UNDERSTAND WHAT YOUR FINANCES CAN ABSORB BEFORE CHANGING CONDITIONS TEST THEM FOR YOU No one enjoys imagining that interest rates may rise again, household expenses may increase or a property could be worth less than expected. However, testing those possibilities before they happen can help you make calmer and more informed decisions later. A financial…
HERE’S WHAT BUYERS, INVESTORS AND HOMEOWNERS NEED TO CONSIDER. Earlier this year, many buyers were worried that property prices would keep moving beyond their reach. Since then, interest rates have risen again, the Federal Budget has changed the outlook for some investors and property conditions have become softer and more uneven. Prices have fallen in…
Cross collateralisation is when a lender uses more than one of your properties as security for a single loan, or links multiple loans across several properties under one security pool. In other words, your properties are tied together and the bank has a claim over more than one asset for the debt you owe. In…
Recent industry and consumer studies show: A growing share of property investors are using brokers as part of their advice team, alongside accountants and financial planners. Across the broader market, brokers now facilitate around 80% of new home loans and a similar share of refinances, according to broking industry and media reports. Australians are increasingly…
The Federal Budget has created structural advantages for new build investors, however one critical factor often overlooked is timing – when you buy can now be just as important as what you buy. With the Budget reforms redirecting tax advantages towards new builds, investors considering house and land packages or new apartments face timing considerations…
Following Treasurer Jim Chalmers’ Federal Budget announcement on 12 May 2026, the Government has confirmed major changes to housing tax settings that represent the most significant shift since 1999. While headlines have focused on what investors are losing, the real story lies in the opportunities these reforms have created – particularly for those who know…
If the feature article attracted your interest, here’s a deeper dive into stagflation, why it’s so hard to fix and what it means for your finances in 2026. The policy dilemma at the heart of stagflation Stagflation creates a nightmare for the Reserve Bank of Australia (RBA) and the government. Status in early 2026 Why…
Stagflation (the toxic mix of high inflation and stagnant economic growth) is no longer just a 1970s textbook concept. In early 2026, some economists have warned that stagflation “is happening” or may be a serious near term risk for the economy. What stagflation actually means Stagflation occurs when an economy experiences three bad things at…
It can be overwhelming at the best of times when you’re entering the property market – whether it’s your first purchase or your tenth! When interest rates are rising and property prices keep grinding higher, along with the cost of living, it’s easy to lose your property mojo and start second guessing your every move.…
With global tensions rising and talk of more rate hikes in 2026, many Australians are asking whether this is the moment the housing market finally buckles under pressure. The short answer is…probably not! While the ongoing conflict overseas has added volatility to global markets, energy prices and the overall cost of living, history suggests that…