Home Loan Hub

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Not all investment properties are created equal. The difference between a good and a bad investment comes down to a few ...
26/06/2026

Not all investment properties are created equal. The difference between a good and a bad investment comes down to a few key factors that are easy to overlook.

A good investment property is in a location with strong rental demand and rental yield. A property that is never vacant and generates high relative income will ease the pressure on your cash flow.

It has high potential for capital growth, this comes down to the fundamentals of the area, most importantly population growth, infrastructure investment, land supply and amenities which are the drivers that push prices up over time.

It is low maintenance with no or minimal strata. Older properties with outdated features, big gardens, structural issues and strata levies on top of your mortgage can significantly drain returns over time.

A bad investment property is the opposite, in a poor location, generates low rental yield, high maintenance, limited growth drivers and has low rental demand.

If you want to purchase a good investment property, contact us at 0410 512 254 or [email protected].

Most people set up their home loan and then don’t look at it again for years.But in a just 2 years:• interest rates move...
19/06/2026

Most people set up their home loan and then don’t look at it again for years.

But in a just 2 years:
• interest rates move
• lenders change their policies
• your income, equity and goals change

Banks save their best rates and incentives for new or recently refinanced loans. If you have had your loan for 2+ years you’re probably paying more then you need to.

A home loan review can:
✅ lower repayments
✅ improve loan structure
✅ access better loan features

So if you have had your home loan for 2+ years contact us at 0410 512 254 or [email protected] and we can review your loan and show you the better options available.

The RBA has held the cash rate at 4.35% after three consecutive rate rises to start 2026.The decision was unanimous with...
16/06/2026

The RBA has held the cash rate at 4.35% after three consecutive rate rises to start 2026.

The decision was unanimous with the board saying it wants to assess the impact of its three rate hikes before tightening further, noting that while the economy is slowing and financial conditions are more restrictive, inflation remains too high at 4.2% which is still well above the 2 to 3% target.

For mortgage holders this is a welcome pause with monthly repayments staying where they are for now, giving households some breathing room after a difficult six months.

The question is what happens next. ANZ, CBA and NAB all believe rates have peaked and cuts will arrive in 2027. Westpac on the other hand is forecasting two more hikes in August and September which is in line with more than half of the economists surveyed by Finder also expecting at least one more rise before the end of 2026.

The next RBA meeting is 10 to 11 August, where the board will have access to the June quarter inflation figures, widely seen as the key data point that will determine whether rates rise again or stay on hold.

If you have not reviewed your loan since rates started rising this year, now is a good time to do it, so contact us at 0410 512 254 or [email protected].

An offset account is a savings account linked to your home loan. The balance in that account is offset against your loan...
14/06/2026

An offset account is a savings account linked to your home loan. The balance in that account is offset against your loan balance and you only pay interest on the difference.

If your loan is $600,000 and you have $100,000 sitting in your offset account, you only pay interest on $500,000.

Your repayment amount stays the same, but less of it goes toward interest and more goes toward paying down the principal. Over time it adds up significantly.

For a $600,000 loan over 30 years having $100,000 in an offset account saves you 8 years off your loan term and over $350,000 in interest.

The more you keep in your offset, the faster your loan gets paid down.

If you want to understand how an offset account could work for your loan, contact us at 0410 512 254 or [email protected].

One of the most common questions from homeowners who have built up equity is whether they should focus on paying off the...
05/06/2026

One of the most common questions from homeowners who have built up equity is whether they should focus on paying off their mortgage or use that money to invest in another property.

The answer depends on your situation, your risk appetite and your financial goals.

Paying off your mortgage gives you certainty because you reduce your debt, lower your financial risk and build equity faster. For the people who value security and simplicity this may be the preferred option. The downside of only paying down your mortgage is that you are limiting your capital gains in the long term by only owning one asset.

Investing gives you leverage because rather than putting extra money into a loan you already have, you use it to purchase an income producing asset that will appreciate over time. Because that property grows in value and generates rental income, you are building wealth faster. The only downsides with investing are the holding costs.

A well structured plan can allow you to both pay down your home while also investing in property.

If you want to find out which approach suits your situation, contact us at 0410 512 254 or [email protected].

EOFY is approaching. If you own an investment property, here is everything worth reviewing before the financial year clo...
29/05/2026

EOFY is approaching. If you own an investment property, here is everything worth reviewing before the financial year closes.

Rental income – when did you last review your rental return? Check how it compares to similar properties in your area given recent rate and market changes.

