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# Intuitive Finance

## Sitemaps
[XML Sitemap](https://intuitivefinance.com.au/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Australia’s Housing Crisis Isn’t About Investors. It’s About Supply.](https://intuitivefinance.com.au/australia-housing-crisis-supply-not-investors/): Every election cycle we hear the same debate.
- [Outbid, Not Outmatched: How a Guarantor Loan Can Give First Home Buyers the Edge This Spring](https://intuitivefinance.com.au/guarantor-home-loan-first-home-buyers-spring/): The spring property market is often one of the busiest periods of the year.
- [Australia’s housing market is grinding to a halt – and our Budget changes are making it worse](https://intuitivefinance.com.au/australia-housing-market-downturn-budget-changes/): Property markets don't simply run on interest rates.
- [One Tax Refund. One Smart Decision. One Step Closer to Your First Home.](https://intuitivefinance.com.au/tax-refund-first-home-deposit/): For many Australians, tax refund season is a chance to catch up on bills, book a holiday or finally replace something that's been sitting on the wish list for a while.
- [The Move To Commercial Investment](https://intuitivefinance.com.au/post-budget-move-to-commercial-investment/): It’s safe to say the Federal Budget’s property changes are heartily disliked by almost every property expert in the business, including myself.
- [Why Buying and Selling in Today’s Property Market May Be Easier Than You Think](https://intuitivefinance.com.au/why-buying-and-selling-in-todays-property-market-may-be-easier-than-you-think/): One of the biggest mistakes I see is when people talk about “the property market” as though every property is behaving the same way.
- [How can you benefit from a new build and what’s involved in getting a construction loan?](https://intuitivefinance.com.au/how-can-you-benefit-from-a-new-build-and-whats-involved-in-getting-a-construction-loan/): New builds are the talk of the property world now the federal budget details have been released, but there is more to financing this type of real estate than first meets the eye.
- [Why First Home Buyers Might Never Get a Better Opportunity Than Right Now](https://intuitivefinance.com.au/why-first-home-buyers-might-never-get-a-better-opportunity-than-right-now/): If you're a first home buyer sitting on the fence right now, wondering whether you should wait another six months, another year, or until "the market crashes", I completely understand.
- [Why Being Fearful Right Now Could Be Costing You Your Next Property](https://intuitivefinance.com.au/fearful-buyers-and-property-market-opportunities/): "Be fearful when others are greedy, and greedy when others are fearful."
- [How bridging loans help Australians secure property in a competitive market](https://intuitivefinance.com.au/how-bridging-loans-help-australians-secure-property-in-a-competitive-market/): In our current competitive market, bridging loans can be a great idea for home buyers who buy a new home before selling their current one. Here’s why.
- [Superannuation property purchases: all you need to know](https://intuitivefinance.com.au/superannuation-property-purchases-all-you-need-to-know/): Australia’s compulsory 12% superannuation rate can mean a hefty drop in annual salaries, but it does mean we’ll enjoy a more financially secure retirement. And, thanks to the softening of super regulations in September 2007, more investors are enjoying this security before they turn 65, instead using it to buy a property. 
- [Bridging loans vs home loans: what’s the difference in Australia?](https://intuitivefinance.com.au/bridging-loans-vs-home-loans/): Bridging loans are a fantastic financial solution for people who buy a new home before they’ve sold their existing one. But what’s the difference between bridging loans and home loans?
- [Will CGT and negative gearing cuts really make housing more affordable?](https://intuitivefinance.com.au/will-cgt-and-negative-gearing-cuts-really-make-housing-more-affordable/): The May 12th Federal Budget saw the most significant revamp of property investment tax in nearly 30 years announced by the highest income-taxing treasurer in Australia’s history.
- [Why our governments are to blame for your rising interest rates](https://intuitivefinance.com.au/why-our-governments-are-to-blame-for-your-rising-interest-rates/): Like most other people, I was unsurprised by the Reserve Bank of Australia (RBA)’s 5th May decision to increase rates for the third consecutive time this year. Nevertheless, this decision to hike rates by 25 basis points to 4.35% does mean we’re back to the 12-year high we thankfully haven’t seen since December 2024.
- [What you need to know about asset finance](https://intuitivefinance.com.au/what-you-need-to-know-about-asset-finance/): Here’s what you need to know about asset finance and how you can get the best out of your borrowing arrangements.
- [Repayments are Cheaper than your Rent](https://intuitivefinance.com.au/repayments-are-cheaper-than-your-rent/): The context...
- [Debunking The Myths of Bridging Finance](https://intuitivefinance.com.au/debunking-the-myths-of-bridging-finance/): Some of the most common queries I field are about bridging finance and how it can be utilised to a client’s advantage.
