Integnia Finance

04/09/2026

𝗡𝗲𝘄 𝗛𝗼𝗺𝗲 𝗕𝘂𝘆𝗲𝗿𝘀...now is the time to work out where you stand.
Contact us today to determine how you are positioned.
Please note: General advice only.
Your complete financial situation will need to be assessed by your advisor before a decison is made.

01/09/2026

𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝗮 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗹𝗼𝗮𝗻?🚗🏡💙
From cars and renovations to medical expenses or debt consolidation, a personal loan can help fund life’s big moments. Here’s what first-time borrowers should know before applying.

A personal loan can be a great way to fund a significant expense, whether that is a car, a home renovation, a medical procedure or consolidating existing debt into a single repayment. But for first-time borrowers, the process can feel unfamiliar, and there are a few things worth understanding before...

31/08/2026

🌱 𝗦𝗽𝗿𝗶𝗻𝗴 𝗶𝘀 𝗮 𝗽𝗼𝗽𝘂𝗹𝗮𝗿 𝘁𝗶𝗺𝗲 𝗳𝗼𝗿 𝗲𝗾𝘂𝗶𝗽𝗺𝗲𝗻𝘁 𝗽𝘂𝗿𝗰𝗵𝗮𝘀𝗲𝘀. 𝗕𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝘀𝗶𝗴𝗻, 𝗮𝘀𝗸 𝘁𝗵𝗲𝘀𝗲 𝘁𝗵𝗿𝗲𝗲 𝗸𝗲𝘆 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀:

💰 𝗪𝗵𝗮𝘁'𝘀 𝘁𝗵𝗲 𝘁𝗼𝘁𝗮𝗹 𝗰𝗼𝘀𝘁?
Look beyond the monthly repayment and factor in fees and any balloon payment.

⏳𝗖𝗮𝗻 𝗜 𝗲𝘅𝗶𝘁 𝗲𝗮𝗿𝗹𝘆?
Understand any early termination fees or obligations before committing.

📋 𝗜𝘀 𝗶𝘁 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲?
Options like chattel mortgages, finance leases and hire purchase have different tax, GST and ownership implications.

✅ A finance broker can help you compare finance options and find the right structure for your business needs.

30/08/2026

💼 𝗔 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗹𝗶𝗻𝗲 𝗼𝗳 𝗰𝗿𝗲𝗱𝗶𝘁 𝗰𝗮𝗻 𝗵𝗲𝗹𝗽 𝘀𝗺𝗼𝗼𝘁𝗵 𝗰𝗮𝘀𝗵 𝗳𝗹𝗼𝘄 𝘄𝗵𝗲𝗻 𝘁𝗶𝗺𝗶𝗻𝗴 𝗱𝗼𝗲𝘀𝗻'𝘁 𝗴𝗼 𝘁𝗼 𝗽𝗹𝗮𝗻. 𝗛𝗲𝗿𝗲'𝘀 𝗵𝗼𝘄 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀 𝗰𝗼𝗺𝗺𝗼𝗻𝗹𝘆 𝘂𝘀𝗲 𝗼𝗻𝗲:

💰 𝗖𝗼𝘃𝗲𝗿 𝗰𝗮𝘀𝗵 𝗳𝗹𝗼𝘄 𝗴𝗮𝗽𝘀
Keep paying suppliers and staff while waiting for customer payments.

📈 𝗠𝗮𝗻𝗮𝗴𝗲 𝘀𝗲𝗮𝘀𝗼𝗻𝗮𝗹 𝘂𝗽𝘀 𝗮𝗻𝗱 𝗱𝗼𝘄𝗻𝘀
Access funds during quieter periods and repay them when business picks up.

📦 𝗙𝘂𝗻𝗱 𝘀𝘁𝗼𝗰𝗸 𝗼𝗿 𝗺𝗮𝘁𝗲𝗿𝗶𝗮𝗹𝘀
Purchase inventory ahead of busy periods without straining working capital.

⚡ 𝗛𝗮𝗻𝗱𝗹𝗲 𝘂𝗻𝗲𝘅𝗽𝗲𝗰𝘁𝗲𝗱 𝗲𝘅𝗽𝗲𝗻𝘀𝗲𝘀
Cover urgent repairs, supplier costs or staffing needs when they arise.

✅ A finance broker can help you compare business line of credit options across a range of lenders.

