<?xml version="1.0" encoding="UTF-8"?><rss xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title>Money Management Advice</title><link>https://www.financepath.com.au/</link><description><![CDATA[FinancePath - Home Loan and Investment Experts Melbourne RSS]]></description><pubDate>Wed, 25 Feb 2026 00:00:00 +0000</pubDate><managingEditor>customerservice@financepath.com.au (FinancePath - Home Loan and Investment Experts Melbourne)</managingEditor><generator>FinancePath - Home Loan and Investment Experts Melbourne</generator><language>en</language><docs>http://blogs.law.harvard.edu/tech/rss</docs><atom:link rel="self" type="application/rss+xml" href="https://www.financepath.com.au/"/><item><title><![CDATA[Five key factors property investors are focusing on in 2026.]]></title><link>https://www.financepath.com.au/blog/five-key-factors-property-investors-are-focusing-on-in-2026-</link><guid>https://www.financepath.com.au/blog/post/view/post/127004</guid><description><![CDATA[<p>Property investing is shifting fast in 2026 and the strategies that worked even a year ago may no longer stack up. From affordability pressures to changing lending rules and new market hotspots, smart investors are reassessing their game plan.</p>
]]></description><pubDate>Wed, 25 Feb 2026 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/697182e8d053c.png" type="image/png" length="168607"/></item><item><title><![CDATA[Is your mortgage still competitive and working in your favour?]]></title><link>https://www.financepath.com.au/blog/is-your-mortgage-still-competitive-and-working-in-your-favour-</link><guid>https://www.financepath.com.au/blog/post/view/post/127003</guid><description><![CDATA[<p>Your home loan shouldn&#8217;t be a set&#8209;and&#8209;forget commitment. As interest rates and your financial goals change, a home loan health check can reveal opportunities to reduce repayments, access better features, improve your equity position a]]></description><pubDate>Tue, 17 Feb 2026 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/697182c991d52.png" type="image/png" length="308578"/></item><item><title><![CDATA[Does Buy Now, Pay Later (BNPL) impact your home loan approval?]]></title><link>https://www.financepath.com.au/blog/does-buy-now--pay-later-impact-your-home-loan-approval-</link><guid>https://www.financepath.com.au/blog/post/view/post/127002</guid><description><![CDATA[<p>Buy Now, Pay Later services like Afterpay and Zip are convenient, but new regulations mean they can now affect your credit report and borrowing power. If you&#8217;re planning to buy a home, understanding how BNPL use impacts your loan application is e]]></description><pubDate>Wed, 11 Feb 2026 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/697182a13258b.png" type="image/png" length="221294"/></item><item><title><![CDATA[How to prepare your budget for buying your first home.]]></title><link>https://www.financepath.com.au/blog/how-to-prepare-your-budget-for-buying-your-first-home-</link><guid>https://www.financepath.com.au/blog/post/view/post/127005</guid><description><![CDATA[<p>Struggling to save a deposit? With the right budgeting habits and simple money moves, you can build momentum and get closer to buying your first home in 2026.</p>
]]></description><pubDate>Tue, 03 Feb 2026 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/697182fb6168d.png" type="image/png" length="273168"/></item><item><title><![CDATA[Can young Australians still buy a home? Tips to overcome affordability challenges.]]></title><link>https://www.financepath.com.au/blog/can-young-australians-still-buy-a-home--tips-to-overcome-affordability-challenges-</link><guid>https://www.financepath.com.au/blog/post/view/post/127001</guid><description><![CDATA[<p>Struggling to buy a home? Many young Australians feel the squeeze as property prices rise faster than wages. But with government schemes, smart saving strategies and family support options, home ownership is still within reach. Here&#8217;s how to get<]]></description><pubDate>Fri, 30 Jan 2026 02:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/6971828d78733.png" type="image/png" length="266786"/></item><item><title><![CDATA[How your credit report impacts your home loan.]]></title><link>https://www.financepath.com.au/blog/how-your-credit-report-impacts-your-home-loan-</link><guid>https://www.financepath.com.au/blog/post/view/post/119000</guid><description><![CDATA[<p style="text-align:justify;">Want to improve your chances of getting a home loan? Learn how your credit report works, what lenders look for, and how to boost your score.</p>
]]></description><pubDate>Mon, 12 Jan 2026 22:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/6498bc7574333.png" type="image/png" length="386217"/></item><item><title><![CDATA[4 smart steps to help you avoid overpaying for your first home.]]></title><link>https://www.financepath.com.au/blog/4-smart-steps-to-help-you-avoid-overpaying-for-your-first-home-</link><guid>https://www.financepath.com.au/blog/post/view/post/126612</guid><description><![CDATA[<p>Buying your first home is exciting&#8212;but it can also be overwhelming. Before you start house-hunting, make sure you know your repayment limits. Here are 4 smart steps to protect your financial future.</p>
]]></description><pubDate>Fri, 09 Jan 2026 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/691cfa6c26ac6.png" type="image/png" length="258247"/></item><item><title><![CDATA[Co-buying a home: Is a joint mortgage right for you?]]></title><link>https://www.financepath.com.au/blog/co-buying-a-home--is-a-joint-mortgage-right-for-you-</link><guid>https://www.financepath.com.au/blog/post/view/post/126483</guid><description><![CDATA[<p>With property prices soaring, more first-home buyers are teaming up to enter the market. Discover the pros, cons, and expert tips for co-buying, plus a real success story that turned shared ownership into long-term wealth.</p>
]]></description><pubDate>Thu, 18 Dec 2025 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/690ae50b260fb.png" type="image/png" length="264710"/></item><item><title><![CDATA[How HECS-HELP debt affects your borrowing power (and what’s changing).]]></title><link>https://www.financepath.com.au/blog/how-can-your-hecs-help-debt-affect-your-borrowing-capacity-</link><guid>https://www.financepath.com.au/blog/post/view/post/118666</guid><description><![CDATA[<p>Got a HECS-HELP debt? Find out how recent changes could improve your borrowing power and make buying your first home easier than expected.</p>
]]></description><pubDate>Mon, 15 Dec 2025 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/646198ffadc98.png" type="image/png" length="273207"/></item><item><title><![CDATA[How to increase your home’s value without overspending.]]></title><link>https://www.financepath.com.au/blog/simple-upgrades-that-add-real-value-to-your-property-</link><guid>https://www.financepath.com.au/blog/post/view/post/121972</guid><description><![CDATA[<p>Selling your home soon? These 5 smart upgrades can help you increase your property value and attract more buyers&#8212;without a full renovation.</p>
]]></description><pubDate>Mon, 08 Dec 2025 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/6656c2cb1f0e0.png" type="image/png" length="369718"/></item><item><title><![CDATA[Case study: How co-buying helped Chris begin his property investment journey.]]></title><link>https://www.financepath.com.au/blog/co-buying-a-home--is-a-joint-mortgage-right-for-you--126487</link><guid>https://www.financepath.com.au/blog/post/view/post/126487</guid><description><![CDATA[<p>With property prices soaring, more first-home buyers are teaming up to enter the market. Discover the pros, cons, and expert tips for co-buying, plus a real success story that turned shared ownership into long-term wealth.</p>
]]></description><pubDate>Fri, 05 Dec 2025 02:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/690d4cb472d4d.png" type="image/png" length="306160"/></item><item><title><![CDATA[Feeling overcharged on your mortgage? Here’s how to get a better rate.]]></title><link>https://www.financepath.com.au/blog/feeling-overcharged-on-your-mortgage--here-s-how-to-get-a-better-rate-</link><guid>https://www.financepath.com.au/blog/post/view/post/126486</guid><description><![CDATA[<p>Nearly half of Aussie borrowers are ready to switch lenders for a better deal. Learn why refinancing matters, how rate creep costs thousands, and simple steps to save.</p>
