Civic Finance

27/08/2026

Property transactions involve big bucks – and that makes them a big target for scammers. With large sums of money at stake, we reveal what to look out for, and how to protect yourself from property settlement scams. 🔎 🏡

Property transactions involve big bucks – and that makes them a big target for scammers. With large sums of money at stake, we reveal what to look out for, and how to protect yourself from property settlement scams. Mention ‘scams’ and it’s easy to think of dodgy investment schemes or fake o...

26/08/2026

🏡 1-in-3 home buyers rely on the bank of mum and dad 🏡⁣
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That's the latest survey data from Compare the Market.⁣
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But beware: lenders may check that financial support is a gift, not a loan to be repaid. ⚠️⁣
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Otherwise it may reduce your borrowing capacity. 📉⁣
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And banks still want to be sure you can comfortably manage loan repayments. 🏡⁣
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Speak to us first to find out how mum and dad can potentially lend a helping hand - without leading to hiccups during your loan application. 👇⁣
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To find out more, contact Civic Finance on:
☎ – 0431 413 344
💻 – [email protected]

24/08/2026

💳 The BNPL trap: how it could impact your home loan application 💳⁣
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Buy Now Pay Later (BNPL) may be quick and convenient, but it could affect your home loan application and/or credit rating. 🏡⁣
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That's because every time you apply for BNPL, it may trigger a credit check. 🔍⁣
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And too many credit checks can affect your credit score and be a red flag for lenders. 🚩⁣
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Late or missed BNPL payments can also be reported, which could reduce your credit score even further. ⁣
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Talk to us to know how BNPL could impact your loan application. 👇⁣
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To find out more, contact Civic Finance on:
☎ – 0431 413 344
💻 – [email protected]

20/08/2026

🗞📰 𝗧𝗵𝗲 𝘀𝗶𝗹𝘃𝗲𝗿 𝗹𝗶𝗻𝗶𝗻𝗴 𝗼𝗳 𝗮 𝗰𝗼𝗼𝗹𝗶𝗻𝗴 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗺𝗮𝗿𝗸𝗲𝘁 𝗳𝗼𝗿 𝗵𝗼𝗺𝗲 𝗼𝘄𝗻𝗲𝗿𝘀 📰🗞⁣⁣⁣⁣⁣⁣
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While rising prices were the talk of the town not so long ago, the tide has started to turn, with property values beginning to soften – but it’s not all bad news for home owners. 🙌⁣⁣
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https://www.civicfinance.com.au/the-silver-lining-of-a-cooling-property-market-for-home-owners/

19/08/2026

🏡 Property listings climb higher, FOMO dials down 🏡⁣
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Things are looking up for homebuyers, reports Domain. 📈⁣
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Not so long ago FOMO (fear of missing out) was a driving force in the housing market. 😬⁣
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Today, new listings are up - while property prices in many parts of the country have plateaued (or even dipped).⁣
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That means buyers could have more negotiating power, and seller discounts are on the rise. ⁣
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It’s a trifecta that could see the stars align for your homebuying plans. ⭐⁣
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Contact us to see how you could benefit. 👇⁣
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To find out more, contact Civic Finance on:
☎ – 0431 413 344
💻 – [email protected]

17/08/2026

📉 Lenders cut rates as competition heats up 📉⁣
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There’s a “rate war brewing”, according to Canstar. ⁣
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A rising tide of lenders have cut their variable loan and short term fixed rates recently. ⁣
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The catch? ⚠️⁣
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Lower rates are usually reserved for new customers. 💡⁣
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The solution? 🤝⁣
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Refinancing could see you become a new customer, and benefit from a more competitive loan rate. ⁣
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Contact us to find out how. 👇⁣
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To find out more, contact Civic Finance on:
☎ – 0431 413 344
💻 – [email protected]

12/08/2026

🏡 Could your tax refund help wipe years off your home loan? 🏡⁣
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The average tax-agent prepared tax refund is $3,550, according to H&R Block. ⁣
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Those extra funds could potentially help you pay off your mortgage sooner.⁣
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That’s because 100% of additional lump sum payments reduce your home loan principal. 📉⁣
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In turn, that lowers the total amount of interest you're charged each month thereafter.⁣
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So more of each of your following monthly repayments work harder to pay down the loan balance. 📊⁣
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Call us to know how to put your tax refund to work lowering your home loan. 👇⁣
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To find out more, contact Civic Finance on:
☎ – 0431 413 344
💻 – [email protected]

10/08/2026

💪 Two-thirds of home loan borrowers focus on paying down debt 💪⁣
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A survey by Agile Market Intelligence shows 65% of home loan borrowers are currently focusing on paying down their mortgage sooner. 🙌⁣
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Even small extra repayments can make a considerable difference over the long run when it comes to paying less interest and reducing your home loan term. ⁣
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Talk to us for strategies that could potentially help you clear the home loan slate sooner. 👇⁣
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To find out more, contact Civic Finance on:
☎ – 0431 413 344
💻 – [email protected]

06/08/2026

🗞📰 𝗪𝗮𝘀 𝘆𝗼𝘂𝗿 𝗼𝗳𝗳𝘀𝗲𝘁 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 𝗳𝗹𝗮𝗴𝗴𝗲𝗱 𝗶𝗻 𝘁𝗵𝗲 𝗔𝗦𝗜𝗖 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗴𝗮𝘁𝗶𝗼𝗻? 📰🗞⁣⁣⁣⁣⁣⁣⁣
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So it turns out some mortgage offset accounts haven’t been working as intended, according to a recent investigation. Here’s how to check if your home loan offset account has actually been helping you save. 🔎 🏡⁣⁣⁣
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https://www.civicfinance.com.au/was-your-offset-account-flagged-in-the-asic-investigation/

05/08/2026

🩺 What happens in a home loan health check? 🩺⁣
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First, we check the pulse of your loan: does it still meet your needs? 💡⁣
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Next, we look at vitals like the interest rate and loan features. 📊⁣
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Then we scope the market to see if you could secure a lower interest rate or save money on fees. 💰⁣
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It’s all about having the home loan that helps keep you in great financial shape. 🏡⁣
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Call today to arrange a home loan health check. 👇⁣
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To find out more, contact Civic Finance on:
☎ – 0431 413 344
💻 – [email protected]