Welcome to Our June Newsletter

In our June Newsletter, we explore the latest movements shaping the property and finance world. From the continued surge in home prices despite winter’s arrival, to the growing popularity of mortgage brokers among Australian borrowers – there’s plenty to unpack. We also highlight key considerations for your home loan health as EOFY approaches and uncover how certain spending habits, like gambling, can affect your loan approval. Whether you’re reviewing your finances or looking ahead to new opportunities, this edition brings timely insights to support your goals.

Winter has arrived, but the property market is sizzling across the nation. Property prices rose across all capital cities last month in the wake of the cash rate being cut for the second time this year.

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February Newsletter

June Newsletter

Why More Aussies Are Choosing Mortgage Brokers

Three in four borrowers now choose a broker to secure a mortgage. What’s driving this growing preference, and what unique benefits do brokers provide that many borrowers might not be aware of? Find out here.

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Can Gambling Impact Your Home Loan Application?

The short answer is yes. A history of gambling could be considered a red flag by lenders and jeopardises your chances of being approved for a home loan. Here’s what you need to know.

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EOFY Financial Health Checklist:

Is Your Home Loan Still Working For You?

The end of the financial year is the perfect opportunity to assess your property’s financial performance and to give your finances a health check. Here’s a quick EOFY checklist to help you plan and prepare.

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Final Thoughts

We hope you found this month’s insights valuable as you navigate your property journey, plan your investments, or review your loan ahead of EOFY. From market trends to borrowing tips, our goal is to keep you informed and empowered to make confident financial decisions. As always, we’re here to help if you’d like to explore your options or take the next step..

If you have any questions about the topics covered — or you’re ready to take the next step toward your financial goals — feel free to get in touch.

Want to chat through your options?

Contact Us

March Newsletter

June Newsletter

Welcome to Our May Newsletter

In our May Newsletter, we take a closer look at the latest shifts in the property and financial landscape. From what Labor’s recent election victory could mean for aspiring homeowners, to essential tax tips for investors as the end of financial year approaches — there’s something here for everyone. We also explore practical ways to prepare for retirement and share insights on why now could be a smart time to buy. Whether you’re planning your next move or simply staying informed, this month’s update has you covered.

It’s an exciting time in the property world. With property prices rising nationally and interest rates coming down, now could be a great time to buy a home or investment property.

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February Newsletter

May Newsletter - Lending

What Labor’s Win Means for Aspiring Home Buyers

The federal election is done and dusted, with Labor achieving a landslide victory. So how did aspiring homeowners fare? Let’s take a look at what this means for the property market and how it could affect your buying journey.

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Are You Ready for Retirement?

How much money do you need to retire? What other financial considerations should you think about as you approach retirement? This article breaks down the essentials to help you prepare for the next chapter.

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End of Financial Year Tax Tips for Investors

Tax time is fast approaching, so it’s time for property investors to tune in. Here’s a quick refresher on the expenses you can claim for your investment property — just in time for EOFY planning.

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Final Thoughts

We hope you found this month’s insights helpful as you navigate your property, investment, or retirement plans. As always, we’re here to support you with tailored advice and up-to-date information to help you make confident decisions.

If you have any questions about the topics covered — or you’re ready to take the next step toward your financial goals — feel free to get in touch.

Want to chat through your options?

Contact Us

March Newsletter

May Newsletter

RBA Cash Rate Announcement

May 2025

What It Means For You

In our latest update, we break down the Reserve Bank of Australia’s latest cash rate announcement and what it means for homeowners, first-time buyers, and the broader property market. With interest rates dropping and inflation showing signs of easing, there’s plenty to consider — from refinancing opportunities to new government schemes helping more Australians into their first home. Read on for a full snapshot of where things stand and what you can do next.

RBA Cash Rate - Lending

RBA Cuts the Cash Rate to 3.85%

It’s the news homeowners love to hear — the Reserve Bank has cut the cash rate by 0.25 percentage points, bringing it down to 3.85%. This decision comes on the back of a continued drop in inflation, with the March quarter numbers offering fresh optimism.

📌 Read the full statement on the RBA’s website.

Economic and Inflation Insights

  • CPI rose 2.4% over the 12 months to March.
  • Underlying inflation dropped to 2.9% — the lowest since December 2021.
  • While some economists tipped a 50-point cut, the RBA opted for 25 points.
  • RBA Governor Michele Bullock noted the strong progress in reducing inflation while maintaining low unemployment.

Time to Review Your Home Loan

Now could be the perfect time to review your home loan. Lenders may start passing on the rate cut — so it’s worth checking if you’re getting the best deal available. We can help assess your options.