]]></description><pubDate>Mon, 01 Dec 2025 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/690d4c9a580e3.png" type="image/png" length="265700"/></item><item><title><![CDATA[A guide to owning a holiday home in Australia.]]></title><link>https://www.financepath.com.au/blog/a-guide-to-owning-a-holiday-home-in-australia-</link><guid>https://www.financepath.com.au/blog/post/view/post/126607</guid><description><![CDATA[<p>Dreaming of a beach shack or mountain retreat? Our guide to investing in a holiday home covers everything you need to know &#8211; from rental income tips to tax implications and local regulations.</p>
]]></description><pubDate>Tue, 25 Nov 2025 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/691cfa42a17ba.png" type="image/png" length="327584"/></item><item><title><![CDATA[Smart ways to save money this Christmas.]]></title><link>https://www.financepath.com.au/blog/smart-ways-to-save-money-this-christmas-</link><guid>https://www.financepath.com.au/blog/post/view/post/126608</guid><description><![CDATA[<p>Christmas doesn&#8217;t have to break the bank! Check out our practical tips for a budget-friendly festive season &#8211; from gift ideas to saving on your holiday feast.</p>
]]></description><pubDate>Fri, 21 Nov 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/691cfa05704b2.png" type="image/png" length="246310"/></item><item><title><![CDATA[How to get home loan pre-approval without the stress.]]></title><link>https://www.financepath.com.au/blog/three-steps-to-home-loan-pre-approval</link><guid>https://www.financepath.com.au/blog/post/view/post/119255</guid><description><![CDATA[<p>Ready to buy your first home? Discover the 3 key steps to secure home loan pre-approval and shop with confidence. It&#8217;s easier than you think.</p>
]]></description><pubDate>Thu, 13 Nov 2025 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/64c82ecf5b3e0.png" type="image/png" length="374666"/></item><item><title><![CDATA[Interstate property investment made easy: A beginnner's guide.]]></title><link>https://www.financepath.com.au/blog/how-to-invest-in-property-interstate--a-simple-guide-</link><guid>https://www.financepath.com.au/blog/post/view/post/125822</guid><description><![CDATA[<p>Buying an investment property in another state or territory can unlock exciting opportunities, think better value, stronger rental returns, and a more diverse portfolio.</p>
]]></description><pubDate>Mon, 10 Nov 2025 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/68a6b21bebbd4.png" type="image/png" length="509005"/></item><item><title><![CDATA[Buying your first home? Don’t fall for these 4 common traps.]]></title><link>https://www.financepath.com.au/blog/buying-your-first-home--don-t-fall-for-these-4-common-traps-</link><guid>https://www.financepath.com.au/blog/post/view/post/126264</guid><description><![CDATA[<p>The 5% Deposit Scheme is helping more Aussies buy their first home&#8212;but don&#8217;t let common mistakes derail your journey. Learn what to watch out for and how to buy with confidence.</p>
]]></description><pubDate>Mon, 03 Nov 2025 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/68f8580330367.png" type="image/png" length="239350"/></item><item><title><![CDATA[How to identify high-growth suburbs for smart property investment.]]></title><link>https://www.financepath.com.au/blog/how-to-identify-high-growth-suburbs-for-smart-property-investment</link><guid>https://www.financepath.com.au/blog/post/view/post/126262</guid><description><![CDATA[<p>Thinking of investing in property? Learn how to identify suburbs with strong growth potential using 4 simple indicators. From demand trends to infrastructure upgrades, this guide helps you invest smarter.</p>
]]></description><pubDate>Mon, 27 Oct 2025 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/68f858164b6d2.png" type="image/png" length="514581"/></item><item><title><![CDATA[Refinancing trends in Australia and how they affect your mortgage.]]></title><link>https://www.financepath.com.au/blog/refinancing-trends-in-australia-and-how-they-affect-your-mortgage</link><guid>https://www.financepath.com.au/blog/post/view/post/126263</guid><description><![CDATA[<p>With interest rates dropping, thousands of Australians are escaping mortgage prison and refinancing for better deals. Learn what&#8217;s driving the surge and how you could benefit from reviewing your home loan.</p>
]]></description><pubDate>Fri, 24 Oct 2025 02:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/68f8684e10411.png" type="image/png" length="192254"/></item><item><title><![CDATA[Hidden mortgage trap: Why 57% of Aussies could be paying thousands in extra interest.]]></title><link>https://www.financepath.com.au/blog/hidden-mortgage-trap--why-57--of-aussies-could-be-paying-thousands-in-extra-interest-</link><guid>https://www.financepath.com.au/blog/post/view/post/126243</guid><description><![CDATA[<p>Are you losing thousands on your mortgage without knowing it? 57% of Aussies never check if their offset account is linked. Learn how to avoid this hidden trap and how FinancePath ensures your loan works for you.</p>
]]></description><pubDate>Sun, 19 Oct 2025 22:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/68f02c9739837.png" type="image/png" length="266991"/></item><item><title><![CDATA[Home loan advice for migrants entering the Australian property market.]]></title><link>https://www.financepath.com.au/blog/home-loan-advice-for-migrants-in-the-australian-property-market-</link><guid>https://www.financepath.com.au/blog/post/view/post/126229</guid><description><![CDATA[<p>Migrants face unique challenges when buying property in Australia. This guide breaks down visa-related lending rules, financial tips, and government support to help you secure a home loan and build your future.</p>
]]></description><pubDate>Thu, 16 Oct 2025 22:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/68eedb3a0a892.png" type="image/png" length="418498"/></item><item><title><![CDATA[Why homeownership interest is rising among the Ukrainian community in Melbourne.]]></title><link>https://www.financepath.com.au/blog/why-homeownership-interest-is-rising-among-the-ukrainian-community-in-melbourne-</link><guid>https://www.financepath.com.au/blog/post/view/post/126065</guid><description><![CDATA[<p>Discover why homeownership interest is rising among Melbourne&#8217;s Ukrainian community. From improved visa pathways to emotional stability, FinancePath is helping families turn settlement into ownership.</p>
]]></description><pubDate>Tue, 14 Oct 2025 22:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/68d46ef47b370.png" type="image/png" length="364849"/></item><item><title><![CDATA[Expert insights: Chris Collard on using SMSF to buy property.]]></title><link>https://www.financepath.com.au/blog/q-a-with-chris-collard--should-you-use-an-smsf-to-buy-property-</link><guid>https://www.financepath.com.au/blog/post/view/post/125834</guid><description><![CDATA[With an SMSF, you control how your super is invested often in property, helping you borrow more, pay less tax, and grow your retirement savings.]]></description><pubDate>Fri, 10 Oct 2025 02:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/68a6b51d53ee0.png" type="image/png" length="269285"/></item><item><title><![CDATA[Using your SMSF to invest in property: What you need to know.]]></title><link>https://www.financepath.com.au/blog/how-to-use-an-smsf-to-boost-your-borrowing-power-and-buy-property-</link><guid>https://www.financepath.com.au/blog/post/view/post/125833</guid><description><![CDATA[With an SMSF, you can invest in property using your super. Boosting your borrowing power without relying only on personal savings.]]></description><pubDate>Tue, 07 Oct 2025 02:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/68a7a1e12652b.png" type="image/png" length="266574"/></item><item><title><![CDATA[Questions your Mortgage Adviser should ask before you borrow.]]></title><link>https://www.financepath.com.au/blog/top-5-mortgage-questions-to-ask-before-you-borrow-</link><guid>https://www.financepath.com.au/blog/post/view/post/125362</guid><description><![CDATA[<p>When it comes to choosing the right mortgage, it&#8217;s not just about interest rates and loan terms. It&#8217;s about aligning your financing with your life. That&#8217;s why the best mortgage advisers don&#8217;t start with numbers&#8212;they start<]]></description><pubDate>Thu, 02 Oct 2025 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/685b39382aebe.png" type="image/png" length="369667"/></item><item><title><![CDATA[How Gen Z is buying property differently and smarter.]]></title><link>https://www.financepath.com.au/blog/how-gen-z-is-rethinking-property-investment-and-what-you-can-learn-from-them-</link><guid>https://www.financepath.com.au/blog/post/view/post/125832</guid><description><![CDATA[<p style="text-align:justify;">For Gen Z, the first home is often a stepping stone, not a dream home. It&#8217;s about building equity now to move up later.</p>
