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
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
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
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 […]
How to Reduce Capital Gains Tax on Shares in Australia: Smart Strategies for Investors
Investing in shares can be a great way to build wealth, but when you sell, you might have to pay capital gains tax (CGT), which could reduce your profits. While avoiding CGT entirely may not always be possible, there are strategies that could potentially reduce it or help manage when it is paid. If you’re […]
More Retirees Are Turning to Reverse Mortgages – Here’s Why
Don’t miss our LinkedIn post where we first shared this exciting update! More and more older Australians are opting to apply for ‘Reverse Mortgages‘. This type of specialty lending offers homeowners the chance to borrow money against the equity of their homes. That equity is used as a security in the loan. Retired boomers are […]
Big Changes at Commonwealth Bank & Westpac – What It Means for Mortgage Brokers
Don’t miss our LinkedIn post where we first shared this exciting update! Some big changes are happening in Australia’s mortgage industry, and if you’re a broker, you’ll want to pay close attention. At Unconditional Finance, we stay on top of industry shifts, giving brokers the insights they need to stay prepared and adapt with confidence. […]