Adira Finance Group

🏠 WHAT IS A MORTGAGE OFFSET ACCOUNT?

An offset account is a transaction account linked to your home loan. The balance in the account can reduce the amount of your mortgage that is used to calculate interest.

For example, if you have a $500,000 home loan and $20,000 in a 100% offset account, interest may be calculated on $480,000 rather than $500,000.

The money in your offset account remains accessible for everyday expenses, bills and emergencies, subject to your account terms.

But an offset isn't automatically the best option for everyone. Some loans with offset features may have higher interest rates or fees, so it's important to compare the potential benefit with the cost.

💡 Thinking about refinancing or choosing a new home loan? Don't just compare the interest rate — consider the features that could work for your financial situation.

Speak with Adira Finance Group about your options.

☎️ (02) 8609 9911
📧 [email protected]
📍 2B 146 Marsden St, Parramatta NSW 2150
📍 C48/24-32 Lexington Dr, Bella Vista NSW 2153
💻 www.adirafinance.com.au

🏦 IMPORTANT UPDATE FOR SUNCORP BANK CUSTOMERS

Suncorp Bank customers are being advised that their banking will move to ANZ as Suncorp Bank becomes ANZ.

So, what does this mean for you?

👉 There is no change for customers at this stage.

Until your account moves to ANZ, you’ll continue to be supported by Suncorp Bank. Customers will receive further information and updates as each step of the transition progresses.

Following the move, customers will also benefit from ANZ’s anti-fraud technology, designed to help identify suspicious activity.

🏠 HAVE A SUNCORP HOME LOAN?

This could also be a good time to review your current home loan and make sure it continues to suit your needs.

Whether you’re considering:
🔹 Refinancing
🔹 Buying a new home
🔹 Accessing your equity
🔹 An investment property
🔹 Reviewing your current interest rate

We can help you understand your lending options.

📲 Have questions about your home loan? Get in touch with us today.

📞 (02) 8609 9911
📧 [email protected]
📍 2B 146 Marsden St, Parramatta NSW 2150
📍 C48/24-32 Lexington Dr, Bella Vista NSW 2153
🌐 www.adirafinance.com.au

Stay informed and always check official Suncorp Bank communications for updates about the move to ANZ.

*Lending criteria, fees, charges and conditions apply. Loans subject to lender approval.*

🏠 Could Your Home Loan Rate Rise Again Before Christmas?

With interest rates and the cost of living still putting pressure on Australian households, there is renewed discussion about whether rates could move higher again before the end of the year.

While no one can predict the RBA’s next decision with certainty, now is a good time to review your home loan and make sure you’re prepared for different scenarios.

Here are a few things you can consider:

✅ Review your current interest rate
✅ Check whether a more competitive loan is available
✅ Understand how a potential rate rise could affect your repayments
✅ Consider whether refinancing or restructuring could help
✅ Review your budget before making your next property decision

You don’t have to wait for rates to change before taking action.

Speak with the team at Adira Finance Group to discuss your options and see what may work for your situation.

📞 (02) 8609 9911
📧 [email protected]
📍 2B 146 Marsden St, Parramatta NSW 2150
📍 C48/24-32 Lexington Dr, Bella Vista NSW 2153
🌐 www.adirafinance.com.au

💙 HAPPY FATHER’S DAY FROM ADIRA FINANCE GROUP 💙

Today, we celebrate the incredible dads and father figures who work hard, support their families and help build a brighter future.

Thank you for the love, guidance, strength and countless sacrifices you make every day.

Wishing all the amazing fathers, grandfathers and father figures a very Happy Father’s Day! 👔🏡

From all of us at Adira Finance Group

📞 (02) 8609 9911
🌐 adirafinance.com.au

⭐ Client Review Spotlight ⭐

We love helping our clients achieve their property goals, and we're grateful for the trust they place in us.

Thank you J Singh for sharing your experience with Adira Finance Group

"Mayank from Adira finance group helped us with our first home, we met him a few years back through a friend, he guided us through the process and all settled in a timely manner. Very happy and satisfied with the service and experience of the team. Highly recommend! Best broker in town." ⭐⭐⭐⭐⭐

At Adira Finance Group, our focus is on providing personalised guidance, clear communication, and tailored lending solutions to make your home loan journey as smooth as possible.

Whether you're buying your first home, refinancing, or exploring your finance options, our team is here to support you every step of the way.

📞 Looking for trusted mortgage advice? Get in touch with Adira Finance Group today.