]]></description><pubDate>Tue, 30 Sep 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/68a6b4e6ae4da.png" type="image/png" length="376385"/></item><item><title><![CDATA[Is it time to refinance? How refinancing could save you thousands!]]></title><link>https://www.financepath.com.au/blog/is-it-time-to-refinance--how-refinancing-could-save-you-thousands-</link><guid>https://www.financepath.com.au/blog/post/view/post/126057</guid><description><![CDATA[<p>Refinancing in 2025 is on the rise as Australians seek lower interest rates, better loan features, and access to home equity. Learn how it works and whether it&#8217;s right for you.</p>
]]></description><pubDate>Fri, 26 Sep 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/68c8db066ebf0.png" type="image/png" length="272340"/></item><item><title><![CDATA[New vs established homes: Which is better for Melbourne buyers?]]></title><link>https://www.financepath.com.au/blog/new-vs-established-homes--which-is-better-for-melbourne-buyers-</link><guid>https://www.financepath.com.au/blog/post/view/post/126056</guid><description><![CDATA[<p>Recent research from the Housing Industry Association (HIA) shows that interest in new homes is on the rise, with sales of new detached homes jumping nearly 19% in the three months to June 2025.</p>
]]></description><pubDate>Fri, 19 Sep 2025 01:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/68c8ca5c3b0a8.png" type="image/png" length="420363"/></item><item><title><![CDATA[What is a credit report and why it matters for your mortgage.]]></title><link>https://www.financepath.com.au/blog/what-is-a-credit-report-and-why-it-matters-for-your-mortgage-</link><guid>https://www.financepath.com.au/blog/post/view/post/125540</guid><description><![CDATA[<p>If you're new to buying property, understanding your&#160;credit report&#160;is a crucial step in preparing for your home loan application. Think of it as your financial report card&#8212;it reflects how you manage debt and financial commitments, and l]]></description><pubDate>Mon, 15 Sep 2025 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/6876efd977163.png" type="image/png" length="349355"/></item><item><title><![CDATA[Top 5 mistakes first-time home buyers make. How to dodge them.]]></title><link>https://www.financepath.com.au/blog/5-common-first-time-buyer-mistakes--how-to-avoid-them-</link><guid>https://www.financepath.com.au/blog/post/view/post/125831</guid><description><![CDATA[<p style="text-align:justify;">Buying your first home is a big move, but with the right strategy and expert advice, you can make a smart, confident choice that sets you up for long-term success.</p>
]]></description><pubDate>Fri, 12 Sep 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/68a7a1f5f30a4.png" type="image/png" length="299258"/></item><item><title><![CDATA[How interest rate cuts can boost your borrowing power and save you thousands!]]></title><link>https://www.financepath.com.au/blog/how-interest-rate-cuts-can-boost-your-borrowing-power-and-save-you-thousands-</link><guid>https://www.financepath.com.au/blog/post/view/post/125989</guid><description><![CDATA[Over the past six months, the RBA has reduced the cash rate three times by 0.25%&#8212;a total drop of 0.75%. These cuts have a direct impact on your borrowing capacity and monthly repayments.]]></description><pubDate>Wed, 10 Sep 2025 04:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/68ba4587a3420.png" type="image/png" length="342078"/></item><item><title><![CDATA[First home buyer scheme changes make home ownership more achievable.]]></title><link>https://www.financepath.com.au/blog/first-home-buyer-scheme-changes-make-home-ownership-more-achievable-</link><guid>https://www.financepath.com.au/blog/post/view/post/125990</guid><description><![CDATA[First-time buyers who were struggling to save a 20% deposit can now enter the market with just 5%, thanks to the updated scheme.]]></description><pubDate>Wed, 10 Sep 2025 04:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/68ba46e191c5b.png" type="image/png" length="270070"/></item><item><title><![CDATA[2025 Refinance trends: Is it time to rethink your home loan?]]></title><link>https://www.financepath.com.au/blog/is-now-the-time-to-refinance-your-home-loan-</link><guid>https://www.financepath.com.au/blog/post/view/post/125823</guid><description><![CDATA[<p>Is now a good time to refinance?&#160;It depends on your personal situation and goals. But there are some strong signs that now could be a great time to take a closer look at your home loan.</p>
]]></description><pubDate>Tue, 09 Sep 2025 00:10:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/68c11f0f14f4c.png" type="image/png" length="352599"/></item><item><title><![CDATA[Breaking: Major change to 5% deposit scheme could save you thousands.]]></title><link>https://www.financepath.com.au/blog/new-5--deposit-scheme--how-first-home-buyers-can-save-thousands-and-buy-sooner-</link><guid>https://www.financepath.com.au/blog/post/view/post/125883</guid><description><![CDATA[Starting 1 October, the expanded&#160;Home Guarantee Scheme will allow first home buyers to purchase a home with just a 5% deposit&#160;and no lenders mortgage insurance (LMI).]]></description><pubDate>Tue, 02 Sep 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/68ae4047174f5.png" type="image/png" length="362763"/></item><item><title><![CDATA[Redraw vs Offset: What first-home buyers should know.]]></title><link>https://www.financepath.com.au/blog/redraw-vs-offset--what-first-home-buyers-should-know-</link><guid>https://www.financepath.com.au/blog/post/view/post/125821</guid><description><![CDATA[<p>If you&#8217;re just starting to explore your home loan options, it&#8217;s okay not to have all the answers. The most important thing is choosing a loan that fits how you want to manage your money.</p>
]]></description><pubDate>Tue, 26 Aug 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/68a6b1edeb29e.png" type="image/png" length="262874"/></item><item><title><![CDATA[Why more Australians are turning to mortgage advisers for home loan advice.]]></title><link>https://www.financepath.com.au/blog/why-more-australians-are-turning-to-mortgage-advisers-for-home-loan-advice-</link><guid>https://www.financepath.com.au/blog/post/view/post/125353</guid><description><![CDATA[<p>It&#8217;s no surprise that more Australians are choosing to work with a mortgage broker to simplify the process and make smarter financial decisions. In fact, mortgage brokers now account for a record 76% of all home loans written&#8212;a clear sign t]]></description><pubDate>Tue, 19 Aug 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/685a1812df971.png" type="image/png" length="292827"/></item><item><title><![CDATA[Why equity is a powerful tool for property investors.]]></title><link>https://www.financepath.com.au/blog/why-equity-is-a-powerful-tool-for-property-investors-</link><guid>https://www.financepath.com.au/blog/post/view/post/125527</guid><description><![CDATA[<p>If your home has increased in value or you&#8217;ve made solid progress paying down your mortgage, you could be sitting on a powerful tool to build wealth&#8212;your home equity.</p>