- [Don’t buy property in a trust before reading this](https://intuitivefinance.com.au/dont-buy-property-in-a-trust-before-reading-this/): There’s been some big changes in the lending market recently, and I don’t mean trimmed interest rates, stubborn inflation, or government policies. The changes I’m talking about are those that will directly impact residential lending where a company or trust is involved.The first shifts were announced by Macquarie Bank in late October last year, and the CBA and ANZ were quick to follow suit. Westpac and non-bank lender Firstmac were the latest to change tack on trust loans this January, making NAB the only Big 4 Bank still safe for trust loan borrowers… for now, at least.
- [When should you refinance? Navigating RBA rate cuts and loyalty rates](https://intuitivefinance.com.au/when-should-you-refinance-navigating-rba-rate-cuts-and-loyalty-rates/): The Reserve Bank of Australia (RBA)’s decision to cut rates three times this year – or by a total of 0.75% – has been welcome, particularly as these drops were the first since November 2020.
- [What the latest inflation data means for borrowers with the upcoming February RBA decision](https://intuitivefinance.com.au/inflation-data-for-borrowers-rba-decision/): My view is that the latest inflation data reduces the urgency for another rate hike in February. I expect the RBA to keep the cash rate on hold and maintain a firm, data-dependent stance. In plain English, that usually means: “we are encouraged, but we need more evidence”.
- [Common mortgage mistakes first‑home buyers still make in 2026](https://intuitivefinance.com.au/common-mortgage-mistakes-first-home-buyers-still-make-in-2026/): Many first home buyers are still making avoidable mortgage mistakes that can impact their finances for years. Here’s how to avoid the most common pitfalls, like skipping pre-approval, underestimating costs, and choosing unsuitable loan types. There are also practical tips you can use to navigate the home loan process with confidence and avoid costly errors.
- [Market Value vs Bank Value](https://intuitivefinance.com.au/market-valuer-vs-bank-value/): Did you know there are two potential values for your property?
- [2025 review: rate cuts, record prices and the rise of the first-time buyer](https://intuitivefinance.com.au/2025-review-rate-cuts-record-prices-and-the-rise-of-the-first-time-buyer/): For tenants, this meant continued pressure on household budgets and limited choice. For investors with well-located properties, it meant strong competition for quality rentals and very low vacancy risk.
- [Offset accounts and split loans: How they work and when they save you money](https://intuitivefinance.com.au/offset-accounts-and-split-loans-how-they-work-and-when-they-save-you-money/): Offset accounts are like everyday savings accounts, and you can access them any time. But there’s one key difference – offset accounts are linked to your home loan. So, the funds in this account will balance out your mortgage so that you pay less interest over the life of your loan. 
- [Investment Property Financing: Interest-Only vs Principal and Interest Loans](https://intuitivefinance.com.au/investment-property-financing-interest-only-vs-principal-and-interest-loans-2/): It’s difficult to choose between an interest-only investment loan and a principal and interest one, with each option offering benefits and risks.
- [Serviceability vs. affordability – What’s the difference and how does it affect me?](https://intuitivefinance.com.au/serviceability-vs-affordability-whats-the-difference-and-how-does-it-affect-me-2/): Many medium- to high-income earners believe that when they apply for a home loan there will be no trouble getting it approved. Often this is the case.
- [Why three quality properties beat thirty average ones](https://intuitivefinance.com.au/why-three-quality-properties-beat-thirty-average-ones/): The property industry loves a success story. You know the type: someone goes from zero assets to 10, 20, even 30 properties in a few short years. The media eats it up, buyers' agents use it as marketing gold, and before you know it, everyone's chasing the dream of an ever-expanding portfolio.
- [Bridging the gap: Buying a new home before you’ve sold the old one](https://intuitivefinance.com.au/bridging-the-gap-buying-a-new-home-before-youve-sold-the-old-one/): A bridging loan is a short-term solution to a common real estate situation: finding a new house before you’ve sold your current one. This finance provides the budget to purchase your planned property. You’ll then have a longer, calmer time to sell your current house and have a reliable cash flow in the process.
- [How to navigate the Queensland home loan process](https://intuitivefinance.com.au/how-to-navigate-the-queensland-home-loan-process/): If you’re looking to buy property in Queensland, it helps to understand what the home loan process actually involves, from the moment you decide to buy right through to getting the keys.
- [Top suburbs for first home buyers in Brisbane in 2025](https://intuitivefinance.com.au/top-suburbs-for-first-home-buyers-in-brisbane-in-2025/): Hoping to buy your first home in Brisbane this year? You’re not alone. The market in southeast Queensland is absolutely humming right now, with more and more people flocking to the lifestyle, housing affordability and long-term growth potential on offer.
- [Small business owners, now’s the time to buy](https://intuitivefinance.com.au/small-business-owners-nows-the-time-to-buy/): If you're a small business owner or self-employed, you've probably just come through the busiest time of year: balancing the books, reviewing the numbers and prepping for your end-of-financial-year reports. 
