’re paid for our time and expertise, by the lender, after your loan settles.
The proposed payment to be made by the bank to the broker, is transparent and disclosed in our Statement of Credit Assistance before the loan is submitted.
It is not part of your loan and not paid by you.

The bank pays the broker for our expertise in assisting the client and preparing the application - including but not limited to obtaining and reviewing all relevant documentation for a finance application, obtaining upfront valuations, ensuring that the lending policy and loan servicing is met and credit history is good - before the bank assesses the application. We help them do their job so that you are assured of a positive outcome. 🏡