]]></description><pubDate>Tue, 12 Aug 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/6876efc335195.png" type="image/png" length="325217"/></item><item><title><![CDATA[Why the RBA held the cash rate steady.]]></title><link>https://www.financepath.com.au/blog/why-the-rba-held-the-cash-rate-steady-</link><guid>https://www.financepath.com.au/blog/post/view/post/125714</guid><description><![CDATA[<p style="text-align:justify;">In July, many experts expected the Reserve Bank of Australia (RBA) to cut interest rates. Inflation seemed under control, and cost-of-living pressures continue to weigh heavily on Aussie households. But instead, the RBA chos]]></description><pubDate>Thu, 07 Aug 2025 04:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/68913e0777c33.png" type="image/png" length="304261"/></item><item><title><![CDATA[Why winter heating costs are rising.]]></title><link>https://www.financepath.com.au/blog/why-winter-heating-costs-are-rising-</link><guid>https://www.financepath.com.au/blog/post/view/post/125541</guid><description><![CDATA[<p>Choose your heating wisely. Heat only the rooms you&#8217;re using, close doors to unused spaces, and aim for a comfortable temperature between 18&#8211;20&#176;C.&#160;Use programmable settings to warm your home when needed and turn off heating when y]]></description><pubDate>Mon, 04 Aug 2025 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/6876ff8c82f08.png" type="image/png" length="302059"/></item><item><title><![CDATA[Can gambling affect your home loan application?]]></title><link>https://www.financepath.com.au/blog/can-gambling-affect-your-home-loan-application-</link><guid>https://www.financepath.com.au/blog/post/view/post/125352</guid><description><![CDATA[<p>As part of the home loan application process, lenders conduct a thorough affordability assessment. This includes reviewing your income, regular expenses, credit score, and bank statements. If there&#8217;s a pattern of gambling transactions&#8212;espec]]></description><pubDate>Tue, 29 Jul 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/685a17fe98f57.png" type="image/png" length="254824"/></item><item><title><![CDATA[Top 5 frequently asked questions by first home buyers and investors in 2025.]]></title><link>https://www.financepath.com.au/blog/top-5-frequently-asked-questions-by-first-home-buyers-and-investors-in-2025-</link><guid>https://www.financepath.com.au/blog/post/view/post/125215</guid><description><![CDATA[Whether you're a first home buyer eager to step onto the property ladder or an investor looking to expand your portfolio, we've got the answers to the most pressing questions you might have.]]></description><pubDate>Tue, 22 Jul 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/683e84010b8d3.png" type="image/png" length="186219"/></item><item><title><![CDATA[Achieve your dream home with the Help to Buy Scheme.]]></title><link>https://www.financepath.com.au/blog/achieve-your-dream-home-with-the-help-to-buy-scheme-</link><guid>https://www.financepath.com.au/blog/post/view/post/125213</guid><description><![CDATA[<p style="text-align:justify;">The Help to Buy scheme is a game-changer for first home buyers in Australia. With lower deposit requirements, reduced mortgage payments, and no LMI, it&#8217;s never been easier to step onto the property ladder.&#160;</p>
]]></description><pubDate>Tue, 15 Jul 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/683e83e653562.png" type="image/png" length="316788"/></item><item><title><![CDATA[Is it really hard to buy a home? The truth about home ownership.]]></title><link>https://www.financepath.com.au/blog/is-it-really-hard-to-buy-a-home--the-truth-about-home-ownership-</link><guid>https://www.financepath.com.au/blog/post/view/post/125212</guid><description><![CDATA[With the right strategies, government support, and expert guidance, you can overcome any obstacles and achieve your dream of home ownership.]]></description><pubDate>Tue, 08 Jul 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/683e83ccebb8b.png" type="image/png" length="392707"/></item><item><title><![CDATA[Exploring home buying options: A guide for Australian homeowners.]]></title><link>https://www.financepath.com.au/blog/exploring-home-buying-options--a-guide-for-australian-homeowners-</link><guid>https://www.financepath.com.au/blog/post/view/post/125210</guid><description><![CDATA[Buying a home is a significant milestone, and in recent years this goal has become harder to achieve. Now more than ever there are options to support you and understanding these options can make the process smoother and more rewarding.]]></description><pubDate>Tue, 01 Jul 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/683e83a5596c6.png" type="image/png" length="397471"/></item><item><title><![CDATA[EOFY financial health check: Is your home loan still the right fit?]]></title><link>https://www.financepath.com.au/blog/eofy-financial-health-check--is-your-home-loan-still-the-right-fit-</link><guid>https://www.financepath.com.au/blog/post/view/post/125351</guid><description><![CDATA[<p>As the end of financial year (EOFY) approaches, it&#8217;s the perfect time to take a proactive look at your financial wellbeing&#8212;starting with your home loan. Whether you&#8217;re an owner-occupier or a property investor, reviewing your mortgage<]]></description><pubDate>Wed, 25 Jun 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/685a16cf242d0.png" type="image/png" length="229989"/></item><item><title><![CDATA[Annual loan review: Save money and stress less!]]></title><link>https://www.financepath.com.au/blog/annual-loan-review</link><guid>https://www.financepath.com.au/blog/post/view/post/125209</guid><description><![CDATA[As a homeowner, your mortgage is likely one of your largest financial commitments. While it&#8217;s easy to set and forget your loan, conducting an annual review can offer significant benefits.]]></description><pubDate>Tue, 24 Jun 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/683e8383d717a.png" type="image/png" length="320217"/></item><item><title><![CDATA[Are you retirement ready? Smart financial planning for your next chapter.]]></title><link>https://www.financepath.com.au/blog/are-you-retirement-ready--smart-financial-planning-for-your-next-chapter-</link><guid>https://www.financepath.com.au/blog/post/view/post/125145</guid><description><![CDATA[<p>Retirement is more than just a milestone&#8212;it&#8217;s a new beginning. Whether you envision relaxing on the golf course, traveling in a motorhome, or spending more time with family, achieving your ideal retirement lifestyle starts with strategic fi]]></description><pubDate>Wed, 18 Jun 2025 01:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/683925400581e.png" type="image/png" length="279399"/></item><item><title><![CDATA[What Labor’s election win means for first home buyers.]]></title><link>https://www.financepath.com.au/blog/what-labor-s-election-win-means-for-first-home-buyers-</link><guid>https://www.financepath.com.au/blog/post/view/post/125143</guid><description><![CDATA[The recent federal election saw the Labor Party secure a decisive victory, ushering in a wave of proposed housing reforms that could significantly benefit first home buyers.]]></description><pubDate>Tue, 10 Jun 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/6837d0678d376.png" type="image/png" length="457077"/></item><item><title><![CDATA[EOFY tax tips for property investors: Maximise your deductions before 30 June.]]></title><link>https://www.financepath.com.au/blog/eofy-tax-tips-for-property-investors--maximise-your-deductions-before-30-june-</link><guid>https://www.financepath.com.au/blog/post/view/post/125146</guid><description><![CDATA[<p>Whether you own one investment property or several, smart tax planning can help you reduce your taxable income and set yourself up for a stronger financial year ahead.</p>
