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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.
A hfinance client case study. The best deals usually aren’t one transaction, they’re a sequence. This one had two stages: refinance a pair of Brisbane
An hfinance client case study. We work with a lot of returning Australians, and this deal is a good example of why the first phone
A hfinance client case study. I see this constantly: investors with millions in equity who can’t actually touch any of it. The properties have done
An hfinance client case study. This is one of my favourite deals of the year, and on paper the big banks wouldn’t touch it. Self-employed
An hfinance client case study. Australian expats often find themselves in the same position. They’ve built a solid residential investment portfolio back home, foreign income
An hfinance client case study. For one Sydney renter, the maths of home ownership simply didn’t add up — until the Federal Government’s Help to
Coogee is the Eastern Suburbs at its most lifestyle-driven — beach at the doorstep, about 7km from the city. It’s overwhelmingly a unit market (around
Randwick sits about 6km from the city in the Eastern Suburbs, anchored by UNSW, the Prince of Wales Hospital and the Royal Randwick Racecourse. That
Marrickville is the Inner West’s creative heart breweries, live music, a serious food scene and a warehouse-to-studio energy about 6.5km from the city. The population
Ashfield sits about 8km from the CBD on the T2 line, and it’s long been one of Sydney’s most vibrant multicultural pockets home to an
Leichhardt has been Sydney’s ‘Little Italy’ for generations, and it still wears it well — espresso on Norton Street, terraces on leafy backstreets, and a
Equity-rich but the bank won’t lend the bridge? Here’s how Sydney homeowners buy their next home, or renovate before selling, without a rushed sale.
Business booming but the bank won’t lend? How self-employed Sydney homeowners use home equity to fund growth and clear ATO debt — without new monthly repayments.
Helping the kids buy, navigating a separation, or bridging an inheritance? How Sydney homeowners use equity to support family — without new monthly repayments.
Strong equity but knocked back on serviceability? How Sydney homeowners cut repayments, clear high-interest debt and free up cashflow when the bank won’t refinance.
The next Reserve Bank of Australia cash rate decision has become one of the most closely watched financial events of the year. After a surprise
Not long ago, many Australians were expecting interest rates to keep falling. Markets were pricing in further cuts. Borrowers were breathing a little easier. Property
Understanding Australia’s Growing Repayment Pressure For many Australians, the monthly mortgage repayment has quietly become the biggest source of financial stress. It’s not because borrowers
For most Australians, a mortgage is the biggest financial commitment they’ll ever make. Thirty years sounds manageable when you’re signing the paperwork. Somewhere around year
Buying your first home with a 5% deposit can feel like winning the race before it even begins. After months—or sometimes years—of saving, you’re finally
For many Australians, buying a first home doesn’t begin with finding the right suburb. It begins with opening a savings account and wondering whether the
Tax Cuts, Housing Reform and What It Means for Your Back Pocket Every Federal Budget promises to make life more affordable. Some deliver modest adjustments.
What Property Investors Need to Know For more than two decades, the 50% Capital Gains Tax (CGT) discount has been one of the defining features
For years, negative gearing has been one of the most talked-about tax settings in Australian property. Some investors see it as a legitimate tool for
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