Finance Broking

December 2, 2025

Buying a holiday home can feel like a dream — whether it’s a cosy mountain cabin or a beachfront escape — but it’s important to understand the realities behind the romance. Before investing, consider how you plan to use the property, as personal use versus short-term renting can significantly affect your income and long-term returns. Research local market conditions, including rental demand, tourism patterns, and capital growth indicators, so you understand how seasonal peaks and quieter periods may impact your budget. It’s also essential to check the laws and regulations governing short-term rentals in your chosen area, as rules vary across states and councils. Requirements such as property registration, limits on rental days, behaviour standards, and even levies (like Victoria’s 7.5% short-stay levy) may affect your plans. Financially, holiday homes come with ongoing costs such as mortgages, insurance, cleaning, and maintenance, as well as tax considerations including deductions, negative gearing, capital gains tax, and potential stamp duty or land tax obligations. If you’re excited to turn your holiday-home dream into reality, our team is here to help guide your next steps and support you through the financial planning process.

September 29, 2025

Inflation has been heading in the right direction and the Reserve Bank of Australia has cut the cash rate three times in 2025. So, is now a good time to refinance?

July 8, 2025

As the end of financial year approaches, it's the perfect time to reassess whether your home loan still fits your needs. Our EOFY Home Loan Health Checklist walks you through 7 key areas—from evaluating your loan features and lender service to leveraging equity and spotting hidden fees. Whether your circumstances have changed or you simply want to see if a better deal is out there, this guide will help you make informed decisions. A quick check-in now could lead to long-term savings and smarter financial outcomes in the new financial year.

June 13, 2025

If you’re planning to build your own home, a construction loan could help finance your project. Unlike standard home loans, construction loans provide funds progressively in stages as your new home is built. Here are a few of the key points you should consider.

May 20, 2025

Securing a loan as a self-employed business owner can feel like an uphill battle. Unlike salaried employees with predictable income and PAYG payslips, self-employed individuals often have fluctuating earnings, making it more challenging to meet traditional lending criteria. However, with the right approach and guidance, obtaining finance is not only possible but can be a smooth and stress-free process.

February 4, 2025

As we step into 2025, we’re excited to help you achieve your financial goals and unlock new opportunities for your future. Whether you're looking to refinance, restructure your loans, or explore new mortgage options, now is the perfect time to review your current situation and consider how to make the most of your finances.