Finance Industries Australia

All we want for Christmas is…to help you get into your dream home. Higher interest rates might seem like a reason to wait, but here’s why buying a property before rates drop next year could be a good idea: 1. Less competition: High rates deter buyers, meaning less competition and more negotiating power for you 2. Lower prices: Reduced demand often lowers property prices. While demand in Australia remains high, prices have still fallen in many areas, helping you get on the property ladder 3. Prices could rise: Property prices are expected to increase 5.6% in 2025, meaning a $1 million home today could cost you $56,000 more next year 4. Faster mortgage repayment: If rates fall, continuing higher repayments could help you pay off your loan years sooner. #homeownership #Australiaproperty #propertyprices ------------------------ Whether you’re ready to buy now or still considering your options, let us help wrap up the right mortgage to suit your unique needs. Reach out to us on 07 5657 3678 or email [email protected] to discuss your options.

Why not spoil yourself these holidays and drive into 2025 with a new set of wheels? Whether you’re upgrading your family SUV, buying your first car, or treating yourself to something sleek, we can help you secure the right vehicle loan to suit your budget and lifestyle. Here’s how to get started: * Know your budget: what can you comfortably afford? * Compare loan options: interest rates, terms and fees matter (but we can help you with that) * Consider your future: Plan repayments that work for you (we can help with this too) The right finance can get you on the road faster – and smarter. According to the latest data from the Federal Chamber of Automotive Industries, Toyota is still the vehicle brand of choice for Australians, with more than 222,000 purchases in the year to November. Ford and Kia have been the second and third most popular choices this year. #vehicleloans #newcar #Toyota ------------------------ If you would like to secure a vehicle loan to buy a new car in 2025, we can help. Contact us on 07 5657 3678 or email [email protected] to discuss your options.

As the year wraps up, we want to let you know that our office doors will be closed from 18 December to 5 January, but we’re still working behind the scenes. If you've already submitted your application, rest assured we're keeping things moving over the holiday period and will keep you updated. We’ll be back to our normal hours from 6 January, ready to make 2025 a year of opportunity for your home, vehicle or investment goals. Wishing you a happy and safe holiday season. #homeloans #homeownership #refinancing ------------------------ Thinking about buying or financing in 2025? We’re still here to help. Just give us a call on 07 5657 3678 or email [email protected] to discuss your options.

A cash rate cut in mid-2025 could increase demand for property and improve market conditions in the second half of the year, but there will still be considerable diversity in housing market performance, according to CoreLogic. Melbourne and Hobart, for example, may see a subtle rise in value off the back of increased affordability, while the demand shock that has created strong price growth in the likes of Perth and Adelaide may start to ease. In its ‘Best of the Best 2024’ report, CoreLogic says this will be underscored by household and private sector responses to recent capital growth trends. “Across Melbourne and Hobart, new listings through spring 2024 were lower than the same time last year, with sellers potentially holding back amid soft market conditions, helping to curtail supply.” Should weak housing trends emerge at the start of 2025, most households “should be well-placed” to hold their property off the market until selling conditions improve. In addition, subdued levels of new housing construction are expected to continue into 2025, possibly helping to keep a floor under home values. #homeownership #Australiaproperty #propertyprices ------------------------ If you want to buy a property during the short-term slowdown in price growth – and before prices start rising in 2025 – we can help you get a home loan. Give us a call on 07 5657 3678 or email [email protected] to find out how.

Elevated interest rates and affordability challenges have seen more buyers flocking to more affordable property markets in 2024, particularly those on Perth’s fringe. CoreLogic head of research Eliza Owen said this has seen the capital dominating the national list of best-performing suburbs, taking out all top 10 spots for the strongest growth in house values. All suburbs on the list recorded growth of 30% and higher in the 12 months to November. “The top growth house markets were all located in Perth, and half of the suburbs had a median house value below $661,000, which is the 25th percentile house value nationally.” In addition, the top growth unit markets were located across Perth, Brisbane and Adelaide – and each of the top 10 had a median unit value below $600,000. Through the year to November, the bottom quartile of national market values rose 10.3%, “far outperforming” the middle of the market and upper quartile of home values, where stretched affordability may have constrained further growth, she said. This trend was consistent across most housing markets over the course of the year. #Australiaproperty #homeownership #homeloans ------------------------ No matter where you wish to buy a property in 2025, we can help you secure finance. For personalised service and a quick assessment, get in touch with us on 07 5657 3678 or email [email protected].

