Rate Money - Fairfield

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Rate Money - Fairfield

Dont Loan Alone. Tailored homeloan solutions for the self-employed.
🌐ratemoney.com.au/fairfield

17/06/2026

SMSF property is definitely becoming a bigger topic lately, especially with investors looking for different ways to build long term wealth.

But it is important to understand that buying property through an SMSF is very different to a standard property purchase.

There are strict rules around:
• Borrowing structures
• How the property is held
• What the fund can and cannot do
• Ongoing compliance requirements

And while SMSFs can create opportunities for some investors, the structure and strategy behind it really matters.

Like most things in property, it is not just about “Can I do it?”
It is about whether it aligns with your long term plans and overall position.

- Chris
📞 02 8111 5962

16/06/2026

I'm having a lot of conversations lately around buying property through company and trust structures.

For many investors, the structure itself is becoming just as important as the property purchase.

Why?

Because company and trust structures can influence:
✔️ Borrowing capacity
✔️ Cash flow
✔️ Asset protection
✔️ Long term portfolio flexibility

But one thing that often gets missed is this:

A structure does not replace strategy.

Whether a property is purchased personally, through a company, or through a trust, the fundamentals still matter. Cash flow, servicing, long term goals and the ability to hold the asset through changing market conditions are still key.

And as Australia’s lending policies continue to evolve, many investors are finding that financing through these structures has become more specialised than it used to be.

It's why more Australians are starting to think beyond just “Can I buy?” and instead asking, “What structure actually aligns with my long term plans?”

Our team here at Fairfield is having these conversations with clients every day.

Want to know more?
Let’s chat.
- Chris

📞 02 8111 5962

15/06/2026

But before buying an investment property, there are a few important things worth thinking about first.

Here are 5 considerations I often discuss with clients:

✔️ Cash flow and holding costs
It is not just about the purchase price. Interest rates, insurance, maintenance and ongoing expenses all matter.

✔️ Your long term plans
Are you buying for short term growth, long term wealth creation or future passive income?

✔️ Borrowing capacity
Your current structure, income and existing debts can all influence what may be possible moving forward.

✔️ The ownership structure
For some investors, purchasing personally works well. Others may explore company or trust structures depending on their broader strategy.

✔️ Flexibility
The market changes. Interest rates change. Your circumstances can too. Having flexibility built into your overall position can make a big difference long term.

Want to chat more?
Let's chat.
- Chris
📞 02 8111 5962

10/06/2026

Running a business right now isn’t cheap.
Fuel, materials, wages. A lot has shifted recently and it is still changing.

When your business costs move, your cash flow usually feels it first.

For a lot of the clients I work with, it is not about making big changes.
It is about stepping back and asking:

- Is the current setup still the right one?
- Are repayments structured the right way?
- Is there more flexibility available?

Sometimes the answer is no change is needed.
Sometimes there is a better way to structure things.

If you want to sense check where you are at, I am always happy to have a chat.

Chris
📞 02 8111 5962

09/06/2026

It appears confidence is starting to return to the East Coast market, but not evenly.

Some buyers are still sitting on the sidelines waiting for certainty.
Others are getting organised now because they know competition can return quickly once sentiment shifts.

Across the East Coast, we are seeing:
✔️ National property values continue to edge higher*
✔️ Housing supply remaining tight in many affordable markets*
✔️ Sydney listings tightening, especially in more accessible price brackets*
✔️ Buyers paying far closer attention to borrowing capacity and repayments than they were 12 months ago*

CoreLogic reported continued national dwelling value growth through May, while recent reporting from realestate.com.au highlighted increasing competition for affordable Sydney homes as listings continue to drop.

In reality, most people do not buy property at the “perfect” time.
They buy when their position, cash flow and long term plans align.

That is why more conversations right now are focused on structure, flexibility and understanding options early, rather than rushing later.

- Chris

Sources*
https://www.realestate.com.au/news/competition-for-affordable-sydney-homes-to-intensify-as-listings-drop/ https://www.rba.gov.au https://www.corelogic.com.au/insights

08/06/2026

"Why can getting a mortgage be more complex if you are self employed?"

Every situation is different, but self-employed income does not always fit the standard way loans are assessed.

Income can fluctuate throughout the year, business expenses can reduce what shows as taxable income, and newer businesses may not have a long history yet.

That does not mean it is not possible. It just means your situation needs to be understood properly and looked at in the right way.

Find out more about how we are helping self-employed customers find home loans that work for them: https://ratemoney.com.au/fairfield-branch

04/06/2026

Cut Through Home Loan Paperwork.

When you’re self-employed, applying for a home loan can come with its challenges.

At Rate Money Fairfield, our team of self-employed home loan experts understand this and look at your income across a range of documents, including:
Income Declaration Form plus ONE of the following:
- Accountants letter
- 6 months BAS
- 6 months business bank statements
- 1 year financial statement

This helps build a clearer picture of how your business performs over time, not just what it looks like on paper.

Running your own business shouldn’t make getting a loan harder.

We back your hustle, not your paperwork.

https://ratemoney.com.au/fairfield-branch

03/06/2026

Major banks are not always the only pathway available.

Especially if your situation includes:
✔️ A company or trust structure
✔️ Self employed income
✔️ Multiple entities or income streams
✔️ More complex financials

Our team at Fairfield works with self-employed Australians every day to explore alternative options that may offer more flexibility for more sophisticated structures.

Sometimes it is not about changing everything.
It is just about understanding what else may be available.

- Chris

02/06/2026

Australia’s property market continues to shift, and while the overall direction remains positive, conditions are still varying state by state.

If you’re thinking about buying, refinancing or restructuring, understanding these differences can make a real impact.

NSW
Sydney’s market remains competitive, particularly in more affordable segments. Listings have stayed relatively tight, which is continuing to support prices, even as growth moderates compared to previous years.

Victoria
Melbourne and regional Victoria are showing signs of steady recovery. Buyer activity has picked up in certain pockets, particularly where affordability is still within reach, with gradual price movement rather than sharp increases.

QLD
Brisbane and broader Qld markets continue to perform strongly. Demand remains consistent, supported by interstate migration and lifestyle appeal, with many areas still experiencing solid price resilience.

South Australia
Adelaide has continued to show steady growth, with ongoing demand and relatively accessible entry points compared to other capital cities helping support the market.

What this highlights is that there’s no single “national market.” Conditions continue to vary depending on location, timing and local demand.

Whether you’re purchasing, refinancing or reviewing your current position, understanding both your financial position and your local market conditions can help you make more informed decisions.

Sources:
https://www.realestate.com.au
https://www.rba.gov.au
https://www.corelogic.com.au/insights

01/06/2026

Q: How do interest rates affect my loan when it is in a company or trust structure?

A: Interest rate movements can affect company and trust borrowers differently because these structures are often tied to investment strategies, business cash flow and tax planning.

As rates rise, it can impact:
• Cash flow and profitability within the entity
• Borrowing capacity for future purchases
• Overall holding costs for investments
• How comfortably the structure services debt

For some borrowers, higher interest costs may also reduce distributions or profits within the structure itself.

There can also be additional considerations around tax treatment and compliance requirements depending on how the structure is set up.

That is why many investors and business owners regularly review their position as interest rates and market conditions change.

Sources:
https://www.accountingtimes.com.au/

Address

Shop 3, 24-26 Nelson Street, Fairfield
Sydney, NSW
2165

Telephone

+61281115962

Website

http://www.ratemoney.com.au/fairfield-branch

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