Integnia Finance

05/06/2026

Buy now, pay later (BNPL) services are a popular way to spread the cost of purchases, but they’re not always the best option.

1. BNPL can be affordable if you pay on time**
Most BNPL services charge no interest, but late fees can add up quickly if you miss repayments. Some providers also charge account or processing fees, and longer-term plans may include interest.

2. Personal loans suit larger expenses**
BNPL limits are usually lower and repayment periods are short. For bigger costs like car repairs, medical bills, travel, or appliances, a personal loan can offer higher borrowing limits and more manageable repayments over a longer term.

3. BNPL can impact future borrowing**
Active BNPL accounts may be considered by lenders when assessing loan or mortgage applications. Since 2024, some BNPL providers are also required to conduct credit checks, and missed payments may affect your credit file.

If you’re unsure which option is right for you, a finance broker can help compare personal loan products and lenders to find a solution that suits your needs.

Buy now, pay later services have become a familiar part of how many Australians pay for things, from clothing and electronics to medical bills and car repairs. For smaller purchases, in particular, they can be very appealing with instant access, no interest, and repayments spread over a few weeks.

04/06/2026

𝗙𝗶𝗿𝘀𝘁 𝗵𝗼𝗺𝗲 𝗯𝘂𝘆𝗲𝗿 𝘀𝗰𝗵𝗲𝗺𝗲 𝗱𝗿𝗶𝘃𝗶𝗻𝗴 𝘂𝗽 𝗽𝗿𝗶𝗰𝗲𝘀 𝗳𝗼𝗿 𝗮𝗳𝗳𝗼𝗿𝗱𝗮𝗯𝗹𝗲 𝗵𝗼𝗺𝗲𝘀
* The expanded 5% deposit scheme is boosting competition at the lower end of the market.
* Since 1 October, homes under price caps rose 6.7%—almost double the 3.6% growth above caps.
* In Sydney, sub‑$1.5m homes are up 4.1% over six months, while higher‑end homes fell 1.1%.
* The share of suburbs below price caps has dropped from 48.6% to 39.5% nationally.

If you want it even shorter (e.g., one sentence), I can compress it further.

01/06/2026

𝗪𝗵𝘆 𝘁𝗵𝗲 𝗘𝗢𝗙𝗬 𝗶𝘀 𝗮 𝗴𝗿𝗲𝗮𝘁 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗲𝗾𝘂𝗶𝗽𝗺𝗲𝗻𝘁
EOFY is a busy time for equipment finance—here’s what to know:

𝗜𝗻𝘀𝘁𝗮𝗻𝘁 𝗮𝘀𝘀𝗲𝘁 𝘄𝗿𝗶𝘁𝗲-𝗼𝗳𝗳– Claim assets under $20k installed before 30 June (drops to $1k after).

𝗣𝗿𝗲𝘀𝗲𝗿𝘃𝗲 𝗰𝗮𝘀𝗵 𝗳𝗹𝗼𝘄– Financing helps keep working capital available.

𝗘𝗢𝗙𝗬 𝗱𝗲𝗮𝗹𝘀– Good discounts are out there, but don’t rush your decision.

𝗕𝗲 𝗿𝗲𝗮𝗱𝘆 𝗳𝗼𝗿 𝗝𝘂𝗹𝘆 – Equipment installed now can start delivering straight away.

𝗗𝗼𝗻’𝘁 𝗱𝗲𝗹𝗮𝘆 – June gets busy and late applications may miss the deadline.

A finance broker can help you compare options and get it sorted before 30 June.

29/05/2026

𝟰 𝘁𝗵𝗶𝗻𝗴𝘀 𝘁𝗼 𝗵𝗮𝘃𝗲 𝗿𝗲𝗮𝗱𝘆 𝗯𝗲𝗳𝗼𝗿𝗲 𝗮𝗽𝗽𝗹𝘆𝗶𝗻𝗴 𝗳𝗼𝗿 𝗮 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗹𝗼𝗮𝗻 𝗯𝗲𝗳𝗼𝗿𝗲 𝗘𝗢𝗙𝗬
With EOFY approaching, getting your finance ready can make all the difference.

𝗨𝗽-𝘁𝗼-𝗱𝗮𝘁𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹𝘀 – Have your last 2 years of tax returns and statements ready.

𝗥𝗲𝗰𝗲𝗻𝘁 𝗯𝗮𝗻𝗸 𝘀𝘁𝗮𝘁𝗲𝗺𝗲𝗻𝘁𝘀– Lenders review 3–6 months of cash flow.