]]></description><pubDate>Wed, 04 Jun 2025 02:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/6837d41222236.png" type="image/png" length="339595"/></item><item><title><![CDATA[What is a construction loan?]]></title><link>https://www.financepath.com.au/blog/how-construction-loan-works-</link><guid>https://www.financepath.com.au/blog/post/view/post/124726</guid><description><![CDATA[<p>When you're planning to build your own home, understanding the difference between a construction loan and a standard home loan is crucial. It's a question we get asked frequently, especially with the increasing number of knockdown and rebuild projects ]]></description><pubDate>Tue, 06 May 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/67fdc20c49def.png" type="image/png" length="371937"/></item><item><title><![CDATA[Negative gearing explained.]]></title><link>https://www.financepath.com.au/blog/negative-gearing-explained-</link><guid>https://www.financepath.com.au/blog/post/view/post/124725</guid><description><![CDATA[<p style="text-align:justify;">Negative gearing is a popular investment strategy in Australia.</p><p style="text-align:justify;">Let's delve into what it means, the implications of capital gains tax (CGT), and why these terms are crucial for property in]]></description><pubDate>Tue, 29 Apr 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/67fdc04b5d16f.png" type="image/png" length="240262"/></item><item><title><![CDATA[Federal budget 2025: Key measures that could affect your home buying plans.]]></title><link>https://www.financepath.com.au/blog/what-the-federal-budget-means-for-homebuyers-</link><guid>https://www.financepath.com.au/blog/post/view/post/124723</guid><description><![CDATA[<p style="text-align:justify;">The 2025&#8209;26 Federal Budget introduced a suite of housing and cost&#8209;of&#8209;living measures designed to shape Australia&#8217;s property landscape. Below is a concise overview of the changes and the outcomes they ]]></description><pubDate>Mon, 21 Apr 2025 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/67fdb5a8d7717.png" type="image/png" length="311707"/></item><item><title><![CDATA[How a redraw facility can benefit you.]]></title><link>https://www.financepath.com.au/blog/how-a-redraw-facility-can-benefit-you-</link><guid>https://www.financepath.com.au/blog/post/view/post/124336</guid><description><![CDATA[A redraw facility is one way to reduce interest costs while still having access to extra funds when needed.]]></description><pubDate>Tue, 15 Apr 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/67d8cafdc968c.png" type="image/png" length="309480"/></item><item><title><![CDATA[Avoid costly renovation mistakes.]]></title><link>https://www.financepath.com.au/blog/avoid-costly-renovation-mistakes-</link><guid>https://www.financepath.com.au/blog/post/view/post/124338</guid><description><![CDATA[<p>Renovating your home can boost its value, improve your living space, and increase rental returns. However, without proper planning, it can become a financial burden. Learn how to avoid common renovation mistakes and ensure your project is a success.</p]]></description><pubDate>Mon, 07 Apr 2025 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/67d8cae0dbb80.png" type="image/png" length="321882"/></item><item><title><![CDATA[3 strategies to pay off your home loan faster and save thousands!]]></title><link>https://www.financepath.com.au/blog/3-strategies-to-pay-off-your-home-loan-faster-and-save-thousands--124335</link><guid>https://www.financepath.com.au/blog/post/view/post/124335</guid><description><![CDATA[Paying off your home loan sooner can save you a significant amount of money in interest and help you achieve financial freedom faster. But the key is to control the controllables.]]></description><pubDate>Thu, 27 Mar 2025 22:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/67d8cac8a2009.png" type="image/png" length="309375"/></item><item><title><![CDATA[Is now a good time to buy property?]]></title><link>https://www.financepath.com.au/blog/is-now-a-good-time-to-buy-property-</link><guid>https://www.financepath.com.au/blog/post/view/post/124337</guid><description><![CDATA[<p>Deciding when to buy a home or investment property comes down to your personal financial circumstances and goals. However, there are many good reasons to consider purchasing right now.</p>
]]></description><pubDate>Mon, 24 Mar 2025 22:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/67d8cab780c95.png" type="image/png" length="249720"/></item><item><title><![CDATA[What are strata fees?]]></title><link>https://www.financepath.com.au/blog/what-are-strata-fees-</link><guid>https://www.financepath.com.au/blog/post/view/post/124167</guid><description><![CDATA[Strata fees, also known as body corporate fees, are contributions made by property owners in a strata-titled building to maintain shared areas and services. These can include stairwells, gardens, lifts, pools, gym facilities, and external repairs. The amo]]></description><pubDate>Mon, 17 Mar 2025 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/67bd5e3e15b41.png" type="image/png" length="225622"/></item><item><title><![CDATA[Understanding property market value and how to determine it.]]></title><link>https://www.financepath.com.au/blog/understanding-property-market-value-and-how-to-determine-it-</link><guid>https://www.financepath.com.au/blog/post/view/post/124072</guid><description><![CDATA[When buying a home, it's not uncommon for properties to sell for more than expected. However, most homes sell for what is considered their 'fair market value'. Understanding this concept and the factors that influence it can help you make a more informed ]]></description><pubDate>Tue, 11 Mar 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/67ad4d3b73580.png" type="image/png" length="288319"/></item><item><title><![CDATA[Variable or fixed? Finding your home loan rate in 2025.]]></title><link>https://www.financepath.com.au/blog/variable-or-fixed--finding-your-home-loan-rate-in-2025-</link><guid>https://www.financepath.com.au/blog/post/view/post/124166</guid><description><![CDATA[<p style="text-align:left;">The Reserve Bank of Australia (RBA) has cut the cash rate, and more cuts are expected in 2025. All big four banks anticipate at least two cuts this year, with some predicting up to five reductions.</p><p>&#160;</p>
]]></description><pubDate>Mon, 03 Mar 2025 22:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/67bd5e1f2b003.png" type="image/png" length="342939"/></item><item><title><![CDATA[Key things to look for during a home inspection.]]></title><link>https://www.financepath.com.au/blog/key-things-to-look-for-during-a-home-inspection-</link><guid>https://www.financepath.com.au/blog/post/view/post/124071</guid><description><![CDATA[Buying an existing home is a significant investment, and it's essential to ensure that the property is in good condition before making a purchase. A thorough home inspection can help you identify potential issues that might require costly repairs down the]]></description><pubDate>Fri, 28 Feb 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/67ad42ab44f56.png" type="image/png" length="302411"/></item><item><title><![CDATA[How to manage mortgage stress.]]></title><link>https://www.financepath.com.au/blog/how-to-manage-mortgage-stress-</link><guid>https://www.financepath.com.au/blog/post/view/post/124070</guid><description><![CDATA[Mortgage stress&#160;occurs when homeowners struggle to meet their mortgage repayments, often when over 30% of their income goes towards their home loan. Rising living costs can worsen this situation, making it essential to understand and manage mortgage ]]></description><pubDate>Tue, 25 Feb 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/67ad3eab6df0b.png" type="image/png" length="265334"/></item><item><title><![CDATA[Should you build or buy a home?]]></title><link>https://www.financepath.com.au/blog/should-you-build-or-buy-a-home-</link><guid>https://www.financepath.com.au/blog/post/view/post/124068</guid><description><![CDATA[When you're looking for a new home, one of the biggest decisions is whether to build a new one or buy an existing property. Each option has its own benefits and challenges, and understanding these can help you make the best choice for your situation.]]></description><pubDate>Wed, 19 Feb 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/67ad386eb1c7b.png" type="image/png" length="266989"/></item><item><title><![CDATA[What is stamp duty?]]></title><link>https://www.financepath.com.au/blog/what-is-stamp-duty-</link><guid>https://www.financepath.com.au/blog/post/view/post/124066</guid><description><![CDATA[Stamp duty, also known as conveyancing or transfer duty, is a tax based on the property's value. Rates vary by state, property type, value, buyer status, and intended use.]]