24/08/2026

🏢𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮’𝘀 𝗰𝗼𝗺𝗺𝗲𝗿𝗰𝗶𝗮𝗹 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗺𝗮𝗿𝗸𝗲𝘁 𝗶𝘀 𝘀𝗵𝗼𝘄𝗶𝗻𝗴 𝘀𝘁𝗿𝗼𝗻𝗴 𝘀𝗶𝗴𝗻𝘀 𝗼𝗳 𝗿𝗲𝗰𝗼𝘃𝗲𝗿𝘆, with$𝟭𝟭.𝟳 𝗯𝗶𝗹𝗹𝗶𝗼𝗻 in transactions recorded in Q2 2026, up 𝟱% on the ten-year average.

📈 𝗞𝗲𝘆 𝗵𝗶𝗴𝗵𝗹𝗶𝗴𝗵𝘁𝘀:• Domestic investors drove growth, contributing$𝟴.𝟲 𝗯𝗶𝗹𝗹𝗶𝗼𝗻, 𝘂𝗽 𝟯𝟯% 𝘆𝗲𝗮𝗿-𝗼𝗻-𝘆𝗲𝗮𝗿 • Industrial property transactions increased 𝟲𝟰% • Hotel investments more than 𝘁𝗿𝗶𝗽𝗹𝗲𝗱 • Offshore investment softened but was offset by strong local demand

✅ Considering commercial property? A finance broker can help you compare commercial lending options and find the right solution for your investment goals.

20/08/2026

🚗 𝗖𝗼𝘂𝗹𝗱 𝗶𝘁 𝗯𝗲 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗿𝗲𝘃𝗶𝗲𝘄 𝘆𝗼𝘂𝗿 𝗰𝗮𝗿 𝗹𝗼𝗮𝗻? 𝗛𝗲𝗿𝗲 𝗮𝗿𝗲 𝗳𝗼𝘂𝗿 𝘀𝗶𝗴𝗻𝘀:

✅𝗜𝘁’𝘀 𝗯𝗲𝗲𝗻 𝗼𝘃𝗲𝗿 𝗮 𝘆𝗲𝗮𝗿
Loan rates and your financial situation may have changed.

📈 𝗬𝗼𝘂𝗿 𝗰𝗿𝗲𝗱𝗶𝘁 𝗼𝗿 𝗶𝗻𝗰𝗼𝗺𝗲 𝗵𝗮𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱
You could now qualify for better loan options.

🏢 𝗬𝗼𝘂 𝗳𝗶𝗻𝗮𝗻𝗰𝗲𝗱 𝘁𝗵𝗿𝗼𝘂𝗴𝗵 𝘁𝗵𝗲 𝗱𝗲𝗮𝗹𝗲𝗿𝘀𝗵𝗶𝗽
Dealer finance is convenient, but not always the most competitive.

⏳ 𝗬𝗼𝘂𝗿 𝗳𝗶𝘅𝗲𝗱 𝘁𝗲𝗿𝗺 𝗶𝘀 𝗲𝗻𝗱𝗶𝗻𝗴
Review your options before your loan rolls over.

💡 A finance broker can compare a range of lenders and help determine whether refinancing could save you money.

20/08/2026

🏢 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮’𝘀 𝗼𝗳𝗳𝗶𝗰𝗲 𝗺𝗮𝗿𝗸𝗲𝘁 𝗶𝘀 𝘀𝗵𝗼𝘄𝗶𝗻𝗴 𝘀𝗶𝗴𝗻𝘀 𝗼𝗳 𝗿𝗲𝗰𝗼𝘃𝗲𝗿𝘆, with businesses leasing more space across major cities.

📈 𝗞𝗲𝘆 𝗵𝗶𝗴𝗵𝗹𝗶𝗴𝗵𝘁𝘀:
• Sydney vacancy fell to 𝟭𝟯.𝟯%, with office demand more than double the long-term average
• Melbourne vacancy remains higher at𝟭𝟴.𝟵%, but demand is among the strongest of all capitals
• Businesses are upgrading to higher-quality offices, attracted by competitive rents and incentives
• New office developments remain limited, with vacancy rates expected to fall further as supply stays tight

✅ Considering commercial property? A finance broker can help you compare commercial lending options and find the right solution for your goals.