𝗖𝗹𝗲𝗮𝗿 𝗹𝗼𝗮𝗻 𝗽𝘂𝗿𝗽𝗼𝘀𝗲 – Know exactly what the funds are for.

𝗔𝗧𝗢 𝗶𝗻 𝗴𝗼𝗼𝗱 𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴– Clear any tax debts or overdue lodgements first.

A finance broker can help you compare options and get everything sorted before the EOFY deadline.

27/05/2026

EOFY is a popular time to buy a car—but before you sign, understand your finance.

𝗗𝗲𝗮𝗹𝗲𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝗶𝘀𝗻’𝘁 𝗮𝗹𝘄𝗮𝘆𝘀 𝘁𝗵𝗲 𝗯𝗲𝘀𝘁 𝗱𝗲𝗮𝗹– Compare options first to get a better rate.

𝗣𝗿𝗲-𝗮𝗽𝗽𝗿𝗼𝘃𝗮𝗹 𝗴𝗶𝘃𝗲𝘀 𝘆𝗼𝘂 𝗽𝗼𝘄𝗲𝗿 – Know your budget and negotiate a better price.

𝗪𝗮𝘁𝗰𝗵 𝗯𝗮𝗹𝗹𝗼𝗼𝗻 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 – Lower repayments now can mean a big lump sum later.

𝗬𝗼𝘂𝗿 𝗰𝗿𝗲𝗱𝗶𝘁 𝗺𝗮𝘁𝘁𝗲𝗿𝘀– Check your report early to avoid surprises.

A finance broker can help you compare options before you step into a dealership.

26/05/2026

Lenders assess far more than just your income. Taking a few steps before you apply can make a real difference to your chances of approval.

𝗖𝗵𝗲𝗰𝗸 𝘆𝗼𝘂𝗿 𝗰𝗿𝗲𝗱𝗶𝘁 𝗿𝗲𝗽𝗼𝗿𝘁 – Look for errors, defaults or missed payments before a lender does.

𝗥𝗲𝗱𝘂𝗰𝗲 𝘂𝗻𝘂𝘀𝗲𝗱 𝗰𝗿𝗲𝗱𝗶𝘁 𝗰𝗮𝗿𝗱 𝗹𝗶𝗺𝗶𝘁𝘀 – Lenders assess cards at their full limit, not just the balance you carry.

𝗦𝗵𝗼𝘄 𝗰𝗼𝗻𝘀𝗶𝘀𝘁𝗲𝗻𝘁 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 – Regular deposits into a savings account signal good financial habits.

𝗣𝗮𝘆 𝗱𝗼𝘄𝗻 𝗲𝘅𝗶𝘀𝘁𝗶𝗻𝗴 𝗱𝗲𝗯𝘁𝘀 – Car loans, personal loans and buy now, pay later balances all reduce your borrowing capacity.

𝗔𝘃𝗼𝗶𝗱 𝗻𝗲𝘄 𝗰𝗿𝗲𝗱𝗶𝘁 𝗮𝗽𝗽𝗹𝗶𝗰𝗮𝘁𝗶𝗼𝗻𝘀– Multiple enquiries on your credit file in a short period can raise concerns for lenders.

A mortgage broker can review your financial position and help you compare your options before you apply.

20/05/2026

⚠️ Big changes are coming for property investors — and the clock is ticking.
From 1 July 2027, both negative gearing and capital gains tax rules are being overhauled. If you own investment property, here's what you need to know:
✅ Your existing property is grandfathered for negative gearing — but only while you hold it.
✅ Capital gains before July 2027 still attract the 50% discount.
❌ Gains after that date? The discount is gone.
❌ Want to add to your portfolio under the current rules? The window closes 12 May 2026.
Now is the time to review your strategy — not after the rules change.
📞 Give the Integnia Finance team a call today. We'll help you understand exactly where you stand and what your options are.
👉 integniafinance.au
General information only. Please speak with a qualified financial adviser before making any decisions.

30/04/2026

Another episode of Money Matters & Macchiato.
This time we talk to 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗲𝘅𝗽𝗲𝗿𝘁-𝗦𝗵𝗮𝗻𝗲 𝗝𝗼𝗻𝗲𝘀 about why personal & business insurances are critical when investing and running businesses.

29/04/2026

What first home buyers often overlook when purchasing property.

Buying your first home is an exciting milestone. For many Australians, it represents years of saving, planning, and finally stepping into the property market. But the focus on deposits, borrowing capacity and finding the right home could sometimes cause buyers to overlook other important factors. Wh...

18/03/2026

Check out spunky Greg in ad 2 playing on WIN TV!!!📺