Civic Finance

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Civic Finance

Civic Finance is a leading Australian mortgage brokerage with over 15 years of experience in assisting their clients to achieve financial goals.

25/05/2026

📱 Gen Zs urged to skip influencer advice 📱⁣
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Here’s a worrying finding. ⁣
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Money watchdog, ASIC, says two-thirds of Gen Zs (18–28) are turning to social media for financial information and help. ⁣
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Trouble is, that ‘help’ isn’t always high quality or trustworthy. 😬⁣
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And ‘advice’ from influencers isn’t based on personal needs. ⁣
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Let’s not even get started on social media being a hunting ground for scammers. 🕵️‍♂️⁣
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Buying a home is one of life’s most important financial steps - which makes getting tailored support pivotal.⁣
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And that's what we can offer. 🤝⁣
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Contact us to explore some home loan options that have been researched and matched for your needs. 👇⁣
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To find out more, contact Civic Finance on:
☎ – 0431 413 344
💻 – [email protected]

21/05/2026

🗞📰 𝗛𝗼𝗺𝗲 𝗹𝗼𝗮𝗻 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗿𝗮𝘁𝗲 𝗿𝗶𝘀𝗶𝗻𝗴? 𝗧𝗵𝗲𝗿𝗲 𝗺𝗮𝘆 𝗯𝗲 𝗼𝘁𝗵𝗲𝗿 𝗼𝗽𝘁𝗶𝗼𝗻𝘀 📰🗞⁣⁣⁣⁣⁣⁣
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Reforms to negative gearing and capital gains tax have been unveiled in the latest national budget. Here’s what they could mean for investors, first home buyers and home owners. 🏘️⁣⁣
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https://www.civicfinance.com.au/home-loan-interest-rate-rising-there-may-be-other-options/

20/05/2026

☕ 5% Deposit Scheme helps 300,000+ first home buyers ☕⁣
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Forget years of living on instant coffee and baked beans! You may not need a 20% deposit to buy your first home. ⁣
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The 5% Deposit Scheme has helped over 300,000 first home buyers get into the market with just a 5% deposit. 🏡⁣
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And because your loan is guaranteed by the government, you don’t pay lenders mortgage insurance. ⁣
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There are no waitlists. ⏳⁣
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No income limits. 💼⁣
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No place limits. 📍⁣
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And you’re free to buy an established home or build a new place. 🏗️⁣
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Talk to us about the 5% Deposit Scheme. It could be the helping hand that brings forward your home-buying plans. 👇⁣
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To find out more, contact Civic Finance on:
☎ – 0431 413 344
💻 – [email protected]

18/05/2026

😬 First home buyer regrets to avoid 😬⁣
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Here are the top regrets of first home buyers have about their mortgage, according to a survey by Money.com.au.⁣
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Paying too much in loan fees was the number one mistake. 💸⁣
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That’s followed by not having a loan with a competitive interest rate. 📉⁣
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Money.com.au found many first-time home buyers just apply for a loan with the first lender they come across. ⁣
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It’s only later they realise they have a loan that doesn’t suit their long-term needs. ⁣
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Skip the potential regrets. 🚫⁣
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Talk to us about a home loan that matches your needs, backed by a competitive rate. 👇⁣
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To find out more, contact Civic Finance on:
☎ – 0431 413 344
💻 – [email protected]

14/05/2026

🗞📰 𝗙𝗲𝗱𝗲𝗿𝗮𝗹 𝗕𝘂𝗱𝗴𝗲𝘁 𝟮𝟬𝟮𝟲: 𝗵𝗼𝘄 𝗶𝘁 𝗰𝗼𝘂𝗹𝗱 𝗮𝗳𝗳𝗲𝗰𝘁 𝘆𝗼𝘂𝗿 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗽𝗹𝗮𝗻𝘀 📰🗞⁣⁣⁣⁣⁣⁣
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Reforms to negative gearing and capital gains tax have been unveiled in the latest national budget. Here’s what they could mean for investors, first home buyers and home owners. 🏘️⁣⁣
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https://www.civicfinance.com.au/federal-budget-2026-how-it-could-affect-your-property-plans/

