The Finance Circle

03/06/2026

🏢 Unit versus house, what's your preference? 🏡⁣
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Two of the main advantages of apartments are low-maintenance lifestyle and greater affordability. ⁣
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Houses and their associated land, on the otherhand, usually provide greater capital gains, according to Cotality data. ⁣
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But you've got to start somewhere...⁣
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The median unit price across state capitals is $749,446. 📊⁣
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That’s 34% less than the median house price of $1,140,454. 🏡⁣
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The $391,000 price difference could help you bring forward your home buying plans. ⏩⁣
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And if you’re a first home buyer, you may only need a 5% deposit to get started. 👇⁣
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To find out more, DM us or contact the Finance Circle Team on:

☎️ – 02 4629 7154
💻 – [email protected]

01/06/2026

🐜 Pre-purchase pest inspections may have just became more important 🐜⁣
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Across large parts of Australia the end of summer was hot and humid.⁣
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Perfect conditions for termites.⁣
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A Domain report reveals a 30% uptick in termite-related calls to pest companies. 📈⁣
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Getting rid of termites can be expensive. ⁣
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And the damage they leave behind may not be covered by insurance. ⚠️⁣
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For homebuyers, this highlights the value of a pre-purchase pest inspection, which can cost just upwards of $150. ⁣
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Or get a combined pest and building inspection to cover both bases. 🧾⁣
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Contact us to learn more about the steps you should consider when buying a home. 👇⁣
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To find out more, DM us or contact the Finance Circle Team on:

☎️ – 0433 775 113
💻 – [email protected]

28/05/2026

A few tweaks to a popular first home buyer scheme has driven a “surge” in Gen Zs buying their first home. And it’s not the only upside giving first home buyers a boost now. 🚀

A few tweaks to a popular first home buyer scheme has driven a “surge” in Gen Zs buying their first home. And it’s not the only upside giving first home buyers a boost now.

27/05/2026

📉 Rate hikes have reshaped home owner plans 📉⁣
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Higher rates are seeing many Australian families knuckle down to pay off their home loan sooner. 💪⁣
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Research by Agile Market Intelligence shows 72% of mortgage holders now say debt reduction is their main financial goal. ⁣
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If you’re keen to double down on your home loan, talk to us. ⁣
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We can explain small steps that could potentially make a big difference. ⁣
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Or ask us about a home loan health check. 🩺⁣
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Potentially switching to a lower rate home loan could be a way to get ahead with your mortgage. 👇⁣
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To find out more, DM us or contact the Finance Circle Team on:

☎️ – 02 4629 7154
💻 – [email protected]

25/05/2026

🧠 First home buyers are taking smart steps to get into the market 🧠⁣
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Buying a first home is no longer defined by a single pathway. 🏡⁣
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First home buyers are using smart strategies to get into the property market. ⁣
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CommBank data shows 6 in 10 are teaming up with a co-buyer, a spouse, friend or family member. 🤝⁣
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Others are using the 5% Deposit Scheme. ⁣
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Some first timers are heading to regional areas for better affordability. 🌄⁣
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What will your strategy look like? 🤔⁣
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You could potentially combine all three! 🚀⁣
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Call us to know the options that can help you become a first home owner. 👇⁣
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To find out more, DM us or contact the Finance Circle Team on:

☎️ – 02 4629 7154
💻 – [email protected]

21/05/2026

It was great while it lasted, but the rate cut party is well and truly over. Today we look at how you could potentially reduce your home loan interest rate without relying on the Reserve Bank. 🏡

It was great while it lasted, but the rate cut party is well and truly over. Today we look at how you could potentially reduce your home loan interest rate without relying on the Reserve Bank.

20/05/2026

📈 Property investor activity is the highest it's been in years 📈⁣
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Across Australia, more new home loans are going to investors. 🏡⁣
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That’s the word from PropTrack. 📊⁣
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It says rising investor activity is being driven by low vacancies, a tight rental market and rapid rent increases. 🔥⁣
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Strong growth in home prices saw more than 93% of recent investor sales turn a profit. 💰⁣
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That’s the highest level in a decade. ⁣
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Property investors may also be able to make interest-only payments. 💡⁣
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That can be a real plus for cash flow. ⁣
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Talk to us about potentially using your home equity in lieu of a cash deposit to buy a rental property. 👇⁣
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To find out more, DM us or contact the Finance Circle Team on:

☎️ – 02 4629 7154
💻 – [email protected]

18/05/2026

🏡 The big advantage of owning rather than renting 🏡⁣
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They say rent money is dead money (unless you're the one collecting it!) 😅⁣
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And while not everyone is in a position to own their own home just yet, a recent Cotality report shows there are still locations where it can be cheaper to buy an apartment than rent. 📊⁣
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In inner Melbourne, and some suburbs in Darwin and the ACT, it can be cheaper to buy, rather than rent, a unit. 🏢⁣
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There can also be minimal differences between rent and loan repayments in parts of Sydney, Adelaide and Perth. ⁣
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But home ownership isn’t just about rent versus mortgage payments. ⁣
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Home owners can also potentially benefit from property price growth, the freedom to add value through renovations, and the personal rewards of saying “I own this”. 🏠⁣
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Talk to us about jumping off the rental merry-go-round and becoming a home owner. 👇⁣
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To find out more, DM us or contact the Finance Circle Team on:

☎️ – 02 4629 7154
💻 – [email protected]

14/05/2026

Reforms to negative gearing and capital gains tax have been unveiled in the latest national budget. Here’s what they could mean for investors, first home buyers and home owners. 🏘️

Reforms to negative gearing and capital gains tax have been unveiled in the latest national budget. Here’s what they could mean for investors, first home buyers and home owners.

13/05/2026

🌏 What's the best city in Australia to raise a family 🌏⁣
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Compare the Market has ranked the best 50 cities globally to raise a family. ⁣
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Hats off to Brisbane, which topped the list, by a solid margin! 🏆⁣
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London and Auckland took out 2nd and 3rd place. 🥈🥉⁣
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Sydney made the top five, ranking fifth. 📍⁣
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Other major Australian cities like Perth ranked sixth, and Melbourne ranked seventh. 📈⁣
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But hey, we're pretty spoilt for choice here in Australia.⁣
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No matter where you’re planning to raise a family, having a home loan that suits your needs can play a key role in putting down roots. 🏡⁣
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Talk to us about a home loan that can let your family find a cosy nest. 👇⁣
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To find out more, DM us or contact the Finance Circle Team on:

☎️ – 02 4629 7154
💻 – [email protected]