18/08/2026

🏡 𝗛𝗼𝘂𝘀𝗶𝗻𝗴 𝗮𝗽𝗽𝗿𝗼𝘃𝗮𝗹𝘀 𝗵𝗶𝘁 𝗮 𝗳𝗼𝘂𝗿-𝘆𝗲𝗮𝗿 𝗵𝗶𝗴𝗵, with detached house approvals reaching their highest monthly level since August 2021.

📈𝗝𝘂𝗻𝗲 𝗿𝗲𝘀𝘂𝗹𝘁𝘀: • Detached house approvals rose𝟭.𝟭% 𝘁𝗼 𝟭𝟬,𝟴𝟳𝟬 • Multi-unit approvals jumped 𝟭𝟳.𝟳% 𝘁𝗼 𝟳,𝟰𝟲𝟬

📊 𝗢𝘃𝗲𝗿 𝟮𝟬𝟮𝟱-𝟮𝟲: • 𝟭𝟮𝟭,𝟭𝟰𝟬 detached houses approved nationally, up 𝟳%• WA led growth (𝟭𝟭%), followed by NSW (𝟭𝟬.𝟱%) and QLD (𝟴.𝟲%)• Queensland also recorded the strongest multi-unit growth, 𝘂𝗽 𝟰𝟵.𝟲%

⚠️ Despite the strong figures, the HIA says housing affordability remains at its worst level in more than 30 years and is calling for lower home-building costs.

✅ Thinking about buying or investing? A mortgage broker can help you compare your options and navigate the market with confidence.

14/08/2026

𝗧𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝗯𝗿𝗶𝗱𝗴𝗶𝗻𝗴 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝗯𝗲𝗳𝗼𝗿𝗲 𝘀𝗽𝗿𝗶𝗻𝗴? 𝗛𝗲𝗿𝗲 𝗮𝗿𝗲 𝘁𝗵𝗲 𝗸𝗲𝘆 𝘁𝗵𝗶𝗻𝗴𝘀 𝘁𝗼 𝗸𝗻𝗼𝘄:

🏡 𝗕𝘂𝘆 𝗯𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝘀𝗲𝗹𝗹
Bridging finance lets you purchase your next home before your current property sells.

💰 𝗧𝘄𝗼 𝗹𝗼𝗮𝗻𝘀 𝗯𝗲𝗰𝗼𝗺𝗲 𝗼𝗻𝗲
Your existing mortgage and new loan are combined into a single facility known as peak debt.

📈𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗶𝘀 𝗼𝗳𝘁𝗲𝗻 𝗮𝗱𝗱𝗲𝗱 𝘁𝗼 𝘁𝗵𝗲 𝗹𝗼𝗮𝗻
Repayments can usually be deferred during the bridging period, but interest increases your overall debt.

⏳ 𝗧𝗵𝗲𝗿𝗲’𝘀 𝗮 𝗱𝗲𝗮𝗱𝗹𝗶𝗻𝗲 𝘁𝗼 𝘀𝗲𝗹𝗹
Most lenders allow 6-12 months to sell your existing property.

📉 𝗬𝗼𝘂𝗿 𝘀𝗮𝗹𝗲 𝗽𝗿𝗶𝗰𝗲 𝗺𝗮𝘁𝘁𝗲𝗿𝘀
If your home sells for less than expected, it can affect your final debt position.

🏦 𝗡𝗼𝘁 𝗮𝗹𝗹 𝗹𝗲𝗻𝗱𝗲𝗿𝘀 𝗼𝗳𝗳𝗲𝗿 𝗶𝘁
Bridging finance is a specialist product, with eligibility, costs and terms varying between lenders.

A mortgage broker can help compare lenders and find the right bridging finance option for your situation. ✅

13/08/2026

𝗜𝘀 𝗶𝘁 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲?𝗦𝗽𝗿𝗶𝗻𝗴 𝘀𝗲𝗹𝗹𝗶𝗻𝗴 𝘀𝗲𝗮𝘀𝗼𝗻 𝗶𝘀 𝗰𝗼𝗺𝗶𝗻𝗴 - 𝘄𝗵𝗮𝘁 𝗯𝘂𝘆𝗲𝗿𝘀 𝘀𝗵𝗼𝘂𝗹𝗱 𝗱𝗼 𝗻𝗼𝘄 𝘁𝗼 𝗴𝗲𝘁 𝗿𝗲𝗮𝗱𝘆

Spring is consistently the busiest period of the year for Australian property, with more listings, open homes and competition than at any other time. For buyers who want to be in a strong position when the market picks up in September and October, August is the ideal time to prepare. Getting ready n...