Home Malone Finance

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07/06/2026

You don’t need to become a property expert.

You need a plan.

You need the right advice.

And you need confidence in your next step.

The people who make good property decisions aren’t the ones who know everything.

They’re the ones who ask questions and get the right support when they need it.

If you’ve been putting things off because you don’t feel ready yet, this is your reminder that you don’t have to figure it all out alone.

What’s the one property question you’ve been meaning to ask?

Can you really buy a home with NO deposit?In some cases, yes.A family guarantee could help eligible first home buyers ge...
05/06/2026

Can you really buy a home with NO deposit?

In some cases, yes.

A family guarantee could help eligible first home buyers get into the market sooner by using equity in a family member’s property as additional security.

But before you get too excited…

It’s not a one-size-fits-all solution.

There are lender-specific eligibility requirements, the guarantee is usually limited to a specific amount, and it’s important that everyone involved understands the risks.

The right question isn’t just:

“Can we do it?”

It’s:

“Does this strategy make sense for our situation?”

If you’re a first home buyer wondering whether a family guarantee could help, I can help you understand your options and whether you’re likely to qualify.

📩 Send me FIRST HOME.

04/06/2026

Would you pay 0.10% more for a seamless experience and a 4 hour turnaround VS an assessment that feels more like a medical check up and takes 4 weeks.

Keen to know your thoughts.

03/06/2026

Building a property will almost always cost more than you think.

Not because builders are doing the wrong thing.

Because there can be additional costs that arise during the build, including variations, site-related issues and other unforeseen requirements.

When we built ours, we spoke to multiple builders before making a decision.

And one of the biggest lessons?

Don’t just compare the price.

Compare what’s actually included.

A cheaper quote isn’t always cheaper once you start adding site costs, upgrades, council requirements and the things that inevitably pop up during construction.

The other thing I’d strongly recommend?

Keep a cash buffer.

I can’t stress this enough.

Even with careful planning, we still had unexpected costs throughout the project. Having money set aside meant those surprises were frustrating, not financially stressful.

The goal isn’t to build as cheaply as possible.

The goal is to go into the project with your eyes open and enough flexibility to handle the unexpected.

If you’re considering building, what’s your biggest concern right now?

01/06/2026

Nobody really says this, but the bank doesn’t have to live with your mortgage. You do.

Just because a bank will lend you a certain amount doesn’t mean that’s the right amount to borrow.

The same goes for interest rates.

Yes, they matter. But the cheapest rate isn’t always the best strategy if it stops you achieving your bigger goals.

The questions I’d be asking are:

• Can I comfortably afford this?
• Do I have the right people advising me?
• Does this decision still make sense long term?

Good property decisions are about more than borrowing power and interest rates.

They’re about building something you’ll be happy with years from now.

If you’re unsure what your next move should be, send me INVEST.

29/05/2026

The difference between a $500k loan and a $1 million loan is over $3,000 a month

People often focus on borrowing power before they look at repayments.

A lender might approve a loan.

That doesn’t automatically mean it fits your lifestyle, goals, or risk tolerance.

Before looking at the maximum amount you can borrow, ask yourself:

• What repayment feels comfortable?
• What buffer do I want to keep?
• How would I feel if rates increased?
• What other goals am I trying to achieve?

The best loan isn’t usually the biggest one.

It’s the one that helps you sleep at night.

Figures are approximate only and based on a 30-year principal and interest loan at 6.15% p.a. Individual circumstances will vary.

28/05/2026

Negative gearing changes won’t just change tax outcomes.
They’ll change investor behaviour.

And that’s the part I think people should pay attention to.

If investors can’t rely as heavily on tax refunds to offset holding costs, I think we’ll see a much bigger focus on:

* rental yield
* cashflow
* dual occupancy setups
* granny flats
* alternative ownership structures
* and unfortunately… more aggressively marketed investment stock

This is where people need to slow down a bit.

Because when uncertainty hits the market, there’s always someone ready to sell certainty.

Not every “investment opportunity” is actually a good long-term asset.

And if these changes happen, quality matters even more.

Not just what a property might save you at tax time.

If you’re investing, I’d be thinking about:
Can you comfortably hold the property without relying on a refund?
Do you have buffers?
Does the property still make sense long term?

That’s the stuff that matters.

DM me “INVEST” if you want help understanding what this could mean for your situation.

27/05/2026

First-home buyers: the internet has probably made you more confused, not less.

You’ve probably already started researching.

Schemes. Grants. Stamp duty concessions. Family guarantees.

And now you’ve got 17 tabs open and somehow less clarity than when you started.

I see this all the time.

The tricky part isn’t finding information.It’s figuring out what actually applies to you.

Because your income, deposit, borrowing capacity and goals all change what’s possible.

That’s why I help first-home buyers cut through the noise and understand:

• what they may be eligible for• what their borrowing power could look like• how much deposit they’ll likely need• and what makes sense for their situation specifically

No pressure.No jargon.Just clarity around your next step.

You might be closer to buying than you think.

Book a session via the link in bio if you want help understanding your options.

22/05/2026

Want to know if you’re actually ready for a mortgage, not just on paper?

Before buying, find out your future repayment. If it’s $4,000 per month, but you’re renting at $2,000 and saving $500, that’s $2,500 total - short of $4,000. Try saving the difference now to see if it’s sustainable. It can be a great exercise and sometimes a real eye-opener 😳

This isn’t about bank approval. It’s about real-life comfort.

Book in for a chat if you want to know your numbers upfront.

The renovation looked like the exciting part.But the granny flat was always the bigger play.The bigger strategy was impr...
19/05/2026

The renovation looked like the exciting part.
But the granny flat was always the bigger play.

The bigger strategy was improving the property’s long-term income potential by adding a granny flat.

And honestly, I think more investors are starting to think this way.

With all the discussion around negative gearing changes and rising holding costs, cash flow matters more than ever.

For us, this wasn’t about chasing the biggest property possible.

It was about making sure the investment stacked up long term and putting ourselves in a stronger position financially.

So once the existing house was renovated and rented, the next stage started:

* feasibility
* approvals
* builders
* council requirements
* running the numbers again
* and making sure the plan still made sense

Because this is the reality of property investing people don’t always see.

The strategy evolves as you go.

And sometimes the best investments aren’t the flashy ones.
They’re the ones that quietly make life easier over time.

Not tax or financial advice obviously 😅
Just sharing our experience and thought process as we go through it.

If you’re curious about the granny flat process, approvals, or the numbers behind it all, let me know and I’ll cover it in the next posts.




Address

115/1 Howard Street
Warners Bay, NSW
2282

Telephone

+61499077290

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