Posted in Property Investment
EOFY financial health check: Is your home loan still the right fit?
Posted by Chris Collard
on 25 June 2025
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As the end of financial year (EOFY) approaches, it’s the perfect time to take a proactive look at your financial wellbeing—starting with your home loan. Whether you’re an owner-occupier or a property investor, reviewing your mortgage regularly ensures it’s still aligned with your goals and lifestyle.At FinancePath, we believe your loan should work for you—not the other way around. With interest rates shifting, new loan products entering the market, and life circumstances e...
Posted in:Property InvestmentHome loansEOFYhome loan health check |
Negative gearing explained.
Posted by Chris Collard
on 29 April 2025
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Negative gearing is a hot topic in Australia right now, with many differing opinions on how it should be handled. Often in the spotlight during election periods, this investment strategy has been a point of contention due to its implications for housing affordability and the broader economy. Let's break down what it means, how it impacts property investors, and why it's such an important topic in today’s market.What is negative gearing?Negative gearing happens when the costs of owning an...
Posted in:Property InvestmentNegative Gearingproperty investorscapital gains taxCGT |
Is now a good time to buy property?
Posted by Chris Collard
on 25 March 2025
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With the Reserve Bank of Australia (RBA) cutting the cash rate, interest rates have come down. So, is now a good time to buy property? The answer depends on your unique circumstances and goals, but it’s always best to get a leg up on the property ladder sooner rather than later. Here are some compelling reasons to consider jumping right in.Competitive interest ratesIn February, the central bank lowered the cash rate from a 13-year high of 4.35% to 4.10%. Many lenders, including Australia’...
Posted in:Property InvestmentHome loansFirst Home Buyersproperty investorsproperty purchaseRBAcash rate |
Top 5 home buying trends to watch in 2025.
Posted by Chris Collard
on 28 January 2025
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Thinking about buying a home in 2025? The property market is evolving, bringing both opportunities and challenges for buyers. Whether you’re saving for your first home, upgrading, or investing, staying informed about the latest trends can help you make confident and informed decisions.Here are five key trends to watch in 2025:1. Interest rates: A cut may be comingAfter holding steady throughout 2024, interest rates are poised for potential cuts, with some economists predicting reductions as...
Posted in:Property InvestmentHome loansFirst Home Buyershome buying |
2024 in review and what to expect in 2025.
Posted by Mark Attard
on 27 December 2024
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Can you believe the year is almost over? As 2024 wraps up, let's look back at the property market highlights and what we can anticipate for 2025.Reflecting on 2024Interest rates remained steadyThe Reserve Bank of Australia (RBA) kept the cash rate steady at 4.35% throughout 2024. Although inflation has significantly decreased since its 2022 peak, underlying inflation remains a concern at 3.5%, still above the RBA’s target midpoint of 2.5%. The RBA doesn’t expect inflation to sustainably hi...
Posted in:Property InvestmentInterest ratesFirst Home Buyersproperty purchaseHomeownership |