Property expenses – review what you are spending on management fees, insurance, repairs, maintenance and accounting. Understand where your costs are sitting and whether anything can be reduced.

Deductions – the ATO allows investors to claim a range of expenses immediately or over several years including interest on loans, council rates, repairs, capital works and depreciation. Make sure your claims are accurate and supported by records.

Depreciation – a depreciation schedule maps out the claimable depreciation in your property and can add thousands in deductions to your tax return each year. If you do not have one, get one before 30 June.

Home Loan – with the cash rate at 4.35%, now is a good time to review your loan. Refinancing could reduce your interest costs and give you access to better loan features.

Equity – it’s a good time to look at whether the equity in your existing property could support your next move. Borrowers often find they are in a stronger position than they realise.

If you want to talk through your finance options before the EOFY, contact us at 0410 512 254 or [email protected].

A lot of people are asking if what’s happening in the Middle East will crash the property market. It's a fair question a...
22/05/2026

A lot of people are asking if what’s happening in the Middle East will crash the property market. It's a fair question and here's what the data says.

Looking back over the past 100 years, overseas wars have rarely had a direct impact on Australian property prices. The only conflicts that directly affected the market were World War I and II because Australia was directly involved. Every other war, from Korea and Vietnam to the Gulf War, Afghanistan, Iraq, Ukraine and Gaza, did not cause a property market crash.

The reason is that property is an illiquid asset and unlike shares it takes weeks or months to buy and sell which means changes in sentiment aren’t immediately reflected in prices. Also, Australia's market is primarily driven by local factors like supply, demand, interest rates and population growth, not what's happening overseas.

Where wars do have an indirect effect is through oil prices driving inflation, which pushes interest rates higher. That is the channel worth watching, not the war itself.

Right now Australia's fundamentals remain strong with high population growth and housing supply levels around 30% below the pre 2020 levels. So even if rates stay higher for longer some markets, particularly more affordable cities and regional areas, will still continue to grow.

If you want to understand how the current macroeconomic environment affects you, contact us at 0410 512 254 or [email protected].

With the new Federal Budget the government is introducing changes that will reduce the tax incentives for investors buyi...
15/05/2026

With the new Federal Budget the government is introducing changes that will reduce the tax incentives for investors buying established properties, while continuing to support investment into new housing supply.

New builds will continue to give investors negative gearing benefits, depreciation deductions and strong after tax outcomes.
Established properties under the new laws will have no negative gearing, no depreciation and no tax benefits.

These new laws will create higher demand for new builds and will make existing properties less attractive to investors.

Going forward off the plan properties, new townhouses and house and land packages will offer the strongest tax outcomes for investors.

If you want to understand how these changes affect you, contact us at 0410 512 254 or [email protected].

One of the large decisions property investors face is whether to buy a house or an apartment. Both can be good investmen...
08/05/2026

One of the large decisions property investors face is whether to buy a house or an apartment. Both can be good investments but they work differently.

Houses sit on land and because land appreciates over time houses tend to have stronger capital growth over the long term. The trade off is that there is generally a higher purchase price, more stamp duty upfront and you are responsible for all maintenance and repairs.

Units are typically cheaper to buy and are often better located, closer to the CBD, transport and amenities. For investors, they can generate stronger rental yields in the short term but the trade off is that you own a share of the building, not the land, and you pay body corporate fees on top of your mortgage.

For first home buyers, units can be a more accessible entry point into the market. For long term wealth building, houses with land have historically outperformed.

Both options can be the right choice for you and your situation as it comes down to your budget, your goals and what stage of life you are at.

If you need help purchasing a property to live in or for investment, contact us at 0410 512 254 or [email protected].

The RBA has raised the cash rate for the third time in 2026, lifting it to 4.35%.Annual inflation jumped to 4.6% in the ...
06/05/2026

The RBA has raised the cash rate for the third time in 2026, lifting it to 4.35%.

Annual inflation jumped to 4.6% in the March quarter which is the highest since September 2023. The Treasurer has pointed to the US-Iran conflict as the primary driver, warning fuel prices could climb further from here.

For homeowners this means more pressure on already stretched budgets. For investors, there are two more things worth watching, the Federal Budget on 12 May could bring changes to capital gains tax and negative gearing, and another rate rise in June is not off the table.

On the property market, Queensland (+1.3%), Western Australia (+2.1%) and South Australia (+1.1%) continued to grow despite the rate environment.

If your loan has not been reviewed recently, now is the time to contact us at 0410 512 254 or [email protected].

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