BNZ cuts term deposit rates. We assess what is ahead
BNZ has trimmed some term deposit rates today (Wednesday). For all the main banks and for all the…
#NewsBeep #News #Headlines #borrowing #covid19nz #Delta #FHB #Firsthomebuyers #homeloans #lockdownnz #LVRs #Mortgages #NewZealand #NZ
https://www.newsbeep.com/100195/
The great mortgage loan provider switch continues
Latest Reserve Bank figures show that the amount of mortgage money changing loan providers hit a new high…
#NewsBeep #News #Headlines #banking #debt-to-incomeratios #DTIs #FHB #FinancialStability #Firsthomebuyers #houseprices #Lending #Macroprudentialtools #Mortgages #NewZealand #NZ #NZhousingmarket #NZrealestate
https://www.newsbeep.com/84221/
Tracking the mortgage rate changes following the OCR cut. ANZ moves, followed by Westpac
As widely expected, the Reserve Bank has cut the official cash rate again by another -25 bps to…
#NewsBeep #News #Headlines #borrowing #covid19nz #Delta #FHB #Firsthomebuyers #homeloans #lockdownnz #LVRs #Mortgages #NewZealand #NZ
https://www.newsbeep.com/71839/
These two can’t both be true:
On one hand, negative gearing is supposedly inconsequential to housing supply, rental stock, or renters.
On the other, investor borrowing—supercharged by tax perks like negative gearing—is literally choking out first-time buyers from homeownership.
And let’s not forget Victoria. Despite tougher land taxes and investor levies, there’s been no mass exodus of landlords and no collapse in rental availability. So much for the scare campaign that “reform will kill rentals.”
One of these stories is full of it. And it’s not the one showing how investors are flooding the market.
I wonder how many negatively-geared properties the author owns?
#auspol #NegativeGearing #HousingCrisis #FirstHomeBuyers #ausmedia
This Sinclair Davidson op-ed* insists that scrapping negative gearing won’t solve the housing crisis—and is simply ideological fluff. It claims “reforming” the scheme won’t build a single home, won’t help a single renter, and will only make life tougher for “small investors,” while claiming state governments benefit from high prices via tax revenue and thus oppose affordability reform.
But hold up—just next door, a Guardian headline reports property investors borrowed a record $130 billion in the year to June 2025. They’re hogging the market, pushing out first-time buyers—116,000 new FHB mortgages issued vs nearly 200,000 investor loans, the highest level for landlords since 2022.
#auspol #NegativeGearing #HousingCrisis #FirstHomeBuyers #ausmedia
Thinking About Using a Buyer’s Agent? Here’s What Actually Happens Next.
A Day in the Life of a Property Strategy Session
If you’ve ever filled out an enquiry form or called a buyer’s agent like myself, you might wonder — what happens now?
Most people expect a quick chat and maybe a few property emails. But there’s a proven, step-by-step process that I follow with every client to make sure you’re not just buying any property — you’re buying the right one for your goals.
This post gives you a transparent look at what goes on behind the scenes — including strategy, finance, shortlisting, negotiation, and final settlement support.
1. Discovery Call — Understanding Your Big Picture
This is where we map out your goals, finances, lifestyle preferences, and long-term plans. Whether you’re an investor, first-home buyer, or planning retirement income, I tailor the conversation to your situation.
Questions I might ask:
We also talk about locations, ideal property types, timing, and concerns you’ve had with previous searches.
2. Finance Strategy & Pre-Approval
Before you start falling in love with realestate.com.au listings, we need to be realistic about your budget. This step includes:
I work as a mortgage broker too, so I help you get pre-approval fast, often in days, not weeks.
3. Your Property Strategy Session
Here’s where we get into the details that most buyers overlook. I’ll show you:
This spreadsheet compares three shortlisted suburbs based on historical growth, average rental yield, vacancy rate, and infrastructure projects.
We also talk through exit strategy, risk buffers, and future borrowing.
4. Property Shortlisting & Inspections
Once we’re aligned, I begin sourcing on- and off-market opportunities.
You’ll get access to:
This is the part clients love — no more wasting Saturdays at open homes with 40 other buyers.
5. Offer & Negotiation
I handle the negotiation — including how to present a strong offer, read the agent’s positioning, and move fast without overpaying.
Depending on the strategy, I might recommend:
I’ve saved clients tens of thousands here. Not because I play hardball, but because I understand what’s behind the seller’s motivation.
6. Due Diligence & Settlement Support
We coordinate with your solicitor, lender, and conveyancer to ensure:
And I stay with you all the way through settlement — because you shouldn’t be chasing emails at 11pm to check if the bank has released funds.
Final Thoughts
Using a buyer’s agent isn’t just about outsourcing the hard work. It’s about getting clarity, removing emotion, and making strategic decisions based on facts, not guesswork.
