Tracey Franco
Waiting for Lower Rates? Factors Perth Property Buyers Should Consider
Many Australians follow interest rate announcements closely. When rates rise, buyers often wonder whether they should wait before purchasing property. When rates pause, many start asking whether cuts may be coming next. It is understandable. Interest rates influence borrowing capacity, repayments, and confidence across the property market. However, focusing only on future rate movements may…
Construction Loan Progress Payments: What Most Buyers Miss
Building a home is different from buying an established property. Instead of receiving the full loan amount at settlement, funds are released in stages as construction moves forward. Understanding construction loan progress payments Australian borrowers commonly encounter may help you prepare for each stage of the building process and understand how funds are released throughout…
Why Some Business Loan Applications Are Approved and Others Are Declined
Access to finance can play an important role in business growth. Whether you are purchasing equipment, expanding operations, improving cash flow, or investing in new opportunities, business funding may provide access to additional capital when required. However, many business owners are unsure what lenders assess when reviewing an application. Understanding the business loan application requirements…
Perth Winter Property Market: What Buyers Need to Know About Lending Conditions
Winter is often viewed as a quieter period in the property market. Fewer homes may be listed for sale, and some buyers choose to delay their plans until spring. However, winter can still present opportunities for buyers, homeowners, and investors who understand current market conditions. More than just the weather influences winter property activity in…
Renovation Loans vs Refinancing: Which Option May Suit Your Renovation Plans?
Many homeowners reach a point where their current home no longer meets their needs. Perhaps the kitchen feels outdated. Perhaps the family has grown, and additional space is now needed. Some homeowners want to improve outdoor living areas, while others are planning a major extension. When renovation plans start taking shape, one of the first…
WA First Home Buyer Stamp Duty Concessions Explained
Buying your first home is an exciting milestone. It can also come with a range of upfront costs that many buyers do not expect. One of the highest costs is stamp duty. In Western Australia, eligible first home buyers may be able to access stamp duty concessions or even a full exemption in some circumstances.…
How Interest Rates and Lender Policies Can Affect Your Borrowing Capacity
If you’ve been thinking about buying a home, investing in property, or refinancing, you’ve probably heard plenty about interest rates. When interest rates move, many people focus on how their repayments may change. While that is important, there is another factor that often gets overlooked. Interest rate changes may also affect your borrowing capacity. Your…
Autumn Property Market Activity in Perth: What to Know
Autumn is often seen as a steady period in the property cycle. The pace of the market may shift after the summer months, and buyers and sellers adjust their expectations. In Perth, seasonal changes can influence how people approach property decisions. Market activity does not stop, but the focus often becomes more measured. If you…
Offset Accounts vs Redraw Facilities: What They Mean for Your Home Loan
When choosing a home loan, most people focus on interest rates and repayments. However, loan features can also play an important role over time. Two features often discussed are offset accounts and redraw facilities. These tools are designed to interact with your loan balance in different ways. Understanding how they work can help you make…
How to Invest in Property Using Your SMSF in Perth
Self-managed super funds have become more common in Australia, with many people looking for greater control over how their retirement savings are invested. One option some SMSF trustees explore is property, although whether this is appropriate depends on the fund’s investment strategy, risk profile, liquidity and compliance obligations. However, using super to invest in property…