- [Mortgage Mumbo Jumbo decoded: Making Sense Of Banking Terminology](https://intuitivefinance.com.au/mortgage-mumbo-jumbo-decoded-making-sense-of-banking-terminology/): Buying your first home is an exciting milestone, but it’s often also overwhelming and more than a little confusing when you dive into your home loan options.
- [Why winter is still a great time to sell – and buy – property](https://intuitivefinance.com.au/why-winter-is-still-a-great-time-to-sell-and-buy-property/): Conventional wisdom tells us that spring is the best season for real estate. Flowers bloom, lawns are green, and the market emerges from a long hibernation.
- [What does Labour’s election win mean for Australia’s property market?](https://intuitivefinance.com.au/what-does-labours-election-win-mean-for-australias-property-market/): After their extraordinary election victory this month with an absolute routing of the Liberal party, Australians must now settle in for three more years of Labor at the helm. So, what does Labor’s federal election win last weekend mean for Australia’s property market, and how will their second term play out?
- [Best mortgage strategies for Sydney property investors](https://intuitivefinance.com.au/best-mortgage-strategies-for-sydney-property-investors/): Let’s start with one of the biggest debates – interest-only loans versus principal and interest.
- [Step-by-step guide: Securing your first home loan with a Melbourne broker](https://intuitivefinance.com.au/step-by-step-guide-securing-your-first-home-loan-with-a-melbourne-broker/): When you’ve made the decision to buy your first home, it’s tempting to race off and start scrolling through listing websites to find the perfect property. But wait. There are some important things you need to do before you fall in love with a property.
- [Interest rates are dropping – here’s what happens next](https://intuitivefinance.com.au/interest-rates-are-dropping-heres-what-happens-next/): No sooner had the Reserve Bank cut the official cash rate for the first time in years the pundits began asking when the next reduction might be.
- [Federal Election 2025: All you need to know](https://intuitivefinance.com.au/federal-election-2025-all-you-need-to-know/): Elections typically bring a swathe of uncertainty to property markets as both buyers and sellers wait to see which party – and their policies – will win.
- [SMSF 101: Investing in property via a self-managed superannuation fund](https://intuitivefinance.com.au/smsf-101-investing-in-property-via-a-self-managed-superannuation-fund/): A SMSF is a private superannuation fund that gives trustees – that’s you – direct control over its investment decisions. One potentially lucrative investment option is purchasing property, either residential or commercial. 
- [Trump’s tariffs: how will they impact Australia’s property market?](https://intuitivefinance.com.au/trumps-tariffs-how-will-they-impact-australias-property-market/): US President Donald Trump’s tariffs have resulted in a global trade war complete with “tit-for-tat” tariff responses from some major trading partners. This is an issue expected to affect everyday Australians, including homeowners and buyers.
- [Top Melbourne suburbs for first homebuyers or first-time investors](https://intuitivefinance.com.au/top-melbourne-suburbs-for-first-homebuyers-or-first-time-investors/): Situated in the city’s west, this suburb boasts affordability and solid infrastructure. Median house prices are significantly lower than inner suburbs, making it an excellent hunting ground for young families and first homebuyers. The area has good schools, access to Werribee Plaza for shopping and good transport links to the city.
- [Do mortgage brokers charge a fee](https://intuitivefinance.com.au/do-mortgage-brokers-charge-a-fee/): Mortgage brokers are key members of your property team when buying a home or investment. However, understanding the cost of a mortgage broker and the way they add value remains a mystery to some borrowers.
- [First Home Buyers – What are you waiting for](https://intuitivefinance.com.au/first-home-buyers-what-are-you-waiting-for-2/): Amongst all Covid-19 pandemic news and the government wanting to support the construction industry, there has been a strong push towards first home buyers as the boost the economy needs.
- [Navigating the competitive Sydney market](https://intuitivefinance.com.au/navigation-the-competitive-sydney-market/): When people talk about ‘the Sydney market’, they’re really describing countless micro markets. Bondi and Bankstown are two very different real estate patches.
- [Why the wrong interest rate is costing you thousands of dollars](https://intuitivefinance.com.au/why-the-wrong-interest-rate-is-costing-you-thousands-of-dollars/): It’s been an interesting few years in the finance realm with increasing interest rates, delayed cuts, rising property prices, cost-of-living challenges and general economic uncertainty all playing their part in the maelstrom.
- [All the grants and initiatives on offer to first home buyers across Australia](https://intuitivefinance.com.au/all-the-grants-and-initiatives-on-offer-to-first-home-buyers-across-australia/): Definition: The federal government, as well as each state and territory, have a range of grants and other initiatives on offer to first home buyers. They range from cash to go towards purchase costs to deposit guarantees. There are strict eligibility requirements and some rules about what you can buy and for how much.
