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Monday 8:30am - 5pm Tuesday 8:30am - 5pm Wednesday 8:30am - 5pm Thursday 8:30am - 5pm Friday 8:30am - 5pm

Cove Finance

We are a nimble bunch of professionals looking to help you get a result for your home loan.

We provide strategic advice as you need it and in a timely and professional manner. We are all about making your life easy and helping you find the best advice. When we review your home loan or help you find information on a new one we spend more time looking at you then the actual product. Loans should not be about how you interact with a bank and their process, it should be about what product be

st suits you. We are a nimble bunch of professionals looking to help you find the best result for your home loan.

01/04/2026

🏠 What’s the ideal home loan term length? 🏠⁣
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Well, just like songs and music, there's no one-size-fits-all answer - it's usually a case-by-case situation.⁣
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Let us explain. ⁣
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Not so long ago, 25 years was the typical home loan term. ⁣
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That’s steadily crept up to 30 years. 📈⁣
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And some lenders now even offer 40-year loans. 😮⁣
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So, what home loan term should you select? ⁣
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The answer is the one that fits your life circumstances - which usually means the one that you can comfortably afford the monthly repayments on. ✅⁣
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That's because, chances are, the value of your home will rise over time. ⁣
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Meanwhile, inflation will hopefully eat away at the value of your debt. ⁣
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And as you build equity (and your life situation changes), it may be possible to refinance to a shorter term to save on interest over the long run. 👇⁣
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To find out more, DM us or contact Cove Finance on:

☎️ – 02 8315 7064
💻 – [email protected]

31/03/2026

Settled.

Settled this Lennox head property using accountants dec, no financials as the recent years are not ready.

Clients secured the property they wanted and will move to a first tier lender once financials are good to go.

30/03/2026

📈 Could property prices break records in 2026? 📈⁣
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Home values could potentially hit new highs this year. ⁣
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REA Group is predicting home prices could rise 6-8% across our combined capitals in 2026. 📊⁣
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Meanwhile, a new report from KPMG predicts house prices across Australia could climb 7.7% this year and apartment values could rise 7.1%.⁣
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If you're looking to buy in the near to medium future, it could be worth considering bringing your home-buying plans forward to beat rising prices. 💰⁣
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Talk to us to find out your borrowing power. 💬⁣
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We could then also get the ball rolling on a home loan that matches your needs. 👇⁣
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To find out more, DM us or contact Cove Finance on:

☎️ – 02 8315 7064
💻 – [email protected]

25/03/2026

🏠 First homebuyers are dominating the home loan market 🏠⁣
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The number of new first home buyer loans rose 6.8% in the final quarter of 2025, outpacing investors and upgraders - according to ABS data. 📊⁣
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It’s the biggest jump in first home buyer demand in two years. ⁣
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What’s driving first home buyers? 🤔⁣
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Increased support through the 5% Deposit Scheme and the new Help to Buy program, says the ABS. ⁣
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Talk to us about your plans to buy a first home and we'll help you assess your borrowing capacity. ⁣
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You could potentially be home loan ready right now. 👇⁣
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To find out more, DM us or contact Cove Finance on:

☎️ – 02 8315 7064
💻 – [email protected]

23/03/2026

🏡 Could your siblings hold the key to home ownership? 🏡⁣
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Siblings can often be relied on to share a drink or a game of backyard cricket. 🏏⁣
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But now more Aussies are teaming up with their siblings to share the keys to a first home. 🔑⁣
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NAB reports a 33% increase in friends and family members buying property together. ⁣
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Pooling your resources can potentially help you crack the market sooner, or buy in an area you couldn’t afford solo. ⁣
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If you think you and your sibling could make a great property team, talk to us to find out if co-buying could work for you. 👇⁣
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To find out more, DM us or contact Cove Finance on:

☎️ – 02 8315 7064
💻 – [email protected]

18/03/2026

🏡 Gen X takes top spot for property wealth 🏡⁣
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Baby Boomers no longer hold the top spot for housing wealth in Australia. ⁣
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Research by KPMG reveals Gen X (1965-1980) have average property wealth of $1.455 million per household. 📈⁣
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The Boomers? They now average $1.36 million. ⁣
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That’s because Boomers are dialling down their property holdings ahead of retirement. ⁣
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Turns out younger Aussies aren’t doing too badly in the property stakes, either. ⁣
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KPMG says 25-34-year olds have seen household wealth rise 63% over the last 5 years, thanks mainly to rising home ownership. 🏠⁣
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Keen to get started building your property portfolio? ⁣
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Talk to us about government schemes that provide support for first home buyers. 👇⁣
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To find out more, DM us or contact Cove Finance on:

