Black and White Finance

03/11/2026

As was widely anticipated, the RBA was forced to increase the cash rate today, to 4.85%.

Not sure why? Here’s a short summary of what this means.

31/10/2026

The only winners right now? Upsizers. First home buyers. Patient investors.
The RBA meets this Tuesday the 3rd of November and most economists expect a fifth rate rise this year. Sydney’s most expensive homes are already down about 11% from their peak, and more in some areas.
If you’re thinking of moving up, you sell for a bit less and buy for a lot less. But the new loan still has to pass the bank’s test, and higher rates make that tougher.
Let us run your numbers. Full update at the link in bio.

02/09/2026

The appeal of Sydney’s Eastern Suburbs is easy to understand. Working out what a property is actually worth can be much harder.

Peter Vassilis sits down with Ryan Glick from Optima Property Advisors to discuss how buyers can build a realistic brief, assess value and know when to walk away.

A practical conversation for anyone looking now or planning ahead.

🎥 Watch the full episode: https://youtu.be/-U4zGk98K9s?si=J-IRB0_S_ajCPQdL

Buying property in Sydney’s Eastern Suburbs is not just about choos...

31/08/2026

Sometimes it’s important to just wait. Whether it means renting a bit longer, saving more money, or passing on the wrong property, your financial well being is what matters most.
A quality mortgage broker should try and protect you from making expensive mistakes.

We’re a team that values peace of mind over a transaction.

28/08/2026

Two properties can look almost identical, be on the same street, and sit in very different markets.
Rebecca Hall explains why street, pocket and price point, matter as much as the suburb name.

🎥Full conversation here —> https://youtu.be/mppUx3JrRrc?si=ha14OVyUMGYKdaKW

25/08/2026

Why do so many people love Sydney’s Inner West and what does it take to buy well there?

Peter and Michael sit down with Angus and Hamada from Inner West Nest to discuss where to focus, what to compromise on, how to assess property value and why managing emotion matters at auction.

It is a practical conversation for anyone actively looking or planning ahead.

🎥 Watch the full episode here: https://youtu.be/OMH7b5TS_ZA?si=bWa3nLb5vxwKwtzz

Know someone considering the Inner West? Feel free to pass it on.

Buying property in Sydney’s Inner West is not only about choosing a...

23/08/2026

Buyers and borrowers have more power.

Sydney’s property market has softened, auction clearance rates have fallen and lenders are competing harder for good borrowers.

For some people, particularly upsizers, that can create genuine opportunity.

In our August 2026 Property Market Update, we break down:

🏡 Why a falling market can work in an upsizer’s favour
📉 What we’re seeing across Sydney property
🔑 Why the lower end of the market is holding up better
🏦 Why banks are increasingly willing to compete for borrowers
🌱 What we’re watching as we head into spring

As always, the right move depends on your own numbers and circumstances.

👉 Read the full August update:
https://www.blackandwhitefinance.com.au/blog/monthly-update/august-2026-sydney-property-market

General information only.

20/08/2026

Our latest Expert Series 🎥 episode takes us north of the Harbour Bridge.

Kiri Marsden and Peter Vassilis sit down with Rebecca Hall of Hallmarq Property Group to explore the Northern Beaches, Lower North Shore and Upper North Shore.

They discuss the different lifestyles and property types found across the region, the importance of street-level micro-markets, suburbs changing through new infrastructure and the value of having an experienced professional team.

Whether you’re considering a move, planning for the future or simply interested in what shapes Sydney property, this episode offers a valuable local perspective.

Watch the conversation: https://youtu.be/mppUx3JrRrc?si=wMQfFEcaupdiBO3v

14/08/2026

Is your Bank or Broker disappearing after settlement? We sure don’t.

Our team negotiates for all our clients every 6 months, making sure your lender is still competitive and in your best interest. You can relax and trust your loan is being looked after for the life of the loan, and beyond.

11/08/2026

Are your spending habits a bit messy? It doesn’t matter. We’ve seen it ALL BEFORE. We are here to work through your circumstances to achieve your objectives. No judgement & in confidence. Here to help.