- [New year, new goals, new financial plan](https://intuitivefinance.com.au/new-year-new-goals-new-financial-plan/): If you’re like me, you probably find yourself spending much of January wondering how it’s a new year already and where the last one went. IT feels like time increasing slips by at a faster and faster pace.
- [Renovate your current home or sell it and upgrade: Which is right for you?](https://intuitivefinance.com.au/renovate-your-current-home-or-sell-it-and-upgrade-which-is-right-for-you/): Definition: Renovating your home means deciding to stay put but make changes to it, big or small, to make it suit your changing needs and wants. Upgrading means you’re parting ways, selling the property and venturing into the market to find something bigger or better - or both.
- [Keeping a lid on expenses this festive season](https://intuitivefinance.com.au/keeping-a-lid-on-expenses-this-festive-season/): Tis the season to spend way more than you planned to, and after a pretty tough year for most people, the temptation to have a particularly good time over the next few weeks might be very hard to resist.
- [The ultimate 2025 finance forecast for property buyers](https://intuitivefinance.com.au/the-ultimate-2025-finance-forecast-for-property-buyers/): I’m quietly confident that next year is going to be one of the more interesting years in real estate that we’ve seen in a while.
- [Fixed rate home loans vs variable rate home loans: Which is right for you?](https://intuitivefinance.com.au/fixed-rate-home-loans-vs-variable-rate-home-loans-which-is-right-for-you/): Definition: A fixed rate mortgage means the interest paid stays the same for the period locked in, which can be anywhere from a year to five years. A variable rate home loan means your repayments can fluctuate if there are rate changes, up or down.
- [Choosing the right mortgage solution of variable fixed or both](https://intuitivefinance.com.au/choosing-the-right-mortgage-solution-of-variable-fixed-or-both/): Should I fix my mortgage interest rate or go with variable?
- [Why every First Homebuyer needs a Mortgage Broker](https://intuitivefinance.com.au/why-every-first-homebuyer-needs-a-mortgage-broker/): They also understand the various grants and schemes on offer to help first homebuyers get a foot in the door. And there are plenty at the moment, with different options, including some supercharged First Home Owner Grants, depending on the state or territory. 
- [All You Need to Know About Bank Valuations](https://intuitivefinance.com.au/all-you-need-to-know-about-bank-valuations/): So what valuation do I need?
- [Getting the Most out of the Spring Property Season](https://intuitivefinance.com.au/getting-the-most-out-of-the-spring-property-season/): Vendors emerge from a winter slumber, bringing their homes to market after a subdued few months. Buyers are out in force too, lured by the influx of listings and spurred on by the feeling of momentum in the air.
- [Credit scores and mortgage approvals](https://intuitivefinance.com.au/credit-scores-and-mortgage-approvals/): There are three credit agencies in Australia that look after monitoring credit activity and issuing credit scores. They are Experian, Equifax and Illion (formerly known as Dun and Bradstreet). Depending on which credit reporting agency is generating your report, your credit score will be between zero and either 1000 or 1200.
- [Timing the Market vs. Time in the Market](https://intuitivefinance.com.au/timing-the-market-vs-time-in-the-market/): The amateur real estate expert.
- [On Market vs. Off Market Listings: What’s The Difference](https://intuitivefinance.com.au/on-market-vs-off-market-listings/): There’s nothing intrinsically wrong with this system, but it can be challenging depending on the market. Take right now, where demand is high, and your typical open-for-inspection can draw dozens of people. Likewise, in a down market, there might not be much to choose from as would-be vendors sit on their hands, leaving you with crumbs.
- [Impact of Victoria’s Land Tax Hike on Property Investors](https://intuitivefinance.com.au/impact-of-victorias-land-tax-hike-on-property-investors/): This one, an overhaul of land tax, could be the straw that broke the camel’s back, with agents in other parts of the country, like Perth, Adelaide and southeast Queensland, reporting an influx of people who are fleeing the state, especially with the recent strong markets in each of those areas.
- [Get Ready For The End Of Financial Year – NOW!](https://intuitivefinance.com.au/get-ready-for-the-end-of-financial-year-now/): But for savvy property investors, June 30 is really the most significant date on the calendar. It’s the moment where your tax affairs come to the fore and you look to make the most of financial arrangements as a real estate owner.
- [The big problem with ‘girl math’](https://intuitivefinance.com.au/the-big-problem-with-girl-math/): There was one about how if you bought and returned something that cost $50, you’d actually made $50, and another about someone balking at paying $5 shipping on a $20 item but being thrilled with paying $30 for something that ships for free.
