CFO On The Go Pro

06/09/2025

Smart Energy Queensland 2025 – Finance Meets Strategy

At Intelligent Finance Specialists (IFS), we secure the right finance.
At CFO On The Go Pro, we show you how to use it to advance your life.
Together: Clarity • Control • Confidence.

🌱 Ask us about Green Home Transformations:
Solar Panels • Batteries • Heat Pumps • Induction Cooking.
Great for investment properties – boost rent, increase value, and even reduce your rate by up to 1%!

🎁 Visit our stand for your chance to WIN a Smart Home Energy Monitor.
Drop your card or scan the QR code to enter.

👉 Register to join us here:
Smart Energy Queensland 2025

13/08/2025

Australia vs Europe: Same dream, different reality.
In Europe, housing is often affordable and profitable for investors.
In Australia? Many are stretched to breaking point.

This isn’t about luck — it’s about structure, planning, and knowing the rules of the game.
📞 We can help you find clarity, control, and confidence in your financial future.

It is easy as 123 - please use this link and obtain a complimentary discovery session https://calendly.com/iafau/30min

12/08/2025

CFO On The Go Pro and Intelligent Finance Specialists
Debt Recycling Opportunity
You're Sitting on a Goldmine - You Can't See It (Yet)
Most people think their home loan is just a cost. At CFO On The Go Pro, we see it as your most powerful
wealth tool.
Debt recycling turns the equity you've already built into a strategy that can fund investments, reduce tax, and
build your future - without earning a single extra dollar in your salary.
You don't need to work harder. You need to work your debt smarter.
Before vs After Debt Recycling
Before:- Equity sits in your home - safe, but doing nothing.- Loan repayments reduce principal, but no extra income is generated.- No tax efficiency from your repayments.
After:- Equity is strategically invested to create income-producing assets.- Loan repayments shift from bad debt to good debt.- Investments can provide tax deductions and grow your wealth.
"You worked hard to build it. Now let it work hard for you. Your wealth isn't in a pay rise - it's in the walls you
already own."
Call us today for a complimentary strategy session - 0423 547 547

Call now to connect with business.

12/08/2025

22/07/2025

TAX MYTHS BUSTED

10/07/2025

RBA Cash Rate Update

📊 RBA Holds Rates – What It Means for Business and Borrowers

This week, the Reserve Bank of Australia held the cash rate steady at 3.85%, despite growing expectations of a cut. While it may seem like a curveball, the outlook remains positive.

🔍 Key insights:
- Economic growth is slowing, and inflation is easing.
- The RBA is likely waiting for upcoming inflation data before making a move.
- Rate cuts are still expected in August, November, and February 2026.
- Forecasts suggest the cash rate could fall to 2.85% by mid-2026.

📉 Here’s a quick visual of the projected rate path:

💼 Why it matters:
Lower rates could mean improved borrowing conditions, more flexibility for investment, and potential relief for households and businesses navigating tighter financial conditions.

📬 Let’s talk. If you’d like to explore how this could impact your financial strategy or business planning, I’m available for consultations.
👉 Book a time here: https://calendly.com/iafau/30min

16/06/2025

The Reserve Bank Just Lit the Match for the Next Property Boom in a market short of stock —Here’s Why You Should Act Now

The property market is on the brink of another surge, and if you’ve been waiting for the right moment to invest, this might be it. The Reserve Bank has set the stage for the next property boom, with interest rates expected to drop further in the coming year. Lower borrowing costs mean higher affordability, increased demand, and ultimately, rising property prices. Savvy investors know that timing is everything, so why should you consider getting in now?

The Interest Rate Shift—What It Means for You

After a series of rate hikes aimed at controlling inflation, the Reserve Bank has finally shifted its stance. Economists predict steady reductions over the next year, making home loans more accessible and boosting buyer confidence. As rates drop, competition for properties is expected to intensify, leading to price increases across major markets.

This shift creates two significant opportunities:
1. For buyers: Locking in a property before rates drop further means securing it at today’s prices before market surges drive them up.
2. For investors: Lower borrowing costs make financing easier, and increasing demand means more substantial long-term growth potential.
History Tells Us What’s Coming
Looking at past cycles, we’ve seen property booms ignite in response to falling interest rates. In the early 2000s and again post-2020, similar conditions led to rapid price increases as eager buyers flooded the market. Those who moved early reaped significant rewards as property values climbed. This time will be no different.