Reach Out Now!

First Home Buyers: New Opportunities

The federal government is expanding its support for first-home buyers, including:

  • Help to Buy Scheme: Eligible buyers can purchase with a 2% deposit and no LMI, with the government contributing up to 40% in equity.
  • First Home Guarantee: From 2026, first-home buyers may purchase with a 5% deposit and avoid LMI.

Property Market Snapshot

Final Thoughts

This rate cut could signal the beginning of more interest rate relief ahead — and possibly more buying power for those ready to enter the market. Whether you’re reviewing your home loan, exploring your eligibility for first-home schemes, or simply curious about what this means for you, we’re here to help.

Contact us today to discuss your situation and next steps.

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RBA Cash Rate

RBA Cash Rate

ATO Debt Changes from 1 July 2025

Big changes are on the way for business owners with outstanding ATO debt. From 1 July 2025, interest charges on ATO debts may no longer be tax-deductible — which could increase the cost of carrying that debt.

While we’re not here to provide tax or accounting advice, we believe this is an important change to be aware of, especially as EOFY planning ramps up.

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February Newsletter

ATO Debt

What’s Changing?

Right now, if your business has an outstanding ATO debt, the interest you’re charged (known as General Interest Charges or GIC) may be tax-deductible — reducing the overall impact on your taxable income.

But under proposed changes in the 2024–25 Federal Budget, that deductibility may be removed from 1 July 2025.

That means:

  • Tax time could get more expensive if you have overdue obligations
  • Businesses may no longer be able to claim ATO interest as a deduction
  • Holding onto ATO debt could increase your taxable income

Why This Matters

If your business is carrying ATO debt — even if it’s being managed through a payment plan — the real cost of that debt could rise significantly once deductibility is removed.

For businesses managing tight cash flow or already stretched by other obligations, this could put more pressure on end-of-year financials.

What Can You Do?

Now is the time to start planning. Here are a few proactive steps you might consider:

📆 Review your position before EOFY — don’t leave it too late to take action

📝 Check in with your accountant to understand how this change could affect your specific circumstances

💬 Explore short-term finance or cash flow solutions if paying down ATO debt is a priority

We’re Here to Support You

At Money Solutions, we’re not offering tax advice — but we do want our clients to stay informed so they can make confident, timely decisions.

If you’d like to explore your business finance options to help manage ATO debt or improve cash flow, our team is here to help.

📞 Get in touch with us for a friendly, obligation-free chat.

Contact Us

Disclaimer

This blog post provides general information only and is not financial or tax advice. Your full financial situation and requirements should be considered in consultation with a qualified adviser before making any decisions.

March Newsletter

Welcome to Our April Newsletter

In our April Newsletter, we explore property prices, negative gearing and construction loans. Property prices are rising across the nation, the major parties are making big housing promises as the federal election looms, and interest rates are expected to come down following global market turmoil. It’s all happening in the property world – click through to find out how it may affect your plans.

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February Newsletter

April Newsletter Lending

What the Federal Budget means for Home Buyers

There’s a lot to digest from the Federal Budget, but we’ve broken it down into bite-sized pieces. If you’re hoping to buy a property in the near future, here are some of the key Budget takeaways.

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Negative Gearing Explained

Negative gearing is a popular investment strategy in Australia, but it’s often in the news. If you’re new to property investment, here’s what you need to know about negative gearing and capital gains tax (CGT).

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How do Construction Loans work?

Planning to build your own home in 2025? Construction loans are a bit different from standard home loans, with unique stages and structures to understand. Tune in to learn how they work here.

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Wrapping Up

From election promises and budget changes to home loan strategies and construction finance — there’s a lot going on in the property and finance space this month.

Whether you’re looking to buy, build, refinance, or invest, staying informed is your best first step. If you’ve got questions about how these updates might impact your plans, we’re here to help.

Want to chat through your options?

Contact Us

March Newsletter

April Newsletter

RBA Cash Rate Announcement

April 2025

RBA Holds the Cash Rate at 4.10%

The Reserve Bank of Australia has held the official cash rate steady at 4.10% following its latest meeting. With inflation continuing to trend downward, there’s growing optimism that rate relief could be on the horizon.

Official RBA Statement
Cash Rate

Inflation Eases – What It Means for You

The latest figures from the Australian Bureau of Statistics show inflation slowing to 2.4% over the 12 months to February — comfortably within the RBA’s target band. This decline from 2.5% in January has sparked hope among economists for a potential rate cut later in the year, possibly in May.