- [How to avoid getting drenched on a rainy day – why savings and a budget really matters](https://intuitivefinance.com.au/how-to-avoid-getting-drenched-on-a-rainy-day-why-savings-and-a-budget-really-matters/): While households were battling significant increases in their home loan repayments, red-hot inflation also pushed up the cost of living, creating a double whammy that pushed many to the brink.
- [Struggling with your home loan repayments? Here’s what to do](https://intuitivefinance.com.au/struggling-with-your-home-loan-repayments-heres-what-to-do/): It’s no wonder. The average mortgage holder has seen their repayments soar by about $1500 per month, which equates to a whopping $18,000 per year. Of course, that’s based on the typical home loan size, so those in more expensive cities with larger balances are faring much worse.
- [The true cost of interest rate rises](https://intuitivefinance.com.au/the-true-cost-of-interest-rate-rises/): Everyone knows the Reserve Bank’s war on inflation is hurting. You only need to ask those around the table at your next dinner party or backyard barbeque how they’re faring, and most will admit to slashing non-essential spending to take some pressure off.
- [As Migration Returns, What Does it Mean for Housing Markets?](https://intuitivefinance.com.au/as-migration-returns-what-does-it-mean-for-housing-markets/): In the 12 months to June 2023, almost half-a-million migrants arrived in Australia, and by the middle of this year, it’s expected that almost 300,000 more will follow them.
- [Don’t hold your breath for a rate cut (but we also won’t see any further increases in 2024)](https://intuitivefinance.com.au/dont-hold-your-breath-for-a-rate-cut-2024/): People with vested interests (commentators, journalists and some economists) will always tell you what you want hear – and don’t worry, we have a vested interest to as I’d love for all my clients to paying less in interest but there needs to be a serious balance in reporting here and consideration of all the facts, not just what people want to hear.
- [Is Victoria’s housing supply about to get better – or worse?](https://intuitivefinance.com.au/is-victorias-housing-supply-about-to-get-better-or-worse/): This is a grim snapshot of the current situation.
- [How to avoid a Christmas financial hangover](https://intuitivefinance.com.au/how-to-avoid-a-christmas-financial-hangover/): And that’s not accounting for the money thrown around in the lead-up to Christmas on gifts, food and travel.
- [Lessons learned from the “mortgage cliff”](https://intuitivefinance.com.au/lessons-learned-from-the-mortgage-cliff/): But one facet that's caused widespread panic among commentators has been the fixed rate "mortgage cliff".
- [Understanding the real cost of your home loan](https://intuitivefinance.com.au/understanding-the-real-cost-of-your-home-loan/): Or if you do, it was probably written on the packaging in fine print that you missed, either in the excitement of purchasing a property or from being overwhelmed by the cost and stress of making it all happen.
- [What will the RBA do next with interest rates?](https://intuitivefinance.com.au/what-will-the-rba-do-next-with-interest-rates/): Red-hot inflation was moderating, retail spending was down, and three of the big four banks tipped that the official cash rate had finally peaked. The landscape for borrowers was looking relatively steady at long last.
- [Credit scores and mortgage approvals](https://intuitivefinance.com.au/credit-scores-and-mortgage-approvals-2/): There are three credit agencies in Australia that look after monitoring credit activity and issuing credit scores. They are Experian, Equifax and Illion (formerly known as Dun and Bradstreet). Depending on which credit reporting agency is generating your report, your credit score will be between zero and either 1000 or 1200.
- [Using Your Self-Managed Superannuation To Invest in Property](https://intuitivefinance.com.au/self-managed-superannuation-property-investment/): While it is mostly a win for Aussies, there is one fly in the ointment. Most of the money invested via superannuation ends up in stocks and securities, but plenty of people would rather devote their self-managed superannuation fund (SMSF) balance to investing in real estate.
- [Purchasing a property as a single woman](https://intuitivefinance.com.au/purchasing-a-property-as-a-single-woman/): While the extremes of those days are behind us, there’s no doubt we need to do more. This is exemplified in the investment space by recent research. 
- [Immigration and housing: where to from here?](https://intuitivefinance.com.au/immigration-and-housing-where-to-from-here/): Add in that many state governments also relinquished their responsibilities around public housing, instead leaving it to private property investors to fill the gap. A great way to government coffers was to sell off social housing in capital cities where values had skyrocketed. Now that has come back to bite the people in charge.
- [What to do when your interest-only loan is expiring](https://intuitivefinance.com.au/what-to-do-when-your-interest-only-loan-is-expiring/): Interest-only loans are favoured by many investors. The strategy goes that although the principal is not reducing, the value of your property is rising. Because the repayments are lower, you can afford to borrow more capital and invest additional funds in growth assets.
