SP Mortgages

28/08/2026

💳 How BNPL can impact your home loan application 💳

Every time you apply for Buy Now Pay Later, it may trigger a credit check.

And too many credit checks can affect your credit score and be a red flag for lenders.

Late or missed BNPL payments can also be reported, which could reduce your score further.

Got a BNPL account active? DM us to find out more. 👇

To find out more, DM us or contact SP Mortgages on:

☎️ – 0433 180 646
💻 – [email protected]

27/08/2026

Property transactions involve big bucks – and that makes them a big target for scammers. With large sums of money at stake, we reveal what to look out for, and how to protect yourself from property settlement scams. 🔎 🏡

Property transactions involve big bucks – and that makes them a big target for scammers. With large sums of money at stake, we reveal what to look out for, and how to protect yourself from property settlement scams. Mention ‘scams’ and it’s easy to think of dodgy investment schemes or fake o...

26/08/2026

⏳ How hard does the market usually bounce back after a downturn?⏳⁣
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Waiting for property prices to hit a cyclical low could potentially work against home buyers. 🏡⁣
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Domain research shows prices have risen 32% on average after each of the eight past downturns. 📊⁣
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If the market dips now, buyers could potentially purchase a house at a good price. ⁣
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But if you wait too long, the market could pick up again and you could be purchasing when buyer competition is fierce. ⁣
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Being prepared is key. Speak to us today about pre-approval and get started on your property journey. 👇⁣
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To find out more, DM us or contact SP Mortgages on:

☎️ – 0433 180 646
💻 – [email protected]

24/08/2026

🏡 Strategies that can help clear your mortgage by retirement 🏡⁣
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One-in-three Gen Xs expect that they'll still be paying off a home loan in retirement, according to a Citro/AMP report.⁣
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But there are ways to potentially clear the slate sooner. 💡⁣
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Refinancing could see you save with a lower rate (just try not to extend the home loan term). ⁣
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An offset account can also put spare funds to work by reducing the interest charged on your home loan each month.⁣
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Meanwhile, making consistent extra repayments more often can help chip away at the loan balance. 📉⁣
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Call us for more tips to potentially be mortgage-free by the time you retire. 👇⁣
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To find out more, DM us or contact SP Mortgages on:

☎️ – 0433 180 646
💻 – [email protected]

21/08/2026

🌳 Looking for relaxed living and better affordability? 🌳

The regional median home value of $771,365 is much more affordable than the $1,030,973 median across our cities*.

And that's driving a trend towards regional living for more home buyers - either out bush or by the sea.

DM us to find out if a tree or sea change could help you buy sooner. 👇

To find out more, DM us or contact SP Mortgages on:

☎️ – 0433 180 646
💻 – [email protected]

* Cotality research

20/08/2026

While rising prices were the talk of the town not so long ago, the tide has started to turn, with property values beginning to soften – but it’s not all bad news for home owners. 🙌

While rising prices were the talk of the town not so long ago, the tide has started to turn, with property values beginning to soften – but it’s not all bad news for home owners. While we’re far from a market collapse, it’s only natural for home owners to be concerned that their valuable ass...

19/08/2026

🏡 1-in-3 home buyers rely on the bank of mum and dad 🏡⁣
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That's the latest survey data from Compare the Market.⁣
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But beware: lenders may check that financial support is a gift, not a loan to be repaid. ⚠️⁣
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Otherwise it may reduce your borrowing capacity. 📉⁣
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And banks still want to be sure you can comfortably manage loan repayments. 🏡⁣
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Speak to us first to find out how mum and dad can potentially lend a helping hand - without leading to hiccups during your loan application. 👇⁣
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To find out more, DM us or contact SP Mortgages on:

☎️ – 0433 180 646
💻 – [email protected]

17/08/2026

💳 The BNPL trap: how it could impact your home loan application 💳⁣
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Buy Now Pay Later (BNPL) may be quick and convenient, but it could affect your home loan application and/or credit rating. 🏡⁣
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That's because every time you apply for BNPL, it may trigger a credit check. 🔍⁣
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And too many credit checks can affect your credit score and be a red flag for lenders. 🚩⁣
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Late or missed BNPL payments can also be reported, which could reduce your credit score even further. ⁣
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Talk to us to know how BNPL could impact your loan application. 👇⁣
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To find out more, DM us or contact SP Mortgages on:

☎️ – 0433 180 646
💻 – [email protected]

14/08/2026

🏠 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, DM us or contact SP Mortgages on:

☎️ – 0433 180 646
💻 – [email protected]

13/08/2026

Great news! Homeowners can breathe a sigh of relief, with the RBA keeping the cash rate on hold in August. But just because the cash rate is sitting tight, doesn’t mean you have to. 😉

Great news! Homeowners can breathe a sigh of relief, with the Reserve Bank of Australia (RBA) keeping the cash rate on hold in August. But just because the cash rate is sitting tight, doesn’t mean you have to. As many as 49 different lenders are now offering variable interest rates starting with a...