Whether you’re buying your first home or building a portfolio, the process matters. If you want help building a clear plan, negotiating better, and saving money along the way reach out today for a quick chat. Simply fill in the form on the bottom of this page:
#BuyersAgent #DreamHome #HomeBuyingTips #MortgageBroker #PropertyInvestment #TruthGroup #BrandNewHomes #BuyersAgentSouthWestSydney #BuyersAgentsHoxtonPark #BuyersAgentsSouthWestSydney #FirstHomeNextHomeBuyers #FirstHomeAndNextHomeBuyers #FirstHomeBuyers #HomeAndLandPackages #HomeOwnership #HouseAndLandPackages #HouseAndLandPackagesNSW #HouseAndLandPackagesQLD #InvestmentStrategy #investmentproperty #mortgageBroker #mortgagePlanning #PositiveCashflowProperties #positiveGearedPropertyInvesting #PropertyInvesting #wealthCreation
House prices might be flat – but that doesn’t mean the market isn’t active
It’s easy to think of the current housing market as being lifeless – because prices aren’t currently going…
#NewsBeep #News #Headlines #banking #debt-to-incomeratios #DTIs #FHB #FinancialStability #Firsthomebuyers #houseprices #Lending #Macroprudentialtools #Mortgages #NewZealand #NZ #NZhousingmarket #NZrealestate
https://www.newsbeep.com/19511/
Day 15 cont #Labor 🏡🏠🏡🏡🏡🏡🏡🏠🏡🏡💰
“A re-elected #Albanese government would allow all Australian first home buyers to purchase with a 5 per cent deposit, avoiding lenders mortgage insurance, in an expansion of an existing scheme.
The government will also commit $10 billion to build 100,000 new #homes exclusively for #FirstHomeBuyers, and will introduce a $1,000 instant #TaxDeduction from 2026-27
Last minute policy. Details? Cant we address the existing problems?
#AusPol / #LaborParty / #housing / #HousingCrisis / #Financialisation / #NegativeGearing
<https://www.abc.net.au/news/2025-04-12/election-2025-labor-five-per-cent-deposits-first-homebuyers/105169984>
Day 15 cont 🏡🏠🏡🏡🏡🏡🏡🏠🏡🏡💰
“I want to help #YoungPeople and #FirstHomeBuyers achieve the dream of #HomeOwnership,” — #AnthonyAlbanese said.
#PeterDutton (#LNP / #Liberal) has announced a $10bn tax cut measure, which would give #Australians who earn up to $144,000 relief of up to $1,200 in the upcoming financial year.”
What a load of horse💩. Where is the strategy to industrialise the housing Industry to drive down costs and increase quality? <https://www.youtube.com/watchv=36I6jCrWTvQ>
Does #Labor want people to #buy or #rent? Where is this discussion? If not where is the plan to rollback (middle class #welfare) house investment & #NegativeGearing? Where is the talk of #EducationalDebt? Free TAFE for Tradies won’t solve these problems.
Dream on Labor.
Libs, $1200 dollars 😆🤭🤣🤣
#AusPol / #Labor / #LaborParty / #housing / #HousingCrisis / #Financialisation / #NegativeGearing <https://theguardian.com/australia-news/2025/apr/12/albanese-to-pledge-10bn-to-help-build-100000-homes-for-first-time-buyers>
Day nine cont
“Claire ONEIL: 1.2 million homes in five years
The Minister is focused on building more and wants 1.2 million new homes in five years.
“We need to build more #homes at the affordable end of the market – that’s why we want 1.2 million homes built over #FiveYears and assist #FirstHomeBuyers.
Construction capability is very important – we’ve got to build more homes; we need to build our construction sector’s capacity, and one of the most important aspects of that is that we’re training more #tradies.
Fee-free #TAFE is now permanent. Tens of thousands of those have been people #training in #construction.”
There is no mention that I can find on housing from #Labor. The Government Minister for Housing made the above comment on 14th March in the #Melbourne #NeosKosmos.
#AusPol / #Labor / #CaireONeil #HousingCrisis <https://neoskosmos.com/en/2025/03/14/news/australia/build-build-build-clare-oneils-bold-plan-to-tackle-australias-housing-crisis/>
"First-time buyers, avoid common mistakes like skipping pre-approval or overextending your budget—buy smart, not stressed! 🏡💡 #FirstHomeBuyers #SmartBuying #HomeLoanTips #AvoidMistakes"
Stop paying rent and start building equity—own your dream home today with our expert guidance!
#StopPayingRent #DreamHome #FirstHomeBuyers #HomeLoans #BuildEquity #MortgageSupport #RealEstateGoals #RentToBuy
Investors build wealth; first home buyers build dreams. Tailored solutions for both—let’s make it happen!
#Investors #FirstHomeBuyers #PropertyGoals #WealthBuilding #DreamHome #RealEstateSolutions #HomeLoans #MortgageSupport
Accessing Lenders When You Have Obstacles Like a Low Credit Score.