- [Fixed-interest expiring soon? Here’s what to do now](https://intuitivefinance.com.au/fixed-interest-expiring-soon-heres-what-to-do-now/): If you have loans of any type that are on fixed interest, now is when you should gather together all the information and contact a mortgage broker. Having time to address the problem and look for solutions will deliver the best possible outcome – especially as financiers are often willing to help avoid any drama too. Wait too long, and you will find your options limited.
- [Do mortgage brokers charge a fee?](https://intuitivefinance.com.au/do-mortgage-brokers-charge-a-fee-2/): The deregulation of Australia’s banking industry began in the 1970s, but its outcomes really became entrenched throughout the late 1980s and into the 1990s. This was a period when the finance industry opened up new and exciting opportunities for borrowers. No longer were the big four banks and their subsidiary businesses your primary options for securing finance. Now, a range of lenders and products were available to choose from.
- [How to buy a home in 2023](https://intuitivefinance.com.au/how-to-buy-a-home-easily-in-2023/): But in 2023 I believe those trials will be a little different compared to previous years. 2022’s market transition was a shock to many as we went from one of the strongest national property price booms ever, to one of the quickest value retractions on record.
- [Why the RBA shouldn’t raise interest rates in February](https://intuitivefinance.com.au/why-the-rba-shouldnt-raise-rates-in-february/): In 2022 we saw eight consecutive months of interest rate rises delivering a total 3% bump to the cash rate. This was the fastest period of increases in over 20 years.
- [How to find the best mortgage broker for you](https://intuitivefinance.com.au/how-to-find-the-best-mortgage-broker-for-you/): Borrowing to buy is sensible of course. If you wisely invest the funds, it’s highly likely your property will return far more than the loan’s interest rate.
- [The year in review and my 2023 predictions](https://intuitivefinance.com.au/the-year-in-review-and-my-2023-predictions/): But 2022 ended up delivering a diversity of historic, world-shaking events that would influence a myriad of factors in everyday life, from finance to work to family.
- [How to prepare to buy your first home in 2023](https://intuitivefinance.com.au/how-to-prepare-to-buy-your-first-home-in-2023/): But part of the reason it’s so satisfying is that there are challenges to be overcome as a first home buyer – especially around securing finance, and the hurdles are magnified in 2023 as we tackle an uncertain economic landscape.
- [How to apply for your first home loan application](https://intuitivefinance.com.au/how-to-apply-for-your-first-home-loan-application/): And then there’s the big question of finance.
- [Why borrowers shouldn’t fear rising interest rates](https://intuitivefinance.com.au/why-borrowers-shouldnt-fear-rising-interest-rates/): Fortunately, there are also strategies to help borrowers mitigate the stress and impost of rising interest rates.
- [Fixed rate expiring on your mortgage? Here’s what to do](https://intuitivefinance.com.au/fixed-rate-mortgage-expiring-heres-what-to-do/): A fixed rate mortgage sets your monthly repayments at a specified rate for a certain period, usually between one and five years. For the duration of the fixed term, your loan repayments remain the same. Once the fixed rate period ends, the home loan reverts to the standard variable rate. 
- [Refinancing home loans, what you need to know](https://intuitivefinance.com.au/refinancing-homes-loans/): Even if you were considering staying with your current lender, speaking to a mortgage broker is still worthwhile, as we may be able to broker a better deal for you. In addition to this a mortgage broker can take the hassle and fear out of refinancing home loans and make it a simple and easy process.
- [The RBA has deceived the Australian public](https://intuitivefinance.com.au/the-rba-has-deceived-the-australian-public/): Many Australians feel they have been misled by the RBA, and top economists such as AMP’s Capital Chief Economist Shane Oliver says “2024 was a long time away to keep interest rates at zero. We didn't really believe that (would play out in reality). And I think a few other economists out there didn't believe them, either. But the problem is that they were taken seriously by many in the community."