☎️ – 02 8315 7064
💻 – [email protected]

16/03/2026

🏡 5% Deposit Scheme fuels price surge in affordable homes 🏡⁣
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Is the newly expanded 5% Deposit Scheme pricing first home buyers out of the market? 🤔⁣
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Well, property price data analysts Cotality think so, pointing out that homes falling within the scheme’s price limits saw price growth of 3.6% in just the December quarter alone. ⁣
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Homes priced just above the price caps also rose 2.4% in the same period. ⁣
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The bottom line: lock in, as it looks like competition for affordable homes is heating up. 🔥⁣
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One option?⁣
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Start a conversation with us. For starters, we’ll help you calculate your borrowing power. ⁣
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Then, you may need to be open to being flexible on your choice of home and location - a first home doesn’t have to be a forever home, for instance. ⁣
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But it can help you get a foothold in the market before prices potentially go up further. 👇⁣
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To find out more, DM us or contact Cove Finance on:

☎️ – 02 8315 7064
💻 – [email protected]

11/03/2026

🚀 Refinancing is on a roll and the momentum is building 🚀⁣
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Refinancing reached new heights in 2025.⁣
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A record 641,552 loans were refinanced over the year, 20% higher than 2024’s 533,839, according to Money.com.au’s latest Mortgage Insights Report. 📈⁣
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And the momentum isn’t slowing. 💪⁣
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The Insights Report predicts refinancing volumes to grow a further 19% in 2026 to 762,437 loans. ⁣
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Why the rush to switch? 🤔⁣
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The potential for a lower rate, potentially better home loan features, and the chance to reduce your monthly mortgage repayments. ⁣
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If you haven’t reviewed your loan recently, now could be the time. ⏰⁣
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Contact us to see if you could save on monthly interest by refinancing. 👇⁣
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To find out more, DM us or contact Cove Finance on:

☎️ – 02 8315 7064
💻 – [email protected]

09/03/2026

🏚️ How much could your 2026 reno cost? 🏚️⁣
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Thinking of buying a fixer-upper? ⁣
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Or just keen to show your current home some love? ❤️⁣
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Knowing how much the renos will cost is essential to any home improvement project. 🛠️⁣
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Archicentre has just released its 2026 Cost Guide. 📘⁣
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Keen for a new kitchen? Allow upwards of $23,000. 🍳⁣
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New bathroom? Your budget should likely start at around $17,500. 🛁⁣
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Planning an extension? It can cost from $2,700 per square metre. ⁣
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But most importantly: how to pay for it all? 🤔⁣
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Talk to us. 💬⁣
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We can run you through some finance options that can potentially turn your renovation plans into reality. 👇 ⁣
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To find out more, DM us or contact Cove Finance on:

☎️ – 02 8315 7064
💻 – [email protected]

04/03/2026

💛 Does having a home loan = feel-good vibes? 💛⁣
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For most of us, taking on a mortgage is essential to buy a home. 🏡⁣
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But how does that big transition (generally) affect one's mental wellbeing?⁣
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Interestingly, there's a bit of a difference between the financial anxiety levels of debt free households vs mortgage holder households, according to Agile Market Intelligence.⁣
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When asked to describe their current financial situation, 31% of debt-free households were feeling financially anxious - up 2% from this time last year.⁣
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Meanwhile, just 25% of mortgage holder households were feeling financially anxious - down 1% from a year earlier.⁣
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If you'd like to explore whether home ownership is within reach for you - and how mortgage repayments would sit within your monthly household budget - then get in touch today. 👇 ⁣
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To find out more, DM us or contact Cove Finance on:

☎️ – 02 8315 7064
💻 – [email protected]

02/03/2026

🏁 Lock in: it’s a competitive market for buyers right now 🏁⁣
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The supply of listed homes increased 3.1% in January 2026, according to SQM research. 📊⁣
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But listings are still 11% lower compared to a year ago. 📉⁣
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So, on average, new homes are selling after just 28 days on the market, according to NAB's latest Housing Monitor report. ⁣
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Having all your ducks in a row can help provide you with a competitive edge. 🦆⁣
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Home loan pre-approval could allow you to act faster when the right property comes along. ⁣
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It could also help you bid with confidence at auctions. 🔨⁣
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And it can also let sellers (and the agent) know you’re a serious buyer. ⁣
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Get in touch today to discuss your borrowing power and pre-approval options. 👇⁣
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To find out more, DM us or contact Cove Finance on:

☎️ – 02 8315 7064
💻 – [email protected]

Address

Suite 4, 1 Dune Walk
Woolooware, NSW
2230

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Telephone

+61283157064

Website

https://www.covefinance.com.au/

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