Insights for smarter
property decisions
Practical guides and market analysis from our broking team — no jargon, just clarity.
I can't refinance because I won't pass another bank's test. What now?
Failing another bank's serviceability test? Start by asking your own bank for a better rate, then check the simpler refinance test some lenders offer.
My valuation came in lower: can I still refinance or release equity?
A low bank valuation caps how much you can borrow against your investment property. Here's how to get the best valuation you can, and borrow within it.
Rates up, values down: what investors are asking
Rates at 4.85% and values falling? Short answers to what investors are asking us right now: fixing, selling, refinancing, rent shortfalls and low valuations.
Should I sell my investment property or hold? Three questions that decide it.
Sell or hold your investment property? It comes down to where you think it's heading, what you'd do with the money, and whether the repayments are hurting.
The 5% Deposit Scheme in Late 2026: Who Qualifies Now
Who can use the federal 5% Deposit Scheme in late 2026, the current price caps by state, what changed on 1 July 2026, and the rules that end the guarantee early.
The RBA's November Decision: What It Means for Your Repayments
The RBA lifted the cash rate to 4.85% on 3 November 2026, its fifth rise this year. What it adds to your repayments, how much less you can borrow, and what to do now.
Separating? What Happens to Your Home Loan
Splitting up doesn't split your mortgage. What happens to a joint home loan after separation, your three real options, and the order to do things in.
Asked to Go Guarantor? What You're Actually Agreeing To
Before you pledge your home, check whether they even need you. An honest guide to guarantor home loans for the parent, sibling or grandparent being asked.
Cut 10 Years Off Your Mortgage Without Breaking the Bank
A real client case study: how two loan changes cut 10 years off Anna's mortgage, eased her cashflow and set her up for a debt-free retirement in Queensland.
What the 2026 Budget Means for Property Investors
The 2026 Federal Budget overhauls negative gearing, capital gains tax, and trust tax. Here's what property investors need to know and how to plan.
Three Hikes Into 2026: Here's What to Do About It
The RBA's third hike takes cumulative 2026 tightening to 0.75%. Here are six things we are actively working through with clients to ease the pressure now.
Debt Recycling Australia: Pay Off Your Mortgage Faster While Building Wealth
Is debt recycling legal? Does it actually work? A plain-English Australian guide to the strategy wealthy families use to pay off their mortgage faster and build an investment portfolio at the same time — without borrowing a dollar more.
Fatherhood and the Decision to Build
Two fathers, two opposite decisions. How becoming a parent can sharpen your focus or shift your priorities, and why both responses make sense.
Why We Don't Talk About Our Tech
Most companies lead with their technology. We built ours to disappear. Here's why Trimark keeps its tools quiet and lets the people do the talking.
He Wasn't Asking About His Loans. He Was Asking If He Could Afford to Change His Life.
A client came in for a loan review. What he really needed was clarity — enough to make a big decision without panic getting in the way.
The Reserve Bank's Divided Decision: What March 2026 Means for Your Mortgage
The RBA raised rates to 4.10% in a historic 5-4 vote. We break down what this means for homeowners, buyers, and the property market across Sydney, Melbourne, and beyond.
Australian Property Market 2026: What Investors Need to Know
A data-driven breakdown of Australia's 2026 property outlook — city-by-city performance, rate forecasts, and what multi-speed markets mean for investors.
Trust and Company Lending in 2026: What Property Investors Need to Know
Major lenders are pulling back from trust and company lending, APRA has introduced new DTI limits, and rates are climbing. Here's what property investors need to know to navigate the 2026 lending landscape.
How to Use Equity in Your Home to Buy Multiple Properties
Learn how to unlock the equity in your home to fund investment property purchases, avoid common structuring mistakes, and build a multi-property portfolio faster than saving alone.