- [5 ways to retire without a mortgage](https://intuitivefinance.com.au/5-ways-to-retire-without-a-mortgage/): We all dream of financial freedom, whether that means living debt-free or just being able to get the slightly more expensive option at lunch. But the ultimate form of freedom we all look forward to is retirement and most importantly, retiring without a mortgage. After we’ve put in all the long hard years of work, we get to kick back, put our feet up and enjoy the fruits of our labour. Whether it’s travelling the world, getting to enjoy our hobbies, or just living life on permanent vacation… but nothing ruins this idyllic mental image like the idea of still needing to pay off debt. Many work towards a prospective retirement date based on how much more time they’ll need to pay off their mortgage. For others, it’s just not feasible to keep working that long. If you want to retire without a mortgage, read on for our top tips and strategies to get you there.1. Getting ahead of the gameIt might seem obvious, but having a strategy to retire without a mortgage and get ahead of the curve with some extra repayments can help you significantly. Make sure you have a principle and interest repayment program on your home loan as soon as you can, rather than just interest, and look into your options when it comes to making extra repayments and having an offset account attached. Assess your disposable income and how much of it you can reasonably divert to reduce your home loan, especially in periods of low interest rates, so that when interest rates rise again (like we are experiencing now, as of September 2022), you won’t have to suffer through larger-than-necessary repayments. Manage your funds strategically to get you ahead of your mortgage repayments a lot sooner.2. Review your home loanTake a conscientious approach to your home loan, and remember that as the market changes, new opportunities and options for refinancing will arise. Make a note to check back in on your home loan every 2 - 4 years and conduct a full review to see if any banks have introduced new specials or windows for a possible home loan restructure.3. Balancing other investmentsWhether it’s other assets or investment loans, it’s easy to get caught up thinking that you should consolidate them for retirement or sell them off to put the money back into your own pocket. However, from the point of view of a mortgage broker, we don’t think having debt on an investment property is a bad thing when retiring, as you always have the opportunity to sell it in the future. Over-focusing on clearing loans and reducing investment debt is not so important, though reducing your loan to value ratio, and having the property in question largely maintaining itself, is tremendously helpful. At the end of the day, it’s always going to be more favourable to have your home loan cleared - not just so that the debt isn’t hanging over your head, but so that whatever disposable income you have can go towards your living expenses. Whether it’s pension, self-managed super or superannuation, it’s always going to be better to have this at your disposal rather than servicing a mortgage longer than it needs to.4. DownsizingMany get stuck in the spiral of paying off the large family home they have lived in for most of their adult lives - but do you really need to? Particularly for empty nesters, it may be worth downsizing by selling off a large home you don’t need anymore in favour of a smaller and more suitable property. It may even help you become a property owner with little to no mortgage at all. Selling high and buying low means you can more easily clear away remaining debts, but it also means you might be eligible for government incentives to make it all the more beneficial. For eligible owners, when downsizing you can now put up to $300,000 per owner of the house - so for example, a husband and wife can put in up to $600,000 in their super - for the long term strategy of return retirement.5. Use windfalls to get you across the finish lineWhen you come into a large sum of money, avoid the temptation to splash out on something extravagant and put it towards reducing a large chunk of your home loan. This might be when tax time rolls around, if you come into some inheritance money, a nice bonus at work or any number of scenarios. This tip relies on your willpower, so ensure you approach any windfalls with the frame of mind that you never had the extra money to begin with, and continue on with your usual budget and spending behaviours. Commitment to retire without a mortgage is key!Want to discuss your options in more detail? Book an obligation-free consultation with our experts today. Contact us today for an obligation free consultation.Knowledge Hub UpdatesJoin 12,400 readers who already receive it.
- [The property market is cooling: what does it mean for buyers and investors?](https://intuitivefinance.com.au/the-property-market-is-cooling/): Times are changing, and as the economy fluctuates so does the property market. Whether you’re an upgrader, first home buyer or property investor, it’s important to know that the housing market is cooling. In fact, it’s even more important to know what it might mean for you and your situation. Who knows - it could just help you decide what your next big move on the property market will be.What is the current state of the Australian property market?The housing market has taken a downturn as interest rates have risen, with vendors needing to sweeten the pot for prospective buyers by lowering their price expectations. While some experts say the sharp fall in housing prices will be contained within a 12 month period, the forecast is followed up by a warning that the market will likely take years to recover. AMP Capital chief economist Shane Oliver has updated his forecast predicting the cash rate to peak at 2.85%. There is a chance it could climb to 3% and cause an even more drastic drop in housing prices.With that all being said, let’s get stuck into the considerations for different types of buyers in this cooler climate for the housing market.What should home upgraders consider?The short version is that now is a great time for home upgraders. Let’s say you’re looking to upgrade from a $1 million home to a $2 million home within the same market, but because the housing market is cooling, your home has dropped in value by 10% to $900,000. While you may initially see this as a bad thing - $100,00 less - it also means that your dream property has dropped by 10%, taking it down to $1.8 million and leading to a $200,000 saving.  In addition to this, you’re also saving on the variable fees associated with selling and purchasing a home - agents commissions and stamp duties will cost less.What should first home buyers consider?In the current landscape, you have far less competition in the property marketplace, so this is an immediate plus. In the last several years we’ve seen record numbers of potential buyers show up to in-person auctions, with some auctions garnering crowds of even up to 100 people. Nowadays, with auctions averaging maybe 4-5 attendees and only two of those being serious bidders, it is well and truly what we would call a ‘buyer’s market’.  Over the last few years, we’ve seen vendors really have the upper hand during the seller’s market. In a cooling market, buyers are given back the opportunity to negotiate price, terms, and a whole lot of things.What should property investors consider?Whether you already have a decent portfolio or are just starting out with property investment, now is a great time to get into the market and a great opportunity to take up long-term investments. While many might feel scared off by the climbing interest rates we’ve been seeing, it’s actually a great time to revisit properties you may have looked at 6-12 months ago and see where they are in the market. If they didn’t sell, they’re in all likelihood going to have dropped about 10% - 15% in price, providing an excellent opportunity for you to buy up something you maybe once had your eye on but was too far out of scope at the time.Want to discuss your options in more detail? Book an obligation-free consultation with our experts today. Contact us today for an obligation free consultation.Knowledge Hub UpdatesJoin 12,400 readers who already receive it.