Understanding Home Finance can be challenging, especially if you have a low credit score. This article aims to guide you through the process.
If you’re facing challenges like a low credit score, inconsistent income, or have a complex financial situation. I understand how tough it can be to navigate the mortgage process in home finance. Many people feel stuck, thinking they don’t qualify for a loan. But the truth is, even with these obstacles, there are options out there for you. And I can help you find them.
At Truth Group, I specialize in working with a wide range of lenders. Many of whom are more flexible and understanding about unique financial situations. Whether you’re a first-time home buyer or you’re ready for your next home. I can help you explore home finance solutions that fit your needs and goals.
Overcoming a Low Credit Score
If your credit score isn’t where you want it to be, it doesn’t mean you’re out of options. I work with lenders who look beyond the numbers, considering your broader financial situation, like your assets, savings, or rental history. These lenders are more understanding and may be willing to provide home finance solutions that fit your situation.
Self-Employed or Have Irregular Income?
If you’re self-employed, work as a freelancer, or have fluctuating income, traditional lenders often find it difficult to assess your financial reliability. But as a mortgage broker, I can introduce you to lenders who specialize in working with self-employed clients. These lenders may accept alternative documents like one year of financials, tax returns, or business bank statements. That means we can put together a strong home finance application, even if you don’t have a typical income stream.
High Debt or Low Deposit?
If you’re concerned about having too much debt or a small deposit. I can help you find lenders offering low-deposit loans or even work with guarantors to get you across the line. These lenders can help consolidate other debts into your mortgage. Improving your cash flow and making repayments more manageable, alleviating many home finance worries.
Looking to Build a New Home?
Whether you’re buying your first home or your next. I can help you secure a construction loan and shortlist a house and land package through one of the builders I partner with. These packages are ideal if you’re looking for a brand-new property tailored to your preferences. And as an added bonus, depending on the builder and location, I offer my clients a housewarming cash gift of $5,000 to $20,000 to help you settle into your new home.
How I Can Help
At Truth Group, I do more than just find you a loan. I also act as your buyer’s agent, working to identify the best property options that suit your needs. By partnering with trusted builders, I can help you navigate the complexities of securing a construction loan and choosing a house and land package. You won’t just get a mortgage—you’ll get a home tailored to you.
If you’ve faced obstacles in securing a loan, don’t give up. Reach out to me today, and let’s explore the home finance alternatives. No matter what hurdles you’re facing, I’m confident we can find a solution that works for you.
#TailoredMortgageSolutions #CustomLoans #MortgageBroker #HomeFinance #FirstHomeBuyers
https://truthgroup.com.au/contact-truth-group-the-exclusive-buyers-agent-today/
https://truthgroup.com.au/mortgage-broker-in-inner-west/
https://truthgroup.com.au/2024/09/20/do-you-get-a-better-rate-with-a-mortgage-broker/
https://truthgroup.com.au/2024/10/24/the-mortgage-broker-advantage/
#MortgageBroker #CustomLoans #FirstHomeBuyers #HomeFinance #TailoredMortgageSolutions
Even if a property is given to you, you will need to pay stamp duty, as ownership of the property is being transferred from one party to another.
Read more 👉 https://lttr.ai/AXpSN
But if you’re already feeling the pinch with rising cost-of-living pressures, it may be worthwhile holding off or talking to us about how to buy with a buffer, should interest rates continue to climb.
Read more 👉 https://lttr.ai/AW7oU
#GetPrepared #RedrawFacilities #MortgageInsurance #BrokerTransparency #FinancialGoals #OffsetAccounts #MortgageTips #HomeLoanAdvice #MortgageBrokerQuestions #FirstHomeBuyers #HomeLoanJourney #LoanApproval #MortgageBrokerAdvice #HomeBuying #LoanOptions
Yes, stamp duty is applicable to all property title transfers (unless you’re eligible for an exemption).
Read more 👉 https://lttr.ai/AVl8H
Stamp duty is calculated as a percentage of your property’s purchase price.
Read more 👉 https://lttr.ai/AUlnC
If your property has increased in value or you’ve paid down the mortgage somewhat, you may be able to refinance and use your equity to buy an investment property.
Read more 👉 https://lttr.ai/AU06k
#GetPrepared #RedrawFacilities #MortgageInsurance #BrokerTransparency #FinancialGoals #OffsetAccounts #MortgageTips #HomeLoanAdvice #MortgageBrokerQuestions #FirstHomeBuyers #HomeLoanJourney #LoanApproval #MortgageBrokerAdvice #HomeBuying #LoanOptions #FixedVsVariable #TightenedLendingStandards
Stamp duty is a charge applied by state governments on transactions relating to the transfer of land or property.
Read more 👉 https://lttr.ai/AUvhV
