BLOG
Read practical guides, market updates, finance tips and case studies from the hfinance team to help you borrow smarter, invest with confidence and stay ahead of the Australian property market.
Read practical guides, market updates, finance tips and case studies from the hfinance team to help you borrow smarter, invest with confidence and stay ahead of the Australian property market.
Current cash rate following the latest Reserve Bank of Australia rate increase.
Average owner-occupier principal & interest variable rate across Australia's major lenders.
Approximate median dwelling value across Greater Sydney, reflecting continued market growth.
In this illustrative scenario, a homeowner who uses debt recycling finishes ten years around $202,000 better off than one who simply keeps paying down their
Stamp duty is one of the biggest upfront costs of buying a home, and for first home buyers it’s also the one that changes most
Picture two home loans, both advertised at 6.00%. On the headline number, they look identical. Then you glance at the smaller figure beside each one
The RBA has done it again. On 29 September 2026, the Board lifted the cash rate by 25 basis points to 4.60%, the fourth increase
Every home loan advertisement in Australia shows you two percentages, sitting side by side. One is usually large and prominent. The other is smaller, sometimes
If you’ve ever looked at a home loan advertisement, you’ve seen two numbers sitting next to each other. One is large and bold, the interest
For most of 2026, predicting the Reserve Bank’s next move has been reasonably straightforward. Three hikes early in the year, then two holds in a
While property values eased across most of the country in July 2026, the Gold Coast quietly did the opposite. It’s a small move on paper,
Why the Big Four Banks No Longer Agree on What Happens Next The Reserve Bank of Australia left the cash rate unchanged at 4.35% at
Varsity Lakes is a genuinely mixed market, young professionals buying their first apartment, families upgrading into the lake precinct, and investors chasing rental demand from
Enmore is our own backyard. Our office is at Stanmore, which shares a border with Enmore, and we finance property on these streets more often
Coomera is the fastest-growing part of the Gold Coast, and it is also where we see the most avoidable finance problems. House-and-land contracts, off-the-plan townhouses
If you are buying, investing or refinancing in Arundel, we can help. hfinance has a Gold Coast office at Highland Park, about twenty minutes south
Stanmore is where our office is, so this is the suburb we know better than any other. We walk these streets, we know which terraces
I do a lot of deals for family members who own property together. Siblings, parents and adult children, cousins. It is far more common than
This one came through our Gold Coast office and it is the sort of file that never turns up in a bank’s advertising. One modest
Trust structures scare a lot of borrowers off, usually because somebody has told them the banks do not like trusts. Plenty of lenders are perfectly
Most of the expat files that reach me have already been knocked back somewhere. Usually the borrower has called the lender they have banked with
Southport is the Gold Coast’s central business district and its largest apartment market by a wide margin. That makes it the suburb where lender policy
Redfern has changed more than almost any Sydney suburb over the past two decades, and lender attitudes have not always kept pace. There is still
Pyrmont is almost entirely apartments 7,161 units against 359 houses which makes it the purest test of a lender’s high-density policy anywhere in Sydney. Whether
Paddington is one of the most expensive residential markets in the country, and buying here brings a set of finance issues that do not exist
An hfinance client case study. Lenders Mortgage Insurance is the tax nobody budgets for. On a 90% loan against an $800,000 purchase, LMI can run
A hfinance client case study. Here’s something most Australian expats don’t realise: you don’t have to accept whatever rate your loans drifted to while you’ve
We use cookies to personalize content, provide social media features, and analyze our traffic. We also share information about your use of our site with our analytics partners. You can change your preferences at any time. For more information, please see our Privacy Policy and Cookie Policy. Privacy Policy Cookie Policy
