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Home Loan Hub is a Mortgage Broking Firm with over 18 years experience in the Finance Industry.

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].

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].

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].

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].

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].

27/04/2026

What is a comparison rate and why is it different to your interest rate?

When a lender advertises an interest rate it isn’t the full picture. The comparison rate takes that headline rate and adds in the fees and charges that come with the loan which gives you a more accurate cost of borrowing, based on a $150,000 loan over 25 years.

A loan advertised at 5.99% might have a comparison rate of 6.19% once fees are factored in and this gap is substantial over a 30 year loan.

So always check the comparison rate and not just the headline rate as a cheap rate with high fees can cost more than a slightly higher rate with no fees.

If you want help comparing loan options with certainty, contact us at 0410 512 254 or [email protected].

17/04/2026

What is LVR and why does it matter?

LVR stands for Loan to Value Ratio. It is the amount you are borrowing expressed as a percentage of the property's value.

If you are buying a $1,000,000 property and borrowing $800,000, your LVR is 80%.

It matters because the higher your LVR, the more risk a lender takes on which usually means they give you a higher interest rate. Also if your LVR is above 80%, most lenders will charge you Lenders Mortgage Insurance which can cost tens of thousands of dollars.

If you want to understand how LVR affects your borrowing power, contact us at 0410 512 254 or [email protected].

13/04/2026

What is Gearing?

Gearing refers to the relationship between what your investment property costs you and what it earns you in rent.

There are three types:
Positive gearing - your rental income exceeds your costs. You make money each month, but that income gets taxed.

Neutral gearing - your rental income covers your costs exactly. No out of pocket expenses and no taxable surplus.

Negative gearing - your costs exceed your rental income. Money comes out of pocket monthly, but you can claim that loss against your income tax and get a 30-45% refund depending on your tax bracket.

But ultimately the investment should always make sense from a total return perspective (capital growth + rental yield) rather than being driven solely by tax deduction benefits.

If you want to understand how gearing can help you with property contact us at 0410 512 254 or [email protected].

27/03/2026

How People Are Using Equity to Buy More Faster

Most people think they need to save another full deposit before buying their next property.

But that’s not how the smart investors do it.

Instead, they use the equity in their current property to help fund the next property purchase.

As property values increase and loans get paid down, equity builds up and this can be accessed without selling.

That equity can then be used as a deposit for the next property, allowing you to move forward sooner rather than waiting years to save.

You might already have your next deposit sitting in your current property without realising it.

If you want to purchase another property using your equity contract us at 0410 512 254 or [email protected]

17/03/2026

RBA Update: Cash Rate Now at 4.10%

The RBA has increased the cash rate by 0.25% to 4.10% as inflation remains above target.

CPI is currently sitting at 3.8%, while underlying inflation has increased to 3.4%. Although inflation has eased from its peak, it has started to increase again which is keeping pressure on rates.

For borrowers, this latest increase is expected to add around $75 to $150 per month on loans between $500,000 and $1,000,000.

At the same time, property prices are still moving in some markets:
WA: +2.3%
QLD: +1.6%
NSW: 0.0%
VIC: 0.0%

Despite higher rates, parts of the market are still showing growth, which makes it even more important to make sure your loan is still competitive and structured properly.

If you want to review your rate or explore your finance options contact us at 0410 512 254 or [email protected].

Address

Sydney, NSW
2155

Telephone

+61420244440

Website

https://www.homeloanhub.net.au/

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