Trl Financial Solutions

04/08/2026

Labor told first-home buyers it would help them get into the property market sooner with deposits as low as 5%.

Then, only months later, the Government delivered Budget measures designed to reduce demand for established properties.

That is the contradiction.

One policy encouraged buyers to enter earlier with very little equity.

The next policy sought to make those same properties cheaper for the next group of buyers.

For someone who bought a $700,000 property with a 5% deposit:

• A 1% fall can wipe out around 20% of their starting equity
• A 3% fall can wipe out around 60%
• A 5% fall can erase the entire equity buffer

At the same time, mortgage repayments have increased and refinancing has become harder for highly leveraged borrowers.

This means a buyer who acted on the Government’s promise may now find themselves with less equity, higher repayments and fewer options to move, refinance or invest.

Our latest article explains how Labor’s 5% Deposit Scheme and the latest Budget measures pull in opposite directions—and why recent first-home buyers may be paying the price.

Read the full article here:

https://www.trlfs.com.au/blog/labors-first-home-buyer-contradiction-how-a-5-deposit-can-become-a-financial-trap

This article contains general information only and does not take into account any person’s objectives, financial situation or needs.

Labor encouraged Australians to buy homes with deposits as low as 5%. Learn how rising rates, falling property prices and the Federal Budget may affect recent first-home buyers.

07/09/2023

Our client's success is our top priority. We are honoured to be part of your financial growth and prosperity!

Want to experience the same level of excellence? Contact us today on 📲(07) 5576 5218! and let's create your success story together!

03/09/2023

Do you want to make more informed financial decisions when it comes to your Personal Insurance?

Check out our FREE eBook that gives you industry-leading knowledge on your personal insurance and mistakes you need to avoid!

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01/09/2023

Secure your tomorrow today with smart financial decisions 🛡️

It's never too early or late to start preparing for retirement.

Let's discuss your retirement goals and create a tailored plan for you! Check out our website via the link in our bio to know more.

30/08/2023

Mythbusting; TRL Edition 👀 Let's debunk these myths and uncover the reality:

"Managed funds are for the wealthy"
🚫 They're not just for the wealthy - Managed funds are accessible to investors of all income levels, providing opportunities for everyone.

"There's so much risk involved with Managed Funds"
📉 There are so many diverse risk options - Choose from a variety of risk profiles, aligning your investments with your risk tolerance and financial goals.

"Managed Funds are a long-term game"
⏳ There are many short-term options available - Managed funds cater to both long-term and short-term investment objectives.

Ready to cut through the lies & invest wisely? Come chat with us for the real facts! Reach out today.

24/08/2023

Budgeting is the key to financial freedom, and we've got your back! Follow these simple steps to take charge of your finances.

Comment "START" to learn more about how to take control of your finances ⬇️

21/08/2023

Save Smarter, Live Better!

Follow these 10 simple money-saving tips to boost your savings game 🤑

1. Create a budget and track your expenses.
2. Set specific savings goals.
3. Pay yourself first by saving a portion of your income.
4. Avoid impulse purchases.
5. Cook at home instead of eating out.
6. Limit subscriptions to what you really need.
7. Shop smart, look for sales and discounts.
8. Reduce utility usage (electricity, water, gas).
9. Automate savings with regular transfers.
10. Use cash instead of credit cards for everyday purchases.

We've got your back on the path to financial success!

Contact us now to get personalised financial advice and take control of your financial future!

17/08/2023

Make your money work for you! Invest in your knowledge and become financially free 💰

Are you ready to take the next steps? Check out our website to get started! Link in bio 👆

14/08/2023

Where do I start with Financial Planning? 💡

Here are a few quick steps to take to get a hold on your financial future and achieve your goals! Here are some steps to get you started:

1️⃣ Educate Yourself: Learn about personal finance, budgeting, and investing. Knowledge is power!

2️⃣ Set Clear Goals: Define your short-term and long-term financial objectives. What do you want to achieve?

3️⃣ Create a Budget: Track your income and expenses to understand where your money is going. It's the foundation of good financial planning.

Ready to take charge of your financial well-being?

Join the journey towards financial freedom, contact us today on 📲(07) 5576 5218!

03/08/2023

Are you in control of your finances? 🤔

Discover the benefits of organising your finances for a clearer picture of where your money is going. No more surprises with unexpected expenses! Tracking and organising your finances not only gives you a sense of control but also helps you identify areas for improvement and achieve your financial goals more efficiently.

Take charge of your financial and mental well-being, contact us today!