></description><pubDate>Mon, 17 Feb 2025 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/67ad33c3cae6d.png" type="image/png" length="489027"/></item><item><title><![CDATA[From city to coast: Navigating the shift to coastal living.]]></title><link>https://www.financepath.com.au/blog/from-city-to-coast--navigating-the-shift-to-coastal-living-</link><guid>https://www.financepath.com.au/blog/post/view/post/123911</guid><description><![CDATA[Many Australians are eyeing a move from city life to coastal charm. What started as a lifestyle choice is now a practical option for many. Before you make the leap, consider these key factors to ensure a smooth transition.]]></description><pubDate>Wed, 12 Feb 2025 22:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/67903f6d12f2b.png" type="image/png" length="321075"/></item><item><title><![CDATA[How a mortgage adviser can help you buy a home this year.]]></title><link>https://www.financepath.com.au/blog/how-a-mortgage-advisor-can-help-you-buy-a-home-this-year-</link><guid>https://www.financepath.com.au/blog/post/view/post/123910</guid><description><![CDATA[With anticipated interest rate cuts, this year is perfect for buying a new home, refinancing, or exploring investments. As your trusted mortgage adviser, we're here to guide you through these exciting times and help you make confident decisions.]]></description><pubDate>Wed, 29 Jan 2025 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/67903f5c6ee8d.png" type="image/png" length="282654"/></item><item><title><![CDATA[Top 5 home buying trends to watch in 2025.]]></title><link>https://www.financepath.com.au/blog/top-5-home-buying-trends-to-watch-in-2025-</link><guid>https://www.financepath.com.au/blog/post/view/post/123908</guid><description><![CDATA[Thinking about buying a home in 2025? The property market is evolving, bringing both opportunities and challenges for buyers.]]></description><pubDate>Mon, 27 Jan 2025 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/67903f49e74d9.png" type="image/png" length="526320"/></item><item><title><![CDATA[Why new year’s resolutions often don’t work — and how to make them stick.]]></title><link>https://www.financepath.com.au/blog/why-new-year-s-resolutions-often-don-t-work----and-how-to-make-them-stick-</link><guid>https://www.financepath.com.au/blog/post/view/post/123760</guid><description><![CDATA[Every January, millions of people set New Year&#8217;s resolutions with big dreams of getting fit, saving money, or finally tackling that never-ending to-do list. But by the time February rolls around, most of those resolutions have fizzled out.]]></description><pubDate>Sun, 05 Jan 2025 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/67624e57d2167.png" type="image/png" length="318877"/></item><item><title><![CDATA[Refinancing your home loan: A step-by-step guide.]]></title><link>https://www.financepath.com.au/blog/refinancing-your-home-loan--a-step-by-step-guide</link><guid>https://www.financepath.com.au/blog/post/view/post/123648</guid><description><![CDATA[Refinancing&#160;your home loan can help you secure a loan that better meets your current needs. Follow our step-by-step guide to understand the refinancing process and make an informed decision.]]></description><pubDate>Thu, 02 Jan 2025 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/6750e70257a81.png" type="image/png" length="299246"/></item><item><title><![CDATA[Kickstart 2025 with smart money habits.]]></title><link>https://www.financepath.com.au/blog/kickstart-2025-with-smart-money-habits-</link><guid>https://www.financepath.com.au/blog/post/view/post/123752</guid><description><![CDATA[<span style="font-size:16px;">Building better financial habits starts with small, consistent steps. Whether it&#8217;s saving, reviewing your spending, or creating a clear plan, each action brings you closer to your goals.</span>]]></description><pubDate>Sun, 29 Dec 2024 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/6760dde3dc31a.png" type="image/png" length="252314"/></item><item><title><![CDATA[2024 in review and what to expect in 2025.]]></title><link>https://www.financepath.com.au/blog/2024-in-review-and-what-to-expect-in-2025</link><guid>https://www.financepath.com.au/blog/post/view/post/123751</guid><description><![CDATA[With interest rates potentially dropping and property prices set to decline in some markets, 2025 looks promising for homebuyers and investors.]]></description><pubDate>Thu, 26 Dec 2024 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/6760dfb15df10.png" type="image/png" length="195958"/></item><item><title><![CDATA[Bridging loans: The smart move for buying before selling.]]></title><link>https://www.financepath.com.au/blog/bridging-loans--the-smart-move-for-buying-before-selling-</link><guid>https://www.financepath.com.au/blog/post/view/post/123750</guid><description><![CDATA[<p>A bridging loan is a short-term financing option that allows you to secure a new property before selling your existing one. It bridges the gap between buying and selling, ensuring you can move forward without delays.</p>
]]></description><pubDate>Sun, 22 Dec 2024 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/6760dfc291c01.png" type="image/png" length="248911"/></item><item><title><![CDATA[Leveraging home equity: Tips to boost your financial freedom.]]></title><link>https://www.financepath.com.au/blog/leveraging-home-equity--tips-to-boost-your-financial-freedom-</link><guid>https://www.financepath.com.au/blog/post/view/post/123647</guid><description><![CDATA[Home equity&#160;represents the difference between your property&#8217;s market value and the balance remaining on your mortgage. Discover how accessing your home equity can open a world of financial opportunities.]]></description><pubDate>Thu, 19 Dec 2024 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/6750e7450e808.png" type="image/png" length="339722"/></item><item><title><![CDATA[Understanding property settlement: The final step in buying your new home.]]></title><link>https://www.financepath.com.au/blog/understanding-property-settlement--the-final-step-in-buying-your-new-home-</link><guid>https://www.financepath.com.au/blog/post/view/post/123646</guid><description><![CDATA[Settlement&#160;is a comprehensive procedure that includes several important tasks before you can start moving in.]]></description><pubDate>Tue, 17 Dec 2024 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/6750eb1264539.png" type="image/png" length="265712"/></item><item><title><![CDATA[How parents can help their children enter the property market: A comprehensive guide.]]></title><link>https://www.financepath.com.au/blog/how-you-can-help-your-child-buy-their-home</link><guid>https://www.financepath.com.au/blog/post/view/post/123213</guid><description><![CDATA[<p>If you're a parent looking for ways to support your children on their journey to homeownership, this guide will walk you through various options&#8212;both financial and non-financial&#8212;to make the process easier.</p>
]]></description><pubDate>Wed, 27 Nov 2024 22:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/66fde95e73b4f.png" type="image/png" length="369083"/></item><item><title><![CDATA[3 essential tips to avoid surprises on settlement day.]]></title><link>https://www.financepath.com.au/blog/3-essential-tips-to-avoid-surprises-on-settlement-day-</link><guid>https://www.financepath.com.au/blog/post/view/post/123530</guid><description><![CDATA[<span style="font-size:16px;">Settlement day is an exciting step towards homeownership, and with proactive planning and the right support, you can ensure everything goes smoothly. At FinancePath, we&#8217;re here to help guide you through the settlement p]]></description><pubDate>Thu, 21 Nov 2024 22:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/673c021d7e3d2.png" type="image/png" length="226521"/></item><item><title><![CDATA[Will property prices keep rising in 2025? What homeowners need to know.]]></title><link>https://www.financepath.com.au/blog/will-property-prices-keep-rising-in-2025--what-homeowners-need-to-know-</link><guid>https://www.financepath.com.au/blog/post/view/post/123521</guid><description><![CDATA[<span style="font-size:16px;">While the Australian property market has experienced impressive growth for nearly two years, the momentum appears to be slowing. In the September 2024 quarter, national property values increased by just 1%, the slowest rise s]]></description><pubDate>Wed, 20 Nov 2024 22:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/673c00ffe5f67.png" type="image/png" length="420806"/></item><item><title><![CDATA[How to write a family loan agreement: A step-by-step guide.]]></title><link>https://www.financepath.com.au/blog/how-to-write-a-family-loan-agreement--a-step-by-step-guide-</link><guid>https://www.financepath.com.au/blog/post/view/post/123196</guid><description><![CDATA[<p>A family loan agreement not only protects both parties but also ensures that the expectations around repayment are clear from the start.</p>
