Australian Finance Associates

Australian Finance Associates Finance brokers assisting with all your personal and business finance needs.

We can assist with a wide range of finance needs including:

+ Home Loans
+ Business Loans
+ Asset and Equipment Finance
+ Working Capital and Invoice Finance
+ Commercial Loans
+ Development Funding
+ Start up Finance
+ Private Lending
+ Debt Advisory

Credit Representative Number 516080 is authorised under Australian Credit Licence 384704.

Wish you a very happy New year !!!
01/01/2026

Wish you a very happy New year !!!

BREAKING: Australian property prices up for 7 months straight!Why?• Interest rate cuts boost buying power• Rising wages ...
24/09/2025

BREAKING: Australian property prices up for 7 months straight!
Why?
• Interest rate cuts boost buying power
• Rising wages exceeding inflation
• Demand exceeds supply - homes selling fast !

Pre-qualify your loan today.

📞 0426718787 or ✉️ [email protected]

National property prices rose 0.6% in June, marking the fifth consecutive month of growth. Over the past five years, the...
30/07/2025

National property prices rose 0.6% in June, marking the fifth consecutive month of growth. Over the past five years, the national median has increased by 44.3%.

In a market where interest rates are coming down and prices are creeping up again, here are three things to keep in mind:
1. Buyers are getting off the fence. Lower rates are bringing more competition back to the market. Be ready to move quickly.
2. Your borrowing power may increase. As rates fall, you might qualify for a larger loan but property prices are rising too.
3. Timing your move matters. With prices rising, waiting could mean paying more later.

Want to get ahead of the next rate cut? Let’s chat about your plans.

📞 0426718787 or email [email protected]

ATO has released guidelines to help your business understand whether it's eligible for the $20,000 instant asset write-o...
19/06/2025

ATO has released guidelines to help your business understand whether it's eligible for the $20,000 instant asset write-off for the 2024-25 financial year.

“If your business has an annual turnover of less than $10m and uses the simplified depreciation rules, you may be eligible to claim the instant asset write-off to immediately deduct the business part of the cost of eligible assets,” according to the ATO.

With two weeks remaining in the financial year, please contact me immediately if you’d like to purchase an asset in FY25. Also, please speak to a tax professional to check your eligibility for the instant asset write-off.

Planing to buy an asset ? Contact us for funding
📞 0426718787 or email [email protected]

More than 65 lenders, including the big four banks, have cut their interest rates following the RBA's decision to reduce...
11/06/2025

More than 65 lenders, including the big four banks, have cut their interest rates following the RBA's decision to reduce the cash rate.
This means lower repayments, however the size of the rate cuts, and the dates at which they’re taking effect varies from lender to lender.

3 three tips to bear in mind in this downward interest rate environment:

1️⃣Think about refinancing - If your lender is not making the right competitive moves with your interest rate, I can compare the market for you and search for better options.

2️⃣Review your new borrowing power - Lower interest rates can increase how much you can borrow, which may open up new opportunities to upsize, renovate or invest.

3️⃣Use your savings wisely. Consider what you do with the money you save with a lower rate. Splurging on treats may be satisfying, but investing the money or making extra repayments on your loan may be the smarter long-term options.

Talk to me if you are looking for a lower interest rate or higher servicing for purchases / investments.
📞 0426718787 or email [email protected]

As 2024 comes to an end, we want to extend our gratitude for the support and collaboration that has made this year so re...
24/12/2024

As 2024 comes to an end, we want to extend our gratitude for the support and collaboration that has made this year so rewarding.🎉

Wishing you and your loved ones a joyful Christmas and a New year filled with success, health and happiness.

Higher interest rates make it harder for borrowers to qualify for larger loans or even loans of any size. That's because...
19/12/2024

Higher interest rates make it harder for borrowers to qualify for larger loans or even loans of any size. That's because for every increase of 0.50 percentage points in interest rates, the average person's borrowing capacity falls by about 5%, according to PropTrack senior economist Paul Ryan.

Since 2022, RBA has increased official interest rates by 4.25 percentage points, thereby reducing the average person's borrowing capacity by about 40%.

Currently, to protect borrowers and the banking system, lenders need to add a buffer of at least 3 percent when assessing the ability to repay a home loan – so if you applied for a loan with an interest rate of 6.20%, lenders would assess whether you’d be able to make your mortgage repayments if the rate rose to at least 9.20%.

If APRA reduced this buffer requirement to say 2.5 percent or 2 percent, the assessment rate on the hypothetical loan mentioned above would fall, thereby increasing your borrowing power.

However, APRA recently ruled that it would keep the buffer at 3 percentage points. “In reaching the decision to keep the settings steady, APRA took account of high household indebtedness and a pick-up in credit growth, persistent cost-of-living pressures, a weakening jobs market and heightened geopolitical risks,” the regulator said.

