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Steps to Buying Your First Home: A Complete Guide

Steps to Buying Your First Home A Complete Guide

Buying your first home is a huge milestone, but let’s be real, it can also feel pretty overwhelming. With so much to think about, from saving for a deposit to getting a home loan and covering extra costs, it is easy to feel lost in the process. The good news? Unconditional Finance is here to […]

Mortgage Broker for First-Home Buyers in Australia

Mortgage Broker for First-Home Buyers in Australia

Buying a first home is exciting, but the loan process can feel overwhelming. With so many lenders, loan types, and government incentives, it’s easy to get lost in the details. A mortgage broker can simplify the process—helping buyers compare loans, understand terms, and improve their chances of securing approval with confidence. In this guide, Unconditional […]

Tips to Avoid Capital Gains Tax on Investment Property in Australia

Australia’s Capital Gains Tax (CGT) on investment property can significantly impact your profits when selling, with rates depending on your income tax bracket. Typically, CGT is applied at the same rate as your income tax, with individuals in the higher tax brackets paying up to 45% on their capital gains. Fortunately, there are legal strategies […]

When to Refinance Your Mortgage: A Complete Guide

When to Refinance Your Mortgage A Complete Guide

Refinancing a mortgage is a significant financial decision that could impact your home loan repayments, financial flexibility, and overall wealth-building strategy. But the question remains—when is the right time to refinance? For Australian homeowners, refinancing could provide opportunities to get a lower interest rate, reduce monthly repayments, access home equity, or consolidate debt. However, timing […]

First Home Buyer Grants & Incentives

First Home Buyer Grants & Incentives

Owning a home in Sydney is a dream for many, but rising property prices and high upfront costs can make it challenging. Fortunately, there are several government grants and incentives that may help first-home buyers enter the property market with lower deposits, reduced stamp duty, and financial assistance. If you’re a first home buyer in […]

How to Future-Proof Your First Home Loan Against Rate Rises and Market Shifts

How to Future-Proof Your First Home Loan Against Rate Rises and Market Shifts

Buying your first home is an exciting milestone, but securing a home loan for first-time buyers isn’t just about getting approved—it’s about ensuring that your mortgage remains affordable and manageable in the years ahead. Home loan interest rates in Australia fluctuate based on economic conditions, and recent shifts in the market highlight the importance of […]

Interest Rates Drop to 4.1% – Homeowners & Investors Take Note

Interest Rates Drop to 4.1% – Homeowners & Investors Take Note

The RBA interest rate cut of 0.25% has lowered the cash rate to 4.1%, marking the first interest rate reduction since the early pandemic era. This shift comes after a period of elevated interest rates aimed at curbing inflation, and it could offer some financial relief to Australian borrowers, depending on their circumstances. RBA Governor […]