]]></description><pubDate>Tue, 19 Nov 2024 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/66fdca218ed41.png" type="image/png" length="403014"/></item><item><title><![CDATA[Why choose a mortgage adviser to refinance?]]></title><link>https://www.financepath.com.au/blog/why-choose-a-mortgage-broker-to-refinance-</link><guid>https://www.financepath.com.au/blog/post/view/post/123522</guid><description><![CDATA[<span style="font-size:16px;">Our team takes the time to understand your financial situation and long-term goals, helping you navigate the complex home loan landscape. As mortgage advisers, we are bound by a "best interests duty", meaning we are legally r]]></description><pubDate>Tue, 19 Nov 2024 22:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/673c01c850667.png" type="image/png" length="339630"/></item><item><title><![CDATA[How a potential rate cut could impact the housing market.]]></title><link>https://www.financepath.com.au/blog/how-a-potential-rate-cut-could-impact-the-housing-market-</link><guid>https://www.financepath.com.au/blog/post/view/post/123476</guid><description><![CDATA[Last week, the Reserve Bank of Australia (RBA) decided to keep the cash rate steady at 4.35%, leaving many wondering when the first rate cut might happen. According to Chris Collard, Director at FinancePath, a future rate cut could have a significant impa]]></description><pubDate>Wed, 13 Nov 2024 04:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/673156d6a3b9f.png" type="image/png" length="417841"/></item><item><title><![CDATA[Will the RBA cut cash rates? What homeowners need to know.]]></title><link>https://www.financepath.com.au/blog/will-the-rba-cut-cash-rates--what-homeowners-need-to-know-</link><guid>https://www.financepath.com.au/blog/post/view/post/123304</guid><description><![CDATA[<p>Inflation in Australia is showing signs of improvement, with the annual rate falling to 2.7% in August&#8212;its lowest level in three years. This decline, down from 3.5% in July, is a positive indicator for potential rate cuts. However, RBA Governor M]]></description><pubDate>Thu, 24 Oct 2024 22:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/68130b0a87953.png" type="image/png" length="493945"/></item><item><title><![CDATA[5 tips for choosing a property manager for your rental.]]></title><link>https://www.financepath.com.au/blog/5-tips-for-choosing-a-property-manager-for-your-rental-</link><guid>https://www.financepath.com.au/blog/post/view/post/123305</guid><description><![CDATA[<p>Renting out your investment property can be a rewarding venture but managing it yourself can be overwhelming. Hiring a professional property manager can save you time and stress, ensuring your property is well-maintained and your returns are maximised.]]></description><pubDate>Wed, 23 Oct 2024 22:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/670f436d9c6fc.png" type="image/png" length="299315"/></item><item><title><![CDATA[Your roadmap to financial control.]]></title><link>https://www.financepath.com.au/blog/seizing-opportunities--the-mindset-of-financial-growth--123281</link><guid>https://www.financepath.com.au/blog/post/view/post/123281</guid><description><![CDATA[<p>Creating a roadmap to financial control is about more than just managing money&#8212;it&#8217;s about empowering yourself to achieve the life you want. By setting clear goals, knowing your numbers, managing debt, building an emergency fund, and seizing]]></description><pubDate>Wed, 23 Oct 2024 04:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/670dc183b2db8.png" type="image/png" length="352657"/></item><item><title><![CDATA[What type of home loan do I need?]]></title><link>https://www.financepath.com.au/blog/what-type-of-home-loan-do-i-need-</link><guid>https://www.financepath.com.au/blog/post/view/post/123306</guid><description><![CDATA[Navigating the world of home loans can be overwhelming, especially for first-time buyers. With numerous lenders offering a variety of mortgage options, it&#8217;s crucial to find the right one for your financial situation and goals.]]></description><pubDate>Mon, 21 Oct 2024 22:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/670f46f18a841.png" type="image/png" length="266630"/></item><item><title><![CDATA[Seizing opportunities: The mindset of financial growth.]]></title><link>https://www.financepath.com.au/blog/seizing-opportunities--the-mindset-of-financial-growth-</link><guid>https://www.financepath.com.au/blog/post/view/post/123276</guid><description><![CDATA[Successful individuals understand that financial growth doesn&#8217;t just happen; it&#8217;s the result of deliberate actions taken when opportunities arise. They cultivate a mindset that is always alert, always learning, and always prepared to take calc]]></description><pubDate>Tue, 15 Oct 2024 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/670dba7b83131.png" type="image/png" length="323300"/></item><item><title><![CDATA[How to take control of your debt and your future.]]></title><link>https://www.financepath.com.au/blog/how-to-take-control-of-your-debt-and-your-future-</link><guid>https://www.financepath.com.au/blog/post/view/post/123153</guid><description><![CDATA[<p>Debt can feel overwhelming, especially when it accumulates to the point where it seems impossible to pay off. The interest piles up, the minimum payments stretch your budget, and the stress can impact your overall well-being. However, taking control of]]></description><pubDate>Wed, 02 Oct 2024 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/66f0fff02715f.png" type="image/png" length="354922"/></item><item><title><![CDATA[Know your numbers: The key to financial control.]]></title><link>https://www.financepath.com.au/blog/know-your-numbers--the-key-to-financial-control-</link><guid>https://www.financepath.com.au/blog/post/view/post/122956</guid><description><![CDATA[In this post, we&#8217;ll explore why knowing your numbers is so crucial, how to track them effectively, and how this knowledge empowers you to take control of your financial future.]]></description><pubDate>Wed, 25 Sep 2024 05:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/66f0de573352f.png" type="image/png" length="347776"/></item><item><title><![CDATA[Key questions to ask during a home inspection.]]></title><link>https://www.financepath.com.au/blog/questions-to-ask-during-a-home-inspection-</link><guid>https://www.financepath.com.au/blog/post/view/post/123126</guid><description><![CDATA[<p>Navigating the property market can be overwhelming, especially when stunning staging and marketing photos make a home seem irresistible. Before you commit to your dream property, ask yourself these critical questions:</p><p>Are staging tactics hiding]]></description><pubDate>Tue, 24 Sep 2024 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/66ecefd328084.png" type="image/png" length="333548"/></item><item><title><![CDATA[Why was my home loan application rejected?]]></title><link>https://www.financepath.com.au/blog/5-common-reasons-why-home-loan-applications-are-rejected-</link><guid>https://www.financepath.com.au/blog/post/view/post/123128</guid><description><![CDATA[<p>Pre-approval is an indication from a lender that they&#8217;re likely to approve you for a specific loan, but you still have to meet certain lending conditions.