Federal Budget Brings Cost-of-Living Relief

The 2025–26 Federal Budget introduced several cost-of-living measures:

  • New tax cuts for Australian taxpayers
  • Further energy bill relief
  • Reduced costs for medicines and student debt

One standout policy is the expansion of the Help to Buy program, which will allow eligible Australians to purchase homes with lower deposits and smaller mortgages. The Government plans to:

  • Contribute up to 40% equity toward eligible purchases
  • Increase income caps (now $100,000 for individuals, $160,000 for couples)
  • Allocate $800 million to make the program more accessible

Boosting Housing Supply

Another $54 million will go towards supporting the modular and prefabricated housing industry, aiming to fast-track home construction and ease supply issues.

Property Market Snapshot

Lets Start with a Chat

Want to understand how this might impact your plans? Whether you’re looking to buy your first home, invest, or simply want to explore your options, we’re here to help.

💬 Need help understanding how this impacts your loan? Contact us today

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Cash Rate

Welcome to Our March Newsletter

In the March newsletter, we’re looking at key topics to help you navigate the ever-changing property and finance landscape with confidence. From understanding the benefits of a redraw facility to assessing whether now is the right time to buy, we’ve got insights to keep you ahead. Plus, if you’re planning a renovation, we highlight common mistakes to avoid to ensure your project stays on track.

Lenders have been passing on the Reserve Bank of Australia’s (RBA) cash rate cut and borrowers on variable interest rates may be starting to feel the difference in their repayments. Meanwhile, national housing values have begun edging higher in the wake of the cash rate cut.

February Newsletter

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March Newsletter

How a Redraw Facility Can Help You

If you’re looking to get ahead on your home loan, a redraw facility could be helpful. Find out how this feature might benefit you.

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Is Now a Good Time to Buy?

With interest rates coming down and borrowing power on the rise, the property market is shifting. The latest cash rate cut has sparked new opportunities – but is now the right time for you to make a move?

We break down the key factors, from interest rates to property prices, to help you decide.

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Renovation Mistakes that Could Cost You & How to Avoid Them

A renovation can boost your property’s value, but without the right planning, it could end up costing you more than you expect. Before you start, here are the key mistakes to avoid and smart tips to keep your project on track.

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Staying Ahead in 2025

Whether you’re looking to buy, refinance, or renovate, making informed choices is essential for long-term financial success. Keeping up with market trends and understanding your options can put you in the best position to achieve your goals. If you’d like to discuss any of the topics in this newsletter or need guidance on your next steps, feel free to reach out – we’re here to help!

Contact Us

March Newsletter

February Newsletter

Welcome to Our February Newsletter

In February’s newsletter, we explore the latest property market trends, including the impact of the RBA’s cash rate cut, whether the market has peaked, and key insights for homebuyers and investors. We also break down the pros and cons of fixed vs. variable home loan rates and provide a helpful guide to understanding strata fees. Read on to stay informed and make confident financial decisions!

The Reserve Bank of Australia (RBA) has cut the cash rate, giving homeowners on variable loans some much-needed mortgage relief. Meanwhile, national housing values held steady in January, while regional Australia property prices pushed to new record highs.

February Newsletter

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February Newsletter Aerial view of a suburban neighborhood with homes and tree-lined streets,

Has the Property Market Peaked?

Property prices have fallen in many markets in recent months and rental growth has slowed, so has the property market peaked? And what does that mean for buyers? Find out here.

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A row of small wooden house models placed on a table, with percentage symbols floating above them, representing interest rates and property market trends.

Finding Your Home Loan Rate in 2025

Given the RBA’s cash rate cut, should borrowers opt for a variable home loan rate or a fixed one in 2025? Here’s what you need to know before deciding which is right for you.

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A person using a calculator at a desk with documents and a laptop, symbolizing financial decision-making

A Guide to Strata Fees

If you’re planning to buy a unit, villa, townhouse, or duplex, you may be out of pocket for strata fees. Find out more about these mandatory contributions and how to budget for them.

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A panoramic view of a modern city skyline, with the ocean in the foreground and a vibrant pink and orange sunset in the background.

Staying Ahead in 2025

As the property market continues to evolve, staying informed is key to making the right financial decisions. Whether you’re considering refinancing, purchasing your first home, or exploring investment opportunities, understanding the latest trends can help you plan with confidence. If you’d like tailored advice on your home loan options or strategies to maximize your financial position, contact us today—we’re here to help you navigate your journey with expert guidance.

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February Newsletter

RBA CASH RATE ANNOUNCEMENT

RBA Cash Rate Announcement

February 2025

Good news for Homeowners!

