Lexor Finance

03/11/2026

Mortgage holders are once again left holding the bag on Melbourne Cup Day with the RBA lifting the cash rate to 4.85%, its highest level in 18 years. If your repayments are starting to bite, here’s how we can help you rein in your interest rate. 🐎

Mortgage holders are once again left holding the bag on Melbourne Cup Day with the RBA lifting the cash rate to 4.85%, its highest level in 18 years. If your repayments are starting to bite, here’s how we could help you rein in your interest rate.

02/11/2026

🏡 Younger buyers go big on deposits 🏡⁣
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Fun fact, today’s first homebuyers are saving bigger deposits than previous generations. 🏡⁣
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New research by Great Southern Bank shows Gen Z are most likely to put down an 11-15% deposit. ⁣
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By comparison, Baby Boomers typically started out with 5-10% deposit. ⁣
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It goes to show today’s first homebuyers are still nailing a solid deposit. 👏⁣
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Talk to us for hints and tips on buying your first home. 👇⁣
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To find out more call or contact Alok from Lexor Finance on:

☎️ – 0466 749 444
💻 – [email protected]
🌏 – lexorfinance.com.au
📍 – Suite 10/45 Tallis Circuit, Truganina VIC 3029

30/10/2026

🏠 Could your home be negatively geared one day? 🏠

New negative gearing rules that take effect from mid-2027 only apply to properties purchased after 12 May 2026.

So your home could be eligible for negative gearing in the future as an investment property.

Chat with your accountant or financial adviser first.

And then DM us to understand your finance options. 👇

To find out more call or contact Alok from Lexor Finance on:

☎️ – 0466 749 444
💻 – [email protected]
🌏 – lexorfinance.com.au
📍 – Suite 10/45 Tallis Circuit, Truganina VIC 3029

28/10/2026

🩺 What happens in a home loan health check? 🩺⁣
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First, we check the pulse of your loan: does it still meet your needs? 💡⁣
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Next, we look at vitals like the interest rate and loan features. 📊⁣
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Then we scope the market to see if you could secure a lower interest rate or save money on fees. 💰⁣
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It’s all about having the home loan that helps keep you in great financial shape. 🏡⁣
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Call today to arrange a home loan health check. 👇⁣
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To find out more call or contact Alok from Lexor Finance on:

☎️ – 0466 749 444
💻 – [email protected]
🌏 – lexorfinance.com.au
📍 – Suite 10/45 Tallis Circuit, Truganina VIC 3029

27/10/2026

Multiple offset accounts let first home buyers separate income streams and expenses while every dollar still reduces loan interest.

• Set up the structure at application to avoid costly loan variations later

• Quarantine business income, irregular payments, or a partner's separate income without losing the offset benefit

• Preserve tax deductions if you later convert the property to an investment

• Not all lenders offer this feature - confirm terms before you apply

We work with lenders across the panel and can identify loan structures that include multiple offset accounts without unnecessary fees. Call our team or book an appointment on below link.

https://lexorfinance.com.au/book-appointment/

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https://lexorfinance.com.au/blog/proven-tips-to-use-multiple-offset-accounts-on-your-first-home-loan

26/10/2026

🏡 What's the ideal age to move out and buy your own home? 🏡⁣
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Research by Finder shows most Australians believe that by age 31 it’s well and truly time to fly the nest.⁣
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That’s not far off age 33 - the average age for first homebuyers (CommBank data). 🙌⁣
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Living with mum and dad throughout your 20s can have its advantages though, such as saving up more for a first home deposit.⁣
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And there are even federal government schemes, such as the First Home Super Saver Scheme, that can help boost those savings.⁣
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Contact us about pathways to buying your first home. 👇⁣
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To find out more call or contact Alok from Lexor Finance on:

☎️ – 0466 749 444
💻 – [email protected]
🌏 – lexorfinance.com.au
📍 – Suite 10/45 Tallis Circuit, Truganina VIC 3029

25/10/2026

Purchasing a retirement home involves age-based lending criteria, income verification requirements, and loan structure decisions that differ materially from standard applications.

- Most lenders require repayment by age 70 to 80, with some extending further under specific conditions

- Superannuation pension income is assessed differently across lenders, and not all treat account-based pensions identically

- A deposit of 20% or more removes LMI and expands lender options for retirees

- Variable rate loans allow offset access, while fixed rates provide repayment certainty but restrict flexibility

Lexor Finance works with retirees across Victoria to structure home loan applications that align with long-term financial planning. Call our team or book an appointment today.

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https://lexorfinance.com.au/blog/why-should-retirees-consider-specialist-home-loan-advice

23/10/2026

📈 Demand for first home buyer loans jumped 16% 📈

It’s thanks largely to the expanded 5% Deposit Scheme.

Gen Z (18-25) has been the biggest benefactor, with Equifax reporting a 23% jump in home loan demand since October.

Could the 5% Deposit Scheme help you bring forward your home buying plans?

DM us to find out.
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To find out more call or contact Alok from Lexor Finance on:

☎️ – 0466 749 444
💻 – [email protected]
🌏 – lexorfinance.com.au
📍 – Suite 10/45 Tallis Circuit, Truganina VIC 3029

23/10/2026

Managing risk in an investment loan is about structuring exposure so adverse scenarios do not force liquidation or require capital injections at the worst moment.

Key considerations:

• LVR below 80% preserves refinancing options if values fall

• Interest-only repayments improve cash flow but defer equity build

• Debt to income limits now cap high-DTI lending to 20% of each lender's investor portfolio per quarter

• Negative gearing losses on established properties acquired after May 2026 are quarantined to residential property income from 2027-28 onward

• Cross-collateralisation constrains your ability to sell or refinance individual properties without lender consent

Structural decisions made at acquisition determine whether you retain control when vacancy rates rise or regulation shifts.

Lexor Finance | Melbourne-based broker supporting investors across Australia

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https://lexorfinance.com.au/blog/top-strategies-to-manage-investment-loan-risk

21/10/2026

🏗️ Which properties are still eligible for negative gearing? 🏗️⁣
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Under new tax reforms, investors can still negatively gear a property, and claim a 50% CGT discount. 💰⁣
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But only if you buy a newly built place that adds to housing supply. 🏡⁣
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That includes off-the-plan apartments, residential construction on previously vacant land, or a duplex built through a knock-down rebuild replacing a single freestanding house. 🏗️⁣
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Talk to us to find out more. 👇⁣
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To find out more call or contact Alok from Lexor Finance on:

☎️ – 0466 749 444
💻 – [email protected]
🌏 – lexorfinance.com.au
📍 – Suite 10/45 Tallis Circuit, Truganina VIC 3029