- [What to expect from the RBA’s next announcement](https://intuitivefinance.com.au/what-to-expect-from-the-rbas-next-announcement/): In Australia, the challenge we face is that we are the only country in the G20 to report on inflation quarterly, not monthly (which is set to change from October onwards). The actual effect of interest rate changes tends to be lagging, not immediate.
- [First time home buyer mortgage mistakes and how to avoid them](https://intuitivefinance.com.au/first-time-home-buyer-mistakes-and-how-to-avoid-them/): Whether they’re common mistakes that you’ve heard a hundred times before from that one uncle, or things that you never thought to consider, Intuitive Finance has come up with a list of what to look for when buying your first home. House-hunting mistakes are bound to happen from time to time, so your best bet is to arm yourself with the knowledge of not only how to avoid them, but also how to make the most of any first-time home buyer benefits that could be available to you.Mistake #1 - Borrowing/buying over your budgetIt might seem like one of the more obvious common mistakes, but borrowing or buying over budget is something we see happen all the time among first home buyers. Whether it’s because a young couple finds what they think is their dream house, and they don’t want to risk losing a property they’ve fall in love with, or someone who’s been looking for a property for longer than they were anticipating is eager to just put something to their name, it happens more frequently than you might think. Your best bet to avoid something like this happening to yourself is to do your market research. Get really clear on what you’re looking for and the ballpark range you should expect for the type of property you have your eye on. Having clear expectations and a realistic understanding of the market is your best armour.Mistake #2 - Not doing your proper due diligence on the propertyWhile you may think it goes without saying, doing your due diligence on a property before making any commitments can save you from years of trouble, regret and debt later on down the track. If you’re not sure what to look for, go by the book and conduct thorough building and pest inspections to ensure the property is sound and won’t run into terminal or additional maintenance issues after your purchase. Think about the location of your property in relation to the immediate neighbourhood - are you buying near transport, or facilities? A property alongside a busy road can impact resale value, and the additional noise it generates should be factored in. Don’t forget to check easements, boundaries and building overlays as well, as these can impact potential improvements to the property in future.Mistake #3 - Listening to bad advice from the wrong peopleWhen it comes to house-hunting mistakes and the poor decisions surrounding them, a lot of the time we can pinpoint them to one recurring culprit - taking advice from the wrong people. We all have well-meaning friends and families, often with their own very valid anecdotes surrounding their own property purchases, but remember to take any advice from non-professional parties with a grain of salt. It’s important to take into account the location, property type, year and the economy at the time among other variables when listening to anecdotal advice - at the end of the day, we always recommend speaking directly to professional brokers like the experts at Intuitive Finance for the best advice for your situation.Mistake #4 - Letting FOMO or emotions overrule decision makingNeed we say more on this one? We’ve all experienced FOMO and post-FOMO (POFOMO?) regret before - whether it’s going out on a night we shouldn’t and regretting it the next morning, or buying a property that’s not quite right for you and your needs, FOMO can drive us to make decisions in the heat of the moment that we ultimately wouldn’t if we were thinking a little straighter. There’s also the all-too-familiar case of falling in love with a property and believing it’s “the one", which if you make it evident to the real estate agent, can give them ammunition to push for a higher sale price from you than you might have been able to obtain otherwise.Mistake #5 - Utilising the wrong loan structureThis mistake is a particularly important one to be mindful of, as it can affect the next 30 years of your repayment obligations. There is no one ideal loan structure, no one-size-fits-all approach - between fixed and variable rates, offset accounts and more, it may feel confusing but it’s worth wrapping your head around. As a first home buyer, you need to be aware of how the correct loan structure can not only save you money in the long run, but also affect your quality of life in the meantime and how you’re able to juggle mortgage repayments with living a quality of life that you’re comfortable with. There’s also the common mistake of making minimum loan repayments, rather than structuring to make extra payments using an offset account - treading water and paying just the principle will have you spending more money in the long run, and have you going nowhere fast.Want to ensure you’re getting the best advice for your situation? Our experts have years of experience working with first home buyers to help them navigate the property market with ease. Contact us today for an obligation free consultation.Knowledge Hub UpdatesJoin 12,400 readers who already receive it.
- [Common mortgage mistakes first home buyers make](https://intuitivefinance.