13/05/2026

⚠️ Renovations that could lower your home’s value ⚠️⁣
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There’s a lot at stake with home renovations - just because you spend money on home improvements, doesn't guarantee it will increase its value.🛠️⁣
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Homewares retailer Cooper & Co says more than one-in-three Aussies have renovation regrets. 😬⁣
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Some projects could even wipe up to $36,000 off your home’s value, they say. ⁣
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Prime culprits can include poor-quality laminate flooring, dark finishes that don’t have wide appeal, and open-plan designs that lack privacy. ⁣
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They suggest to skip here-today-gone-tomorrow trends, and instead pick reno options that are more timeless choices. ⏳⁣
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They’re more likely to appeal to buyers and protect long-term value. 🏡⁣
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Looking at renovating your place in 2026? Contact us for ways to fund your home improvements. 👇⁣
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To find out more, contact Civic Finance on:
☎ – 0431 413 344
💻 – [email protected]

11/05/2026

🏡 Keen to buy a home? Here's how to know you won't be stretched 🏡⁣
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Over 1-in-10 first home buyers plan to buy in the next 12 months. ⁣
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And almost 1-in-3 want to buy but they’re unsure if they’re financially ready. ⁣
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So, what are the signs that show you’re home-loan-ready right now? 💡⁣
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First, you usually have to have a stable job with a steady income. 💼⁣
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Next, you'll want at least a 5% deposit. You could qualify for the 5% Deposit Scheme. ⁣
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Finally, do you feel ready to commit to a place of your own? 🏠⁣
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Ticked all the boxes? ✅⁣
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Talk to us and we'll help you assess your borrowing power to see if you're ready to become a home owner. 👇⁣
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To find out more, contact Civic Finance on:
☎ – 0431 413 344
💻 – [email protected]

06/05/2026

🏡 Offset accounts surge as homeowners aim to beat rising rates 🏡

Looking for potential ways to beat higher interest rates?

You're not alone. One of Australia’s big 4 banks, NAB, says they're seeing the uptake of offset accounts “surge”.

Here's how they work.

Instead of being paid interest on the money in the linked offset account, the balance is deducted from your mortgage when loan interest is calculated.

And that’s just the first way you can save on interest. 💰

Because you're paying off more of the principal each month, that allows you to chip away at your home loan balance quicker, which in turn can also help you save on interest over the long run.

Call us to see if an offset account could be suited to your needs. 👇

To find out more, contact Civic Finance on:
☎ – 0431 413 344
💻 – [email protected]

05/05/2026

🗞📰 𝗖𝗮𝘀𝗵 𝗿𝗮𝘁𝗲 𝗶𝗻𝗰𝗿𝗲𝗮𝘀𝗲𝘀 𝗳𝗼𝗿 𝘁𝗵𝗲 𝘁𝗵𝗶𝗿𝗱 𝘁𝗶𝗺𝗲 𝘁𝗵𝗶𝘀 𝘆𝗲𝗮𝗿, 𝗻𝗼𝘄 𝘂𝗽 𝘁𝗼 𝟰.𝟯𝟱% 📰🗞⁣⁣⁣⁣⁣⁣⁣
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The hits just keep coming for mortgage holders, with the RBA today raising the cash rate for a third time this year to 4.35%. If you’re starting to struggle with your mortgage repayments, here’s how you can potentially take action. 🤔⁣⁣⁣
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https://www.civicfinance.com.au/cash-rate-increases-for-the-third-time-this-year-now-up-to-4-35/

04/05/2026

💰 What is the average first home buyer deposit? 💰

Buying a home to live in?

The average home deposit is $173,000 according to Money.com.au. 🏡

That’s a big chunk of cash.

Not surprisingly, it takes first home buyers 10 years on average to save a 20% deposit, based on analysis by ANZ and CoreLogic. ⏱️

But why wait that long? 🤔

The 5% Deposit Scheme could help you fast track your home buying plans.

It lets you buy with 5% deposit and avoid the cost of lenders mortgage insurance. 🏠

Interested? Get in touch and we'll help you find out if you're eligible.👇

To find out more, contact Civic Finance on:
☎ – 0431 413 344
💻 – [email protected]

Address

Sydney, NSW

Telephone

+61431413344

Website

http://www.civicfinance.com.au/

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