Cash Rate Cut to 3.85%: Are You Paying More Than You Should?
When life’s busy, it’s easy to miss a headline, especially one about the Reserve Bank of Australia (RBA). But if you’ve got a mortgage or you’re thinking about borrowing soon, this one matters. The RBA just cut the cash rate by 0.25%, bringing it down to 3.85%. And while that might sound like another dry […]
Negative Gearing in Australia: Smart Property Strategy or Risk?
Negative gearing in Australia is one of the most talked-about strategies among property investors. You’ve probably heard people mention it alongside words like “tax benefits”, “long-term wealth”, or “smart investment”. But just because it’s popular doesn’t mean it’s right for you. The real question is: does negative gearing align with your goals, your financial situation, […]
Unconditional Finance Takes Out Outstanding Professional Services at the 2025 Local Business Awards – City Suburbs
Last night was one for the books — and guess what? We’re still buzzing with excitement! 🚀✨ Unconditional Finance is beyond thrilled to announce that we’ve been crowned WINNERS of the Outstanding Professional Services category at the 2025 Local Business Awards – City Suburbs! Yep, we did it! 🎉👏🙌 What. A. Night. The City Suburbs […]
Equity Release in Australia: Unlock Your Home’s Value
If you’re a homeowner in Australia, particularly over 60, you may be sitting on a valuable financial resource: your home equity. But what if you’re not ready to sell or downsize? That’s where equity release could come into play, giving you access to that wealth while continuing to live in the home you love. From […]
Using Super to Buy Property in Australia: What’s Actually Allowed?
If you’ve ever asked yourself, “can I use my super to buy a house?”, you’re not alone. As a mortgage broker in Sydney, Unconditional Finance hears this question often, especially from first-home buyers feeling locked out of the market or retirees looking to downsize. Here’s the truth: your super isn’t a free-for-all deposit pool, but […]
Debt Recycling in Retirement: Should You Keep the Loan?
You’ve made it. After years of paying down your home loan, building equity, and possibly implementing a smart debt recycling strategy along the way, you’ve reached a major financial milestone: your mortgage is either gone or nearly gone. And now, a new kind of question emerges. It’s one that isn’t often talked about: This stage […]
Debt Recycling Accelerates Faster for High-Income Australians
If you’re earning a high income in Australia, your ability to build wealth isn’t limited by earnings. It’s limited by strategy. Debt recycling is one of the few approaches that can accelerate mortgage reduction while building an investment portfolio at the same time. And when your income sits in a higher tax bracket, the benefits […]