Civic Finance

29/09/2026

Here we go again … The RBA has raised the cash rate for a fourth time this year to 4.60%. Check out this week’s article to find out why they felt the need to pass on more borrowing pain to mortgage holders. 🤔

Here we go again … The Reserve Bank of Australia (RBA) has raised the cash rate for a fourth time this year to 4.60%. Check out this week’s article to find out why they felt the need to pass on more borrowing pain to mortgage holders. Following hikes in February, March and May, this latest […]

28/09/2026

🍳 Gen Z's appetite for property is growing 🍳⁣
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Demand for first home buyer loans has jumped 16%. 📈⁣
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It’s thanks largely to the expanded 5% Deposit Scheme. ⁣
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Gen Z (18-25) has been the biggest benefactor, with Equifax reporting a 23% jump in home loan demand since October. ⁣
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Could the 5% Deposit Scheme bring forward your home buying plans? 🏡⁣
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Call us to find out. 👇⁣
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To find out more, contact Civic Finance on:
☎ – 0431 413 344
💻 – [email protected]

23/09/2026

📈 Home loan rate rising? There may be other options 📈⁣
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Three consecutive rate hikes have wiped out last year’s rate cuts. But you don't have to just wear higher rates. 💰⁣
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Competition is heating up for your business among lenders - so some are still lowering their home loan rates to try and win new business. 📊⁣
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It might be time to shop around? 🔍⁣
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Talk to us about refinancing. We’ll cast our net wide to help you save on interest. 👇⁣
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To find out more, contact Civic Finance on:
☎ – 0431 413 344
💻 – [email protected]

21/09/2026

🌸 Time to Spring clean your home loan? 🌸⁣
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Spring cleaning your home loan can be an opportunity to compare what else is on the market, and potentially pay less on interest each month. ⁣
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It’s also a chance to toss out unused features you're paying extra for, or, add features such as offset accounts - which can help you save on interest each month. 🏡⁣
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To shake the curtain on your old home loan, talk to us. 💬⁣
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We can let you know if your old loan is still a good match for your needs. 👇

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

17/09/2026

In today’s easing market, it may be tempting to wait for property prices to fall further. But it’s a strategy that could see first home buyers left disappointed. 🙃

In today’s easing market, it may be tempting to wait for property prices to fall further. But it’s a strategy that could see first home buyers left disappointed. We explain why. There is no shortage of media headlines touting big falls in home prices. But the reality may be less sensational. Whi...

16/09/2026

🌸 Hello Spring buying season! 🌸⁣
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The days are warmer, gardens are in bloom. 🌿⁣
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We’re in the busy Spring selling season! 🏡⁣
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This can put home buyers in the hot seat as fresh listings hit the market. 📈⁣
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Talk to us about your property goals.⁣
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From first home concessions to loan pre-approval we’ve got you covered this Spring! 👇⁣
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To find out more, contact Civic Finance on:
☎ – 0431 413 344
💻 – [email protected]

14/09/2026

🏡 Could multi-gen living help you onto the property ladder? 🏡⁣
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Searches for “dual-occupancy” homes have skyrocketed 385% in the past year, according to PropTrack data. 📈⁣
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Searches for “dual-living” are up 100%. 📊⁣x⁣
And interest in granny flats has jumped 30%. 🏠⁣
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DM us to find out how you and your family can team up for an affordable home. 👇⁣
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To find out more, contact Civic Finance on:
☎ – 0431 413 344
💻 – [email protected]

10/09/2026

🗞📰 𝗦𝗽𝗿𝗶𝗻𝗴 𝘀𝗲𝗹𝗹𝗶𝗻𝗴 𝘀𝗲𝗮𝘀𝗼𝗻 𝗶𝘀 𝗵𝗲𝗿𝗲. 𝗪𝗵𝗮𝘁’𝘀 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗶𝗻 𝟮𝟬𝟮𝟲? 📰🗞⁣⁣⁣⁣⁣⁣
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Australia’s peak property season is underway, and spring 2026 is shaping up as a buyers’ market. Here’s what the experts say we can expect in the weeks ahead. 🌸 🏡⁣⁣
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https://www.civicfinance.com.au/spring-selling-season-is-here-whats-different-in-2026/

09/09/2026

💼 How to get a home loan if you’re self-employed 💼⁣
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Over 1.7 million Australians run their own show. ⁣
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It can bring freedom, flexibility and financial rewards. ⁣
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But it may mean jumping through more hoops when it comes to taking out a home loan. 🏡⁣
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You may be eligible for a standard ‘full doc’ loan with just one or two years' financials. 📝⁣
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Or low doc loans can be available if you’re very new to small business. 📊⁣
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The main point is to speak to us to understand your options. 👇⁣
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To find out more, contact Civic Finance on:
☎ – 0431 413 344
💻 – [email protected]

07/09/2026

🛠️ Home renovations are on the rise, but keep an eye on costs 🛠️⁣
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Major bank NAB reports a 16% jump in demand for renovation loans nationally. 📈⁣
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The good news is that building costs have come off recent peaks. 🏡⁣
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But they always have the potential rise again - like they did when fuel prices increased a few months back. ⛽⁣
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The solution can be to build a buffer into your budget, and lock in quotes where possible. 💰⁣
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Talk to us for a renovation loan that can help your project become a reality. 👇⁣
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To find out more, contact Civic Finance on:
☎ – 0431 413 344
💻 – [email protected]