Excel Financial Solutions

15/08/2026

30/07/2026

🚨 **GOOD NEWS FOR AUSTRALIAN MORTGAGE HOLDERS!** 📉🏡

Australia's latest inflation figures have delivered some welcome relief, with **annual inflation easing to 3.8%**, down from **4.0%** last month. While inflation remains above the Reserve Bank of Australia's target range, the softer-than-expected result has significantly reduced expectations of another interest rate increase in the near term.

# # # What does this mean for you?

✅ The likelihood of an interest rate rise at the next RBA meeting has fallen sharply.

✅ Existing homeowners can breathe a little easier, with fewer concerns about higher mortgage repayments.

✅ Home buyers may gain greater confidence knowing borrowing costs are expected to remain stable for now.

⚠️ **However, don't celebrate just yet.** Underlying inflation remains elevated, and the RBA will continue monitoring economic data closely before considering any future rate cuts. The cash rate remains at **4.35%**, and any reduction in interest rates is likely to depend on continued progress in bringing inflation back within the RBA's 2–3% target range.

💡 **Now is the perfect time to review your home loan.**

Many lenders are still offering competitive refinance options that could help reduce your repayments or improve your loan structure.

📞 **Speak with the experts at Excel Financial Solutions**

✔ Home Loans
✔ Refinancing
✔ Investment Loans
✔ SMSF Lending
✔ Business Finance

🌐 [www.excelfs.com.au](http://www.excelfs.com.au)
📞 1300 300 759

*The right advice today could save you thousands over the life of your loan.*

30/06/2026

WARNING: Don't Rush into Setting Up an SMSF

Recent media reports indicate proposed legislation may prohibit SMSFs from borrowing to acquire residential property in the future. As a result, many of us are rushing to establish SMSFs before any
proposed changes become law.

While acting early can be sensible, rushing into an SMSF without proper planning can create significant financial, taxation and compliance risks.

Important: Even if an SMSF is established within one or a few hours and an ABN appears as 'Active', this does not necessarily mean the fund is recognised as a complying superannuation fund. The Australian Taxation Office (ATO) generally requires time (often up to 28 days) to finalise the fund's complying status.

Until the SMSF is recognised as a complying fund, most APRA-regulated superannuation funds will not roll over your superannuation balance. Without the rollover being completed, the SMSF may not have sufficient funds to settle a property purchase before any legislative changes take effect.

Other dangers of rushing include:
• Choosing an inappropriate trustee structure.
• Errors in trust deeds or borrowing documentation.
• Inadequate investment strategy or insurance consideration.
• Delays in finance approval, legal documentation and settlement.
• Increased risk of breaching superannuation laws.
• Buying property due to time pressure instead of suitability for retirement objectives.

Take your time and seek professional advice. An SMSF is a long-term retirement structure and should never be established solely because of fear of missing out on a proposed legislative change.
Professional advice should always be obtained before making any decision.

However this article is not to discourage anyone from setting up SMSF and buy a property before proposed legislation, but instead it is a reminder to do due diligence before setting up and see the dangers of over promises. You will be still able to buy commercial properties. This is general information only and does not take into consideration your personal financial situation and should not be regarded as advice.

12/05/2026

Key Budget Announcements
1. Negative Gearing Changes

The biggest announcement is that negative gearing will largely be restricted to newly built properties only for investments purchased after Budget night.

What this means:
Existing investors keep current benefits (“grandfathered”).
Future investors buying established homes may lose negative gearing tax deductions from July 2027.
New builds remain eligible to encourage construction.
Impact:
For Property Owners / Investors
Existing investors are mostly protected.
Investors may shift toward:
new developments
house & land packages
off-the-plan properties
Established investment property demand may soften.
For First Home Buyers
Less investor competition for established homes.
Potentially slower property price growth.
Easier entry into the market over coming years.
2. Capital Gains Tax (CGT) Reform

The Government announced major CGT changes.

Current system:
Investors receive a 50% CGT discount after holding property for 12 months.
Proposed change:
The 50% discount will move to an inflation-adjusted indexation model.
A minimum 30% tax on gains is also proposed.
Impact:
Investors
Lower after-tax profits on future property sales.
Property becomes less attractive purely for speculative investing.
Long-term wealth strategy becomes more important.
First Home Buyers
Government hopes this reduces investor demand and price pressure.
3. More Housing Supply Funding

The Budget includes:

$2 billion Local Infrastructure Fund
Funding for roads, sewerage, utilities and housing infrastructure
Support for approximately 65,000 new homes nationally.
Impact:
More land supply
Faster housing developments
Strong opportunities in growth corridors and regional areas
4. Foreign Investor Restrictions Extended

The ban on foreign investors purchasing existing residential properties has been extended until 2029.

Impact:
Less competition in established housing markets
Supports local buyers
Winners & Losers
Winners
First home buyers
New home builders/developers
Construction sector
Buyers targeting house & land packages
Regional growth areas
Potential Losers
Future investors buying established properties
High-income investors relying on tax benefits
Short-term speculative investors

05/05/2026

📈 **RBA Rate Update – What It Means for You**

The Reserve Bank of Australia has increased the cash rate by **0.25%**, moving from **4.10% to 4.35%**.

💡 **What does this mean?**

* Higher mortgage repayments for homeowners
* Increased pressure on household budgets
* Potential impact on borrowing capacity
* Opportunities for smarter financial planning

At **Excel Financial Solutions**, we help you stay ahead of rate changes and make informed financial decisions.

✅ Review your home loan
✅ Reassess your financial strategy
✅ Explore better options tailored to you

📞 Get in touch today to understand how this rate rise affects you and what you can do next. call 1300 300 759