Merran Phegan Loan Market

The market has definately cooled. Home loan lodgements are down 26% since early February, with investors easing back 31%, mostly in existing properties. New builds are holding up better than most, still sitting above June last year, and upgraders have barely moved.

The federal budget is shifting the rules on negative gearing and capital gains tax from July 2027.

For investors who've relied on tax concessions, that changes the maths.

But there's another way to look at property investment. One that doesn't depend on policy settings staying the same.

Some regional markets are already there.

Broken Hill median: $217k, rental yield 10.7%.
Rockhampton: $383k, 7.3%.
Port Augusta: $321k, 6.9%.*

These aren't consolation prizes they're a different investment thesis.

Cash flow over tax concessions. Affordable entry. Industries driving genuine local demand.

The budget changes don't kick in until 2027, and existing holdings are grandfathered. So there's no immediate action required. But if your investment strategy only works in one policy environment, now's a reasonable time to review it.

Curious whether regional stacks up for your situation?

Get in touch. 💬

*Source: Ray White Group Research. General information only. Not financial advice. Speak to a qualified adviser before making investment decisions.

For me borrrowing to purchase a property in my SMSF was a way of saving for retirement. Not anymore! Labor and the Greens have struck a deal that will ban new limited recourse borrowing arrangements (LRBAs) for residential property inside self-managed super funds.

It's not a one-size-fits-all solution but for the right person, combining multiple debts into one could mean lower interest, simpler repayments, and more room in your monthly budget.
We've put together a quick, no-jargon guide covering:
✅ What debt consolidation actually means
✅ When it might be worth considering
✅ The traps to watch out for
✅ Why structure matters

And if you're thinking about consolidating your debts or just want to simplify your finances, reach out, we're here to help.

Following the Federal Government’s proposed move to limit negative gearing to new investment properties only from mid-2027, some lenders are already starting to tighten their policies.

Macquarie Bank has advised brokers that negative gearing is no longer included in serviceability calculations for established investment properties purchased after Budget night, unless the property is a new build that adds to housing supply.

What does this mean?

Investor borrowing capacity could reduce, and first-home buyers may face more competition for new builds from investors who can still access tax benefits.

This is one to watch closely, as other lenders may follow.

This impacts first home buyers who wanted to rentvest. Rent where they work and invest in growth areas.

It might feel like just another chore, but staying on top of your due dates is actually one of the easiest ways to keep more money in your pocket. Here’s why your future self will thank you:

🚫 Zero late fees. Those $30–$50 penalties add up fast.

📉 Avoiding those compounding interest charges means you aren't paying extra for things you already bought.

Improve your credit score. Consistent payments are a major factor in your credit score. A better score can mean lower interest rates on future big wins like a car or a home. 🏠

🤸‍♀️ No "did I pay that?" anxiety. Just peace of mind and a clear headspace.

Remember, auto-pay is your best friend. Set it, forget it, and watch your savings grow instead of your debt.

How are you hitting your financial goals this month? 👇

Buying a home involves more than just the purchase price, it’s about your LVR. The Loan to Value Ratio is how banks assess their risk and determine your interest rate. If your LVR is over 80%, you might need to factor in Lenders Mortgage Insurance. Understanding this ratio early can help you plan your deposit strategy more effectively.
Reach out if you want to run the numbers.

Motherhood doesn't fit in a job description. It's a thousand invisible roles, filled every day, without fanfare.

Today we're taking a moment to name some of them and to say thank you to every woman who has shown up in this way, whether she carried you, chose you, or simply loved you like her own.

Happy Mother's Day.