</p><p>Here are some of the common reasons why a mortgage application may be denied after ]]></description><pubDate>Mon, 23 Sep 2024 05:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/66ecf06e244eb.png" type="image/png" length="271028"/></item><item><title><![CDATA[What to expect this spring selling season.]]></title><link>https://www.financepath.com.au/blog/what-to-expect-this-spring-selling-season-</link><guid>https://www.financepath.com.au/blog/post/view/post/123127</guid><description><![CDATA[<p>Spring has arrived, bringing a renewed sense of excitement in the property market.</p><p>Whether you&#8217;re an agent looking to sell a few properties, a vendor wanting to offload a property, or a buyer hoping to snap up a bargain and start a new ch]]></description><pubDate>Fri, 20 Sep 2024 05:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/66ecf018ad500.png" type="image/png" length="266522"/></item><item><title><![CDATA[How clear financial goals can transform your future.]]></title><link>https://www.financepath.com.au/blog/how-clear-financial-goals-can-transform-your-future-</link><guid>https://www.financepath.com.au/blog/post/view/post/122952</guid><description><![CDATA[Clear financial goals serve as your roadmap to success.&#160;Goals give you direction, purpose, and motivation. They help you prioritise your spending, saving, and investing, ensuring that every dollar you earn is working toward something that truly matte]]></description><pubDate>Wed, 18 Sep 2024 05:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/66e8d420d0528.png" type="image/png" length="289971"/></item><item><title><![CDATA[The secret to financial success? It’s all about strategy!]]></title><link>https://www.financepath.com.au/blog/the-secrets-to-financial-success--it-s-all-about-strategy</link><guid>https://www.financepath.com.au/blog/post/view/post/122951</guid><description><![CDATA[Achieving financial success goes far beyond just income and expenses. It&#8217;s about adopting the right strategies&#8212;those that help you master your money and take control of your financial future.]]></description><pubDate>Mon, 09 Sep 2024 23:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/66de60f91bfc0.png" type="image/png" length="348492"/></item><item><title><![CDATA[What is Co-ownership?]]></title><link>https://www.financepath.com.au/blog/making-homeownership-a-reality--the-power-of-co-ownership</link><guid>https://www.financepath.com.au/blog/post/view/post/122933</guid><description><![CDATA[<p>Co-ownership is a strategy where two or more parties pool their financial resources to purchase a property together. This could be friends, family members, or even like-minded investors. By sharing the financial responsibilities, including the deposit,]]></description><pubDate>Fri, 30 Aug 2024 06:07:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/66cec40326906.png" type="image/png" length="437342"/></item><item><title><![CDATA[Navigating the road to homeownership: A guide for Australian Gen Z]]></title><link>https://www.financepath.com.au/blog/navigating-the-road-to-homeownership--a-guide-for-australian-gen-z</link><guid>https://www.financepath.com.au/blog/post/view/post/122932</guid><description><![CDATA[<p>For many in Australia's Gen Z, the dream of owning a home feels increasingly elusive. With skyrocketing property prices, stringent lending criteria, and the rising cost of living, it's easy to feel overwhelmed. However, with the right strategies and a<]]></description><pubDate>Wed, 28 Aug 2024 06:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/66cec4c0c4ef4.png" type="image/png" length="435342"/></item><item><title><![CDATA[Should I payoff my home loan or invest?]]></title><link>https://www.financepath.com.au/blog/should-i-pay-down-my-home-loan-or-invest-</link><guid>https://www.financepath.com.au/blog/post/view/post/122883</guid><description><![CDATA[<p>If your priority is becoming mortgage-free, consider paying off your home instead of investing. However, if you aim to build wealth, investing in property might be a better option.</p>
]]></description><pubDate>Wed, 21 Aug 2024 01:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/66c53c106f78b.png" type="image/png" length="315753"/></item><item><title><![CDATA[Is now a good time to refinance?]]></title><link>https://www.financepath.com.au/blog/is-now-a-good-time-to-refinance-</link><guid>https://www.financepath.com.au/blog/post/view/post/122882</guid><description><![CDATA[<p>The decision as to whether to refinance depends largely on your individual situation and goals. Here are a few key considerations to think about when deciding whether or not to refinance.</p>
]]></description><pubDate>Wed, 21 Aug 2024 00:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/66c53bdd86f1e.png" type="image/png" length="271288"/></item><item><title><![CDATA[Rentvesting: A smart strategy for first-time buyers.]]></title><link>https://www.financepath.com.au/blog/rentvesting--a-smart-strategy-for-first-time-buyers-</link><guid>https://www.financepath.com.au/blog/post/view/post/122880</guid><description><![CDATA[<p>By rentvesting, you can earn an income from your rental property, pay off the mortgage, and potentially cover the costs of owning the property, all while continuing to live in a suburb you enjoy.</p>
]]></description><pubDate>Tue, 20 Aug 2024 07:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/66c53bcb898cd.png" type="image/png" length="316438"/></item><item><title><![CDATA[5 things to look for in an investment property.]]></title><link>https://www.financepath.com.au/blog/5-things-to-look-for-in-an-investment-property-</link><guid>https://www.financepath.com.au/blog/post/view/post/122585</guid><description><![CDATA[<p>At the end of the day, the aim of buying an investment property is to make a solid financial return &#8211; whether that&#8217;s through rental income or capital growth. That&#8217;s why it&#8217;s so important to be savvy about what and where you buy.]]></description><pubDate>Wed, 24 Jul 2024 03:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/66f227d585b9a.png" type="image/png" length="296378"/></item><item><title><![CDATA[What is a guarantor loan and how does it work?]]></title><link>https://www.financepath.com.au/blog/what-is-a-guarantor-loan-and-how-does-it-work-</link><guid>https://www.financepath.com.au/blog/post/view/post/122584</guid><description><![CDATA[<p>If you&#8217;re an aspiring homeowner who is struggling to save a deposit, there may be other options to get you over the line and into your first home sooner. A guarantor loan is one of them.</p>
]]></description><pubDate>Wed, 24 Jul 2024 02:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/66a0735615f82.png" type="image/png" length="336965"/></item><item><title><![CDATA[Specialised home loans for our registered nurses, qualified paramedics, and police officers with essential services package.]]></title><link>https://www.financepath.com.au/blog/specialised-home-loans-for-our-registered-nurses--qualified-paramedics--and-police-officers-with-essential-services-package-</link><guid>https://www.financepath.com.au/blog/post/view/post/122309</guid><description><![CDATA[<p>If you&#8217;re a registered nurse, a fully qualified paramedic, or a sworn-in state or federal police officer looking to buy a home, contact us today to learn more about the home loan essential services package.</p>
]]></description><pubDate>Thu, 11 Jul 2024 02:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/66874fcdbc051.png" type="image/png" length="345732"/></item><item><title><![CDATA[Refinance 101: Things you should consider before refinancing.]]></title><link>https://www.financepath.com.au/blog/refinance-101--things-you-should-consider-before-refinancing-</link><guid>https://www.financepath.com.au/blog/post/view/post/122213</guid><description><![CDATA[<p>With today&#8217;s cost-of-living pressures, it&#8217;s more important than ever to regularly review your home loan to see how it stacks up against others. Refinancing could allow you to find a more competitive mortgage and save you a lot of money over]]></description><pubDate>Wed, 26 Jun 2024 01:00:00 +0000</pubDate><enclosure url="https://assets.cdn.thewebconsole.com/S3WEB7075/blogImages/667b5e929b6e5.png" type="image/png" length="288666"/></item></channel></rss>
