Advantage Lending Group

11/08/2026

Cash rate unchanged at 4.35%.
That is now 2 months in a row. Next call will be on 29 September 2026.

10/08/2026

Thinking about buying your first home but not sure where to start?

We’ve created a free First Home Buyer Masterclass that breaks the process down step-by-step, including where to start, how deposits work, your pathways and options, what lenders assess, and the journey from preparation through to settlement.

40 minutes to understand the road ahead.

Free. Online. No obligation.

Watch the free masterclass here:
https://advantagelendinggroup.com.au/fhb-masterclass/

22/07/2026

Need a vehicle or equipment for your business?

Advantage Lending Group can help arrange asset finance for:

• Cars, utes and vans
• Trucks and trailers
• Commercial vehicles
• Plant, machinery and equipment
• New or used purchases
• Personal or business use

We compare suitable finance options and guide you through the application process from enquiry to settlement.

Contact Chi or Miranda today to discuss your finance options.

📞 Chi: 0450 121 881
📞 Miranda: 0426 652 688
🌐 advantagelendinggroup.com.au

Terms, conditions, fees and lending criteria apply.

17/07/2026

A new chapter begins. Welcome to Advantage Lending Group. 🏡

We help Australians with home loans, refinancing, property investment, SMSF lending, business finance and asset finance.

Our aim is simple: clear guidance, suitable finance options and better-informed decisions.

Follow Advantage Lending Group for practical lending insights, property education and finance updates.

Ready to discuss your next step? Visit www.advantagelendinggroup.com.au

27/04/2026

Most homeowners focus on the interest rate.

But the way your income, offset account, bills, spending and surplus are structured can also make a big difference.

A good mortgage cash flow system can help you:

✅ Reduce interest over time
✅ Separate bills, spending and buffer money
✅ See your real monthly surplus
✅ Stop your money from moving randomly
✅ Feel more in control of your home loan

This is not about complicated budgeting.

It is about building a simple structure where your money works harder before it gets spent.

I’ve created a free CKC Mortgage Cashflow Guide that explains how the offset account structure works and how Australian homeowners can review their current setup.

Download the free guide in the comments below.

General information only. This is not personal financial advice, investment advice, tax advice or legal advice.

17/04/2026

Most borrowers don’t realise this 👇

🏦 Banks have dedicated retention teams whose job is to stop you from leaving.

When you submit a discharge authority, it signals you are refinancing or selling. That is when lenders suddenly become competitive. They may:
💰 Reduce your interest rate
🎁 Offer cashback
📉 Provide better loan terms

We are even seeing examples like ANZ offering up to $2,000 to retain customers.

But here is the key point… 👇

⏳ You do not have to wait until that stage.

A simple check-in with your lender and asking for a rate review can often get you a better deal without going through the full refinance process.

🚫 Most people leave this too late and end up paying more than they should.

If you want to know whether your current rate is still competitive, we can help you review your options.

📩 Contact us to get started

11/04/2026

📅 Federal Budget – 12 May 2026

There is a lot of discussion right now around potential changes to:

🏠 Negative gearing
💰 CGT discount on property

Some proposals being talked about include:

Limiting negative gearing to 1–2 properties
Reducing the CGT discount (e.g. from 50%)

So what does this actually mean?

👉 Will it affect existing investors?
👉 Or only new purchases moving forward?
👉 Will it change how you structure your next property?

The reality is…

💡 At this stage, nothing is confirmed
💡 Policy announcements ≠ law
💡 And the final outcome my be very different to the headlines

What matters most is understanding:
👉 How these "potential changes" could impact your strategy, cashflow, and long-term plans

Curious to hear your thoughts 👇
Is this changing your approach to investing… or are you waiting to see what happens?

22/02/2026

Many homeowners think they must sell first before purchasing their next property.

Not always.

A bridging loan can allow you to secure your new home before your current one is sold.

Here’s a simple example:

Current home value: $1,200,000
Existing loan: $600,000
New purchase: $1,300,000

A bridging loan temporarily covers both properties while you sell the old one.

But here’s what most people don’t understand:

Your debt temporarily increases.
This is called peak debt.

Structure matters more than rate.

If you want to understand how bridging loans really work, including the risks and numbers involved, I’ve written a full breakdown here:

Bridging Loans Explained: How to Buy Your Next Home Before You Sell Buying your next home is an exciting step, but the timing can feel complicated. Many homeowners find themselves in a familiar situation. You have found the right next property, but your current home has not sold yet.   This is wher...