Black and White Finance

25/04/2026

The property market is changing.

Lower-priced homes are holding up strongly, while higher-end properties are starting to feel pressure.

At the same time, interest rates are rising again and tax changes are back on the agenda.

It’s a complex environment but understanding what’s happening can make a big difference to your property & finance decisions.

We’ve broken it all down in our April update.

🔗 https://www.blackandwhitefinance.com.au/blog/april-2026-property-market-update-rates-tax-split

22/04/2026

First home buyer? This one's for you. 🏡

We just dropped Episode 6 of The Experts with Black & White Finance, and it's all about the mistakes we see first home buyers make + the easy wins most people completely miss.

Sitting down with Michael Archdall and John Lee (two of the sharpest mortgage brokers) to go deep on:

→ The most common mistakes that cost buyers their dream home
→ The easiest wins to take advantage of
→ The most common questions we are asked each week here by first home buyers
→ What lenders REALLY look at
→ The things thing we wish every first home buyer knew before they started

If you're thinking about buying or you know someone who is, perhaps share this with them. Could genuinely save them thousands (and a lot of stress).

Watch the full episode on YouTube 👉 https://www.youtube.com/watch?v=ZF-VlHKdL5Y

Got a question about your own situation? Hit reply or start a no-pressure chat with us here: https://www.blackandwhitefinance.com.au/start-today

Peter Vassilis

1 comment. "First Home Buyer Mistakes (And The Easiest Wins Most People Miss) | E06 Expert series"

10/04/2026

Things feel expensive right now. And with everything going on, a lot of people are being more cautious with big financial decisions.

At the same time, regarding property, we’re hearing more people say it’s starting to feel like a buyer’s market…
and they want to understand what’s possible.

This isn’t about rushing into anything.
But if you already own a property, have built some equity, and are in a position where you can afford it, it might be worth understanding how that equity could potentially be used as a deposit for another property.
Not for everyone of course.
But for some, it’s the next step.

🎥 We’ve kept this one simple

07/03/2026

Business owners hear this all the time:

“You won’t get a home loan because your company has debt.”

That’s not always true.

Some lenders will exclude company debt completely when assessing your borrowing power.

If you run a business and want to buy property, refinance or build, this is something you should know.

🎥 Watch the video to learn more.

28/02/2026

Big property changes may be coming in 2026.

- Rate rises.
- Capital gains tax review.
- Negative gearing limits.

But supply? Still the real issue.

We break down what this could mean for your borrowing power and next property strategy.

Full blog here: https://www.blackandwhitefinance.com.au/blog/february-2026-property-market-update-rates-cgt-negative-gearing

SydneyProperty NegativeGearing CGT FinancialClarity

19/02/2026

Your HECS debt can be daunting… but it’s not the deal-breaker people think.

You don’t need to pay it off to buy a property.
And depending on your situation, some banks assess it more favourably than others.

The difference isn’t the debt — it’s how the numbers are run.

Reach out and we’ll break it down properly.

03/02/2026

Why did the RBA raise rates again - February 2026.

A snack sized explanation - no grey areas.

29/01/2026

Buy now, or wait?

We break down the data, the risks, and the real pathways to getting in.

Link below ⬇️

Buy now or wait?In this episode of The Experts with Black & White Finance, I am joined by our expert mortgage brokers, Michael Archdall and John Lee to answ...

27/01/2026

Our Top 10 Mortgage Tips for 2026 are now available.

This year’s edition focuses on:
• managing loans in a higher-for-longer rate environment
• understanding how lending policy affects borrowing capacity
• making informed decisions rather than reacting to headlines

The list is built from real client conversations and real lending scenarios we’re seeing right now.

👉 Read the full article via the link in our bio.

24/01/2026

December jobs data surprised to the upside. Markets reacted fast. Fixed rates moved. Now inflation and the RBA are back in focus. What does this mean for property in 2026?

This short video is the headline version of our January market update…for those who don’t have time to read it all.
👉 Full blog here: https://www.blackandwhitefinance.com.au/blog/2026/1/24/monthly-update-january-2026

🎙️ Podcast teaser included in the article, out Thursday.

14/01/2026

Your mortgage broker shouldn’t ghost you.

If your loan was set up once and then ignored for years, that’s a problem.

Rates change. Policies change.

Your mortgage should keep up — not coast along. And your mortgage broker should be updating you frequently with updates so you can stay well informed with what
is happening to all things finance + property.

Don’t let your biggest financial commitment get forgotten.

13/01/2026

Offset account = waste of money?
❌Wrong

Over a bbq we debate what to do with spare cash, your mortgage and a bit of discipline.

Explaining it the Aussie multicultural way using sausages and souvlakia, of course.

Redraw:
➡️ Maybe you can get your money back, but, can be tricky

Offset:
💰Saves thousands in interest
💰Money is yours
😌Can set up buckets for different saving purposes