Jeff & Moishe — Co-directors
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Practical articles on Australian property finance, market updates, and the questions our clients actually ask. Updated weekly.
Lenders reserve their sharpest pricing for borrowers under 80% LVR — but they aim it at new customers, and your existing loan doesn't reprice itself. One client moved from 6.86% to 6.04% on $773,000: about $416 a month.
Your actual rate today, when your fixed or interest-only period ends, offset versus redraw, your current LVR, and what your package fee buys. One client could answer two of the five — moving them from 6.94% to 6.09% saved $294 a month.
Every credit application sits on your file for five years — including the ones you withdrew. What lenders can see, why shopping around by applying works against you, and the order to do things in.
An eligible electric car on a novated lease is still fully FBT-exempt. What changes from 1 April 2027 as announced, what the residual hides, and what a five-year lease does to your borrowing power.
Equity is the gap between what your home is worth and what you still owe. Here's what it means, how to access it, what you can use it for, and whether it's risky.
What refinancing actually costs, when it's worth it, and whether your 30-year loan term restarts. Plus compare your rate free and see where you stand.
Rebates now cover roughly a third of a battery's upfront cost. What matters after that is how you fund the rest, and over how long. Here's how the options compare.
Debtor finance turns unpaid customer invoices into working capital now instead of in 60 days. Here's how it works, what it costs you, and when it fits.
Australian mortgage brokers settled a record 81% of new home loans this quarter. With APRA's 3-point serviceability buffer and dozens of lenders each pricing risk differently, here's why getting the right one has become a specialist job, at no direct cost to the borrower.
Sydney and Melbourne values have eased for three months straight, but RBA data shows negative equity remains rare. For buyers planning to hold long-term, a softer market can mean less competition and a lower entry price, not the disaster the headlines suggest.
First home buyers may purchase with as little as a 5% deposit under the government's 5% Deposit Scheme, without paying LMI. Here's how the numbers work.
Most lenders want lodged tax returns and notices of assessment, not just bank statements. What to have ready — and the alternatives if your financials aren't current.
You can still get the full FBT exemption on an eligible electric car until 31 March 2027, after which only EVs costing $75,000 or less keep the 100% benefit — so if the numbers stack up, financing before the deadline can lock in the saving.
After three straight rate rises in 2026 the RBA is holding at 4.35%, and another hike is a live risk — here's what higher-for-longer rates mean for your repayments and when refinancing or restructuring actually helps.
Yes — Victoria has extended its temporary off-the-plan stamp duty concession to 21 April 2027, and it is open to all buyers including investors, companies and trusts on strata apartments and townhouses of any value. It cuts duty by excluding post-contract construction costs from the dutiable value.
Yes, but less than before: the one-off 20% cut to student debt and APRA's June 2025 rule change can improve your borrowing power, though banks still count your HELP repayments in serviceability unless you're near paying it off. Here's what actually changed and how to position your application.
Rolling a car loan, credit card or personal loan into your mortgage can cut monthly repayments because home loan rates (~6%) sit far below credit card rates near 21%. But it converts unsecured debt into debt secured against your home and, spread over 30 years, can cost more in total interest.
Your borrowing power in 2026 is shaped by APRA's 3-percentage-point serviceability buffer and where rates sit now — but a family guarantee can lift it if you understand the risks. Here's how much you can realistically borrow and when a guarantor makes sense.
From 1 July 2027, negative gearing ends for established investment homes bought after 12 May 2026 — but new builds are exempt. Here's what it means for investors.
Need a new vehicle, machine or fit-out for your business? Asset finance and a general business loan solve the same problem in very different ways — and the right choice affects your cash flow and your tax.
A large number of fixed-rate loans roll off in 2026. If yours is one of them, the months before expiry are when you have the most leverage — and the most to lose by doing nothing.
If you've owned your home for a few years, you may be sitting on enough usable equity to fund the deposit on an investment property — without touching your savings. Here's how it works in 2026.
The federal First Home Guarantee lets eligible buyers purchase with a 5% deposit and avoid LMI entirely. Here's how it actually works in 2026 — and where the catches are.
Fixed rates have moved meaningfully in 2026. Here's how we're thinking about the fix vs variable decision for clients right now — and the structural questions that matter more than the rate.
Self-employed borrowers face tougher lender scrutiny than PAYG. Here are five practical tips that have made the biggest difference for our self-employed clients getting approved at favourable rates.
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