☎️ (02) 8609 9911
📧 [email protected]
📍 2B 146 Marsden St, Parramatta NSW 2150
📍 C48/24-32 Lexington Dr, Bella Vista NSW 2153
💻 www.adirafinance.com.au

🏠 WHAT IS RENTAL YIELD — AND WHY IS IT IMPORTANT?

If you're considering an investment property, rental yield is one of the key numbers to understand.

Rental yield measures the rental income a property generates compared with its value or purchase price. It can help investors compare potential properties and assess their rental income potential.

There are two main types:

💰 Gross Rental Yield
Looks at the annual rental income before property expenses.

📊 Net Rental Yield
Takes relevant ongoing costs into account, giving you a clearer picture of the property's income performance.

For example, a property renting for $600 per week and purchased for $600,000 would generate $31,200 in annual rent — a gross rental yield of 5.2%.

But remember: a higher rental yield doesn't automatically mean a better investment. You also need to consider expenses, vacancy periods, financing costs, location, potential capital growth and your overall investment strategy.

📌 Looking at an investment property? Know the numbers before you buy.

☎️ (02) 8609 9911
📧 [email protected]
📍 2B 146 Marsden St, Parramatta NSW 2150
📍 C48/24-32 Lexington Dr, Bella Vista NSW 2153
💻 www.adirafinance.com.au

🏠 NEGATIVE GEARING IN PROPERTY: WHAT DOES IT ACTUALLY MEAN?

Negative gearing is a property investment strategy that many Australian investors have heard about — but what does it really mean?

In simple terms, a property is negatively geared when the eligible expenses associated with owning the investment property are higher than the rental income it generates.

For example, expenses such as loan interest, property management, maintenance and other eligible costs may exceed the rental income.

📌 Why do investors consider it?

Potential tax deductions may be available for eligible investment expenses, subject to Australian tax rules. However, negative gearing doesn't automatically mean an investment is profitable.

Investors should also consider:

🏠 Property value and potential capital growth
💰 Rental income and vacancy periods
📊 Loan interest and other costs
🧾 Tax implications
📈 Overall investment strategy

The important point: a tax deduction doesn't turn a loss into a profit.

Before making an investment decision, consider your overall financial position and seek appropriate professional tax and financial advice.

Thinking about property finance?

☎️ (02) 8609 9911
📧 [email protected]
📍 2B 146 Marsden St, Parramatta NSW 2150
📍 C48/24-32 Lexington Dr, Bella Vista NSW 2153
💻 www.adirafinance.com.au

🏡 HOW TO AVOID THIS COMMON HOME BUYER TRAP

Buying a home is exciting, but focusing only on the advertised purchase price can be a costly mistake.

Before making an offer, remember to look beyond the property price and consider the full cost of buying.

💰 Deposit
📋 Stamp duty and government charges
🔍 Building and pest inspections
⚖️ Conveyancing/legal costs
🏦 Loan and lender costs
🏠 Ongoing ownership expenses

A property may fit your budget on paper, but the additional costs can make a big difference to what you can comfortably afford.

The best approach? Know your numbers before you fall in love with the property. 🔑

Thinking about buying your next home? Speak with Adira Finance Group about your finance options.

☎️ (02) 8609 9911
📧 [email protected]
📍 2B 146 Marsden St, Parramatta NSW 2150
📍 C48/24-32 Lexington Dr, Bella Vista NSW 2153
💻 www.adirafinance.com.au

🏦 NON-BANK LENDERS VS BIG BANKS: WHICH COULD BE RIGHT FOR YOU IN 2026?

When looking for a home loan, many borrowers automatically think of the major banks. But non-bank lenders can also be an option worth considering.

So, what's the difference?

🏛️ BIG BANKS
Major banks may offer a wide range of products, established processes and familiar brands.

🔎 NON-BANK LENDERS
Non-bank lenders can offer different loan products, features and lending approaches that may suit certain borrowers.

This doesn't mean one is automatically better than the other. The right option depends on your circumstances, borrowing needs, financial goals and the lender's current criteria.

If you're self-employed, an investor, refinancing, or have a more complex financial situation, it may be worth exploring a broader range of lending options.

💡 The key is to compare the overall loan — not just the interest rate.

Thinking about your next home loan or refinancing?

☎️ (02) 8609 9911
📧 [email protected]
📍 2B 146 Marsden St, Parramatta NSW 2150
📍 C48/24-32 Lexington Dr, Bella Vista NSW 2153
💻 www.adirafinance.com.au

Speak with Adira Finance Group about your options.