The Reserve Bank of Australia (RBA) has kicked off 2025 with some great news for homeowners. The cash rate has been slashed 0.25 percentage points to 4.10%.

This announcement comes after better-than-expected inflation data showed that inflation is heading towards the RBA’s targets.

RBA Cash A blue infographic displaying the latest cash rate change. It shows an arrow pointing downward, indicating a decrease in the cash rate to 4.10%, with a note stating it has dropped by 25 basis points.

What does this mean for you?

For homebuyers, today’s announcement may improve your borrowing capacity. If you’re considering purchasing a property, this could be the right time to explore your options.

For existing mortgage holders, this change might impact your loan repayments. If you’re unsure how this affects your home loan, reach out to us—we can help you review your current rate and refinancing options.

📌 Read the full statement on the RBA’s website.

A line and bar graph showing Australia's Consumer Price Index (CPI) changes from December 2014 to December 2024. The chart tracks both quarterly percentage changes and annual inflation trends, highlighting significant spikes around 2021-2022 before a downward trend.

How much could you save?

All of the Big Four banks had anticipated today’s decision, and now borrowers will be closely watching lenders to see whether they pass on the cash rate cut.

If the full 0.25% decrease is passed on:

  • Homeowners with a $600,000 loan could save $92 per month.
  • Those with a $750,000 loan could save $115 per month.
  • A $1 million mortgage could see savings of $153 per month.

While banks generally follow cash rate movements, it’s not guaranteed. Make sure to check if your lender is passing on the cut, and if not, it may be time to consider switching lenders.

📌 Check out your savings potential here.

Keeping an Eye on the Market

While the rate cut provides some relief, it’s important to stay updated on economic trends, inflation figures, and lender responses. Not all lenders will pass on the rate cut in full, and some may adjust other fees and charges. Keeping track of these changes ensures you’re making the most of potential savings.

If you’re unsure how this announcement impacts your financial situation, we’re here to help. Reach out today to discuss your loan options and take advantage of this shift in the market.

Property Market Snapshot

A table displaying property market data for various Australian states, including auction clearance rates, private sales, and monthly home value changes. States such as Victoria (VIC), New South Wales (NSW), and Queensland (QLD) are listed, with arrows indicating whether property values have increased or decreased.

Lets Start with a Chat

If you have an existing home loan, review your mortgage to see how it stacks up against the competition. Banks may not always pass on rate cuts in full, so it’s important to keep an eye on their next move.

💬 Need help understanding how this impacts your loan? Contact us today

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Money Solutions Investment Property Guide

Property Investment Guide

Property Investments

Property investments can offer numerous benefits, including additional income, capital growth, and tax deductions. However, buying an investment property requires careful planning, research, and a solid understanding of your financial position. If you’re considering an investment property purchase, here’s a simple guide to help you get started.

Property Investment Guide White letter tiles spelling out the word "INVESTMENT" are arranged in a straight line on a wooden surface, symbolizing financial growth and wealth-building.

Step 1: Formulate an Investment Strategy

Property investing offers various ways to build wealth. Common strategies include:

  • Buying in areas with strong capital growth potential and holding the property long-term.
  • Negatively gearing the property to claim losses against your tax liability.
  • Positively gearing the property for surplus cash flow.
  • Renovating to add value and increase rental income.
  • Flipping properties for profit.
  • Buying off the plan or subdividing.

Your strategy should align with your financial goals, investment timeline and risk tolerance.

Step 2: Set Your Budget

Before browsing properties, it’s important to set a realistic budget. Consider:

  • Initial costs – deposit, stamp duty, legal fees, inspections, and lender fees.
  • Ongoing costs – council rates, insurance, property management fees, and maintenance.

Ensuring you have a financial buffer for unexpected costs can protect your investment.

Step 3: Do Your Research

The key to buying the right investment property is thorough research. Look at factors like:

  • Capital growth potential – is the area expected to increase in value?
  • Rental yield – does the rental income cover the property’s costs?
  • Vacancy rates – are properties renting quickly, or is supply outweighing demand?

Additionally, research infrastructure developments, population growth, and lifestyle factors that may influence property values. Speak to us about our complimentary property market reports for deeper insights.

Step 4: Finalise your Finance

We’ll help you secure the right investment loan tailored to your needs. Investment loans come with different features, such as interest-only periods, fixed vs. variable rates, and offset accounts. Understanding these options will help you choose the best structure for your investment.

If you’re ready to explore your property investment options, contact us today!

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property investment guide

property investment guide

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