Why Waiting Could Cost You
It's we've. What's today's you've? Here's easy to sit back and watch the headlines, but hesitation could be expensive. Once interest rates start dropping significantly, bidding wars will intensify, sellers will increase their asking prices, and competition will escalate. Jumping in before this

Wave begins allows buyers and investors to capitalise on the market without the pressure of inflated pricing.

Final Thoughts—Are You Ready?

If you've been considering buying your first home, upgrading, or investing, the conditions ahead may be perfect for making your move. The Reserve Bank’s decision is a trigger, and waiting too long could mean paying more down the track. Now is the moment to think strategically and make an informed decision before the opportunity slips away.

💬 What are your thoughts on the upcoming property boom? Drop a comment below—let'sBank'syou've discuss!

07/06/2024

Big Win for First Home Buyers in South Australia - Stamp Duty Abolished.

Please click on the link for more information

15/05/2024

Federal Budget 2024 - Housing Measures

The impact on inflation would adversely impact interest rates.
A 1% change in interest rates affects $9.5 Billion in the cash available in the economy.

The Cost of Living package in this budget injects $ 7.8 Billion into the economy.

Has the budget taken away or delayed the action of the RBA?
We believe changes to interest rates would be delayed.

There are no major new benefits for first-time homeowners other than the write-off of Hec's debt.

We believe that interest rates will be at current rates for some time.
Therefore get used to it and forget the low rates owing to COVID-19 economic measures.

Housing measures
In it, the Treasurer outlined a range of measures for housing, with the government saying it will invest a further $6.2 billion in specific housing initiatives, taking the Government’s total new investment since 2022 to $32 billion.
Measures (which include the previously announced measures to help Australians “build, rent and buy”), include:
A $1.9 billion investment to increase the maximum rates of Commonwealth Rent Assistance by a further 10 per cent to further alleviate rental stress. This builds on the 15 per cent increase already made in September 2023.
Supporting more community housing providers to access finance through the Affordable Housing Bond Aggregator by increasing the cap on the Government’s guarantee of Housing Australia’s liabilities by $2.5 billion to $10.0 billion (with an associated increase in the line of credit that supports the Affordable Housing Bond Aggregator of $3.0 billion to $4.0 billion).
Providing an additional $1.9 billion in concessional loans to community housing providers and other charities to support the delivery of new social and affordable homes under the Housing Australia Future Fund and National Housing Accord.
$1 billion “directed towards” crisis and transitional accommodation for women and children fleeing domestic violence and youth under the National Housing Infrastructure Facility.
$1 billion of funding for states and territories to build infrastructure that could support new homes and for additional social housing supply (such as roads, sewers, energy, water, and community infrastructure).
$9.3 billion via a five‑year National Agreement on Social Housing and Homelessness for states and territories to combat homelessness, provide crisis support, and build and repair social housing
$90.6 million to boost the number of construction workers, with $88.8 million for 20,000 additional Fee-Free TAFE training places to increase the pipeline of workers for construction and housing.

10/05/2024

Yes, Fixed Interest Rates are now Lower than Variable!

‘Path of interest rates ... remains uncertain’ – Inflation will impact on this decision.
However, the good news is we are starting to see Fixed Interest Rates from lenders starting from 5.79% for 1 or 2 years – Yes lower than the best variable rate from these same lenders.
Hence if you are concerned about a rate rise you can lock in to these fixed rates.
On average a .25% increase in RBA rate/lender interest rates affects an average borrowing capacity by approximately $30,000
If you have decided to purchase a property this could be an opportune time,
You could use the lower interest rate and also the reduced 2% buffer by some lenders.
Contact a Mortgage Broker / Finance Adviser to assist you in this extremely complex finance market to structure the best solution for your needs.
You can call us on 0423547547 for a complimentary discovery session.
RBA – details on the cash rate.
In the post-meeting statement by the RBA, the board noted that the “persistence of services inflation is a key uncertainty” adding that it is expected to ease more slowly than previously forecast as a result of “stronger labour market conditions including a more gradual increase in the unemployment rate and the broader under-utilisation rate”.
It added that, in the near term, inflation is forecast to be higher because of the recent rise in domestic petrol prices and higher-than-expected services price inflation, which is now forecast to decline more slowly over the rest of the year.
The monetary policy decision said: “The board needs to be confident that inflation is moving sustainably towards the target range. To date, medium-term inflation expectations have been consistent with the inflation target and it is important that this remains the case.
“Recent data indicate that, while inflation is easing, it is doing so more slowly than previously expected and it remains high. The board expects that it will be some time yet before inflation is sustainably in the target range and will remain vigilant to upside risks.