Thrive Lending Group

A quieter property market could give prepared buyers an opening.

With auction volumes and mortgage pre-approvals down, some buyers may find more room to negotiate. Fewer listings can also mean fewer choices, so preparation still matters.

That’s where we come in.

We help you understand your borrowing capacity, compare lenders, work through your pre-approval and set a budget that leaves room for life after settlement.

So when the right property comes along, you can make an informed decision with a clear understanding of your finances.

You don’t need to predict the market. You need a plan that works for you.

Thinking about buying this spring? Send us a DM and let’s work out where you stand.



*General information only. Pre-approval is conditional and does not guarantee final approval. Lending criteria, fees and conditions apply.*

Buying in a falling market isn’t automatically smart, or dangerous.

The real question is whether your financial position can handle the property moving lower after you buy.

For buyers using a smaller deposit, that means looking beyond the purchase price and understanding:

• How much cash remains after settlement
• Whether repayments remain comfortable
• How long you realistically plan to hold the property
• How reduced equity could affect refinancing or selling
• Whether your loan structure gives you enough flexibility

The goal isn’t to perfectly time the bottom of the market. It’s to buy with a strategy that can withstand different outcomes.

CBA’s forecast is not a guarantee, and individual properties will perform differently.

Thinking about buying with a 10% deposit? Send us a DM before deciding how much of your savings to commit.



*General information only. Figures and forecasts are illustrative and are not predictions of individual property performance. Lending criteria, fees and conditions apply.*

Inflation fell in July, but the detail matters.

Headline inflation eased from 3.8% to 3.5%. However, underlying inflation remained unchanged at 3.6%, still above the RBA’s 2–3% target range.

That doesn’t guarantee another rate rise, but it does mean the risk has increased.

For borrowers, this is a good time to understand:

• The rate you’re currently paying
• Whether your loan remains competitive
• How your repayments would respond to another increase
• Whether your budget has enough breathing room

Don’t wait for the next RBA announcement to find out where your loan stands.

Send us a DM to set up a time to review your position and understand the options available to you.

$340 a week!

According to modelling from Everybody’s Home, that could be all that remains for a single Sydney worker earning $70,000 after paying the median unit rent of approximately $756 per week.

From that $340 still comes groceries, utilities, transport, emergencies and somehow, a future home deposit.

It highlights the challenge facing many first-home buyers: saving a deposit while rent continues to consume a significant portion of their income.

Buying may feel distant, but your plan doesn’t have to be. Understanding your borrowing position, available deposit options and a realistic timeline is the right place to start.

Send us a DM and let’s work through the numbers.

There’s no better proof than hearing it directly from the people we’ve helped. 🙌

At Thrive, we’re here for more than just one loan or one transaction. For many of our clients, the relationship grows over time — from property and business lending to car finance and ongoing advice across a range of financial decisions.

That’s exactly what these reviews reflect.

Whether it’s helping someone into their next property, supporting a business opportunity, or simply being there to provide the right advice when it’s needed, our focus is always the same: make finance clearer, simpler and easier to navigate.

A huge thank you to our clients for continuing to trust the Thrive team with the big decisions along the way. 💙

Sydney property prices could fall by as much as 14.5% from peak to trough, according to ANZ, but is that an opportunity or a warning? 🏡

For finance-ready buyers, lower prices and reduced competition could create room to negotiate. However, the purchase price is only part of the equation. Your borrowing capacity, deposit, loan structure and starting equity position still matter, particularly when buying with a smaller deposit.

A changing market doesn’t mean you need to stop looking. It means preparation matters more than ever.

Before making your next move, speak with the team and understand what the numbers mean for your situation.



*The 14.5% figure is an ANZ forecast, not a guaranteed outcome. Property-value examples shown are illustrative only.*