Talk to me about your borrowing power

📞0426718787 or email [email protected]

More and more Australians are turning to property investment, new analysis has revealed.CoreLogic’s head of research, El...
11/12/2024

More and more Australians are turning to property investment, new analysis has revealed.

CoreLogic’s head of research, Eliza Owen, found that the number of investors entering the market was exceeding the number exiting, by comparing home loans data with listings data.

Why is property investing so popular? Probably because it offers three big potential benefits:

✳️Capital growth – if your property rises in value

✳️Ongoing rental income – which can be used to pay down your mortgage

✳️Tax benefits – you can reduce your taxable income if your property is negatively geared

Reach out if you’re thinking about buying an investment property. I’ll model different repayment scenarios for you, so you can make an informed decision about whether investing is right for you.

📞0426718787 or email [email protected]

With property prices at record levels, the size of the average mortgage has also hit new highs, making it more important...
24/07/2024

With property prices at record levels, the size of the average mortgage has also hit new highs, making it more important than ever that you shop around for the right loan.

Australia’s median property price reached a record $794,000 in June, up 8.0% year on year. Meanwhile, the size of the average owner-occupied loan reached a record $626,055 at the end of May, up 7.1% year on year, according to the Australian Bureau of Statistics.

Just as interest rates can vary significantly from lender to lender, so can your borrowing power, depending on your financial profile, the type of property you’re planning to buy and the location of the property. Sometimes, one lender might be willing to lend you tens of thousands – or even hundreds of thousands – of dollars more than another lender.

Trying to source all this information yourself would be very time-consuming. But brokers have an intimate understanding of the credit policies of many different lenders. That’s why, if you get a home loan through a broker, they can recommend a lender that is suitable for someone with your profile and scenario.

Talk to us about your borrowing power
📞 0426718787 or email [email protected]

While it’s often said you need a 20% deposit to qualify for a home loan, a significant number of borrowers are securing ...
26/06/2024

While it’s often said you need a 20% deposit to qualify for a home loan, a significant number of borrowers are securing mortgages with smaller deposits, according to the latest data from APRA, the banking regulator.

In the March 2024 quarter, 31.0% of new home loans (by value) had deposits of less than 20%, while 6.2% of new loans had deposits of less than 10%.

Generally, you will need to pay lender’s mortgage insurance (LMI) if you purchase a property with a deposit of less than 15-20%. However, some lenders give LMI exemptions to certain professionals.

Yet it’s still possible to buy a property with a small deposit, provided your financial circumstances allow it and you structure your loan application correctly.

Talk to us about your borrowing power

📞 0426718787 or email [email protected]

In another Budget boost for small businesses, the government has extended the instant asset write-off by another 12 mont...
13/06/2024

In another Budget boost for small businesses, the government has extended the instant asset write-off by another 12 months.

Businesses with an aggregated annual turnover of less than $10 million will continue to be able to immediately deduct eligible depreciating assets (which can be new or second-hand) costing less than $20,000, which are first used or installed ready for use by 30 June 2025.

The asset threshold applies on a per-asset basis, so businesses can instantly write off multiple assets.

The instant asset write-off is designed to improve cash flow and reduce compliance costs for businesses. The 12-month extension of the policy has been costed at $290 million.

Contact me if you want to buy an asset for your business or ABN.

📞 0426718787 or email [email protected]

Many economists believe the Reserve Bank will start cutting interest rates in the final quarter of 2024. So if you're th...
27/02/2024

Many economists believe the Reserve Bank will start cutting interest rates in the final quarter of 2024. So if you're thinking about entering the market, should you buy now or wait for those potential rate cuts to occur?

To answer that question, it can be helpful to consult long-term data. During the decade to January 2024, Australia's median property rose 80.1%, according to PropTrack. Prices rose faster in the combined regions than the combined capital cities (92.5% vs 75.7%), while house growth exceeded unit growth (89.4% v 44.4%). But the general trend for all these categories was the same – up.

Domain's chief of research & economics, Nicola Powell, believes buyers should take a longer-term view and not get too hung up about how the market is currently performing.

“When you’re purchasing a property, it’s for a long-term investment and you are going to ride multiple property cycles, and that’s how you build financial wealth. So if I would give any advice, it would be to buy when it’s right for you. Housing markets are complex and often impossible to predict.”

Ultimately, the question or whether to buy now depends on your personal situation and goals. For some, now will be the right time; for others, it will be better to wait. I'm happy to have a chat and crunch some numbers for you, so I can present personalised loan options for your situation.

📞 0426718787 or email [email protected]

Address

Sydney, NSW

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 8am - 6pm

Telephone

+61426718787

Website

Alerts

Be the first to know and let us send you an email when Australian Finance Associates posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category