Should you buy or lease your business equipment? This is a question many businesses face when looking to grow or upgrade. And while leasing offers lower upfront costs and flexibility, buying often delivers greater long-term value. Here’s why buying could be the smarter choice for your business: * Long-term savings: While leasing may save you money upfront, buying means you avoid ongoing lease fees and interest. Once it’s yours, it’s yours. * Ownership benefits: Purchased equipment can be resold, used as collateral or even depreciated for tax benefits. * No contracts: When you own your equipment, you are not restricted by lease agreements. Leasing does have its perks, but if you’re planning for long-term growth, ownership of your equipment could be the better move for your business. #equipmentfinance #smallbusinesses #assetfinance ------------------------ If you are looking to upgrade your business equipment, expand your fleet or set up shop, we can help you secure equipment finance. Reach out to us on 07 5657 3678 or email [email protected] to find out how.

National property prices are likely to rise between 1% and 4% next year, although some capital city markets could see significantly higher growth, according to SQM Research. This forecast is based on interest rates dropping by 0.25 or 0.50 percentage points in mid-2025, stimulating home buyer demand across the country. If the above scenario plays out – along with continuing population growth above 500,000 and no inflationary outbreaks – Perth, Brisbane, Adelaide and Darwin are expected to outperform the national average. Perth is forecasted to record dwelling price rises as high as 19% while Brisbane and Adelaide could see growth up to 14% and 15% respectively. In Darwin, prices could increase as much as 8%. Meanwhile, the outlook for both Sydney and Melbourne is that prices will fall between 1% and 5%. Canberra, however, is expected to see the largest fall in dwelling prices, with declines between 2% and 6%. #propertyprices #interestrates #pricegrowth ------------------------ If you would like to secure a home loan that offers you real solutions and not just a competitive interest rate, contact us on 07 5657 3678 or email [email protected] to discuss your options.

Prime locations, coastal living and home luxuries are some of Australia’s most sought-after property features, according to Domain. Analysis of property buyers’ keyword searches in 2024 reveals that, despite ongoing affordability challenges, certain luxuries remain priorities. ‘Pool’ retains the top spot while ‘view’ climbed to third place; ‘water view’ – which was not one of the top 20 most in-demand property features last year – has surged into eighth place on 2024’s list. Prime real estate also continues to dominate buyer interest, with ‘waterfront’ rising to third place and ‘beach’ moving up to sixth. The growing desire for such property features emphasises the appeal of coastal living, Domain reports. Granny flats also remain highly sought-after features, with this term remaining in fourth place. While this reflects tight rental markets and a growing interest in side incomes, additional workspaces or multigenerational living, searches for ‘study’ have dropped to seventh place this year from second in 2023, “suggesting a shift in work-from-home trends as more workers return to the office”. #Australiaproperty #homeownership #propertysearch ------------------------ Whatever you are looking for in a home, and wherever you wish to buy, we can help you secure finance. To discuss your options, give us a call on 07 5657 3678 or email [email protected].

Australian consumers are still reluctant to switch to electric vehicles (EVs), but are increasingly willing to make the move to hybrids. While Federal Chamber of Automotive Industries (FCAI) data for November shows that EV sales were, once again, disappointing, hybrid and plug-in hybrids accounted for 16.9% of sales. This is an increase from 9.9% a year ago. FCAI chief executive Tony Weber said the Australian experience with EVs was similar to many markets overseas, such as Europe, New Zealand and the USA. “Car makers are responding to regulatory settings that mandate an increase in the number of zero-emission vehicles by introducing new products. However, consumers remain cautious about making the shift to pure EVs and, instead, are purchasing hybrid or plug-in hybrid vehicles.” The automotive industry will, therefore, continue introducing wider ranges of more affordable, low-emission vehicles while working alongside governments to address challenges such as recharging infrastructure. This is “critical to building consumer confidence for the transition to low emission vehicles”, Weber said. #vehicleloans #carsales #EVs ------------------------ Are you thinking about buying an EV or hybrid vehicle? Or perhaps you’d rather stick with a fuel-powered car? Either way, we can help you secure finance to purchase your new set of wheels. For personalised service and a quick assessment, get in touch with us on 07 5657 3678 or email [email protected].

Most of Australia’s capital cities will have a median house price above $1 million by the end of 2025, according to Domain chief of research and economics Nicola Powell. Despite a “massive slowdown” in property price growth this year – and expectations of weaker housing conditions in the first six months of 2025 – house prices across each capital are predicted to increase, especially during the second half of the year when interest rates are expected to fall. By the end of 2025, the median capital city house price is forecast to have risen 5% to 7% to $1.213 million. Perth is predicted to lead the growth, with prices climbing 8% to 10% to $984,000. However, the fact that the median house price in almost all major capitals will be higher than $1 million is one of the “most confronting changes” for buyers – and Perth’s median will be only slightly below this figure. #houseprices #homeownership #Australiaproperty ------------------------ Whether you’re looking to buy a property at the beginning or end of 2025, we can help you secure finance. Our very experienced team can offer you real solutions, not just the most competitive rates. To discuss your options, give us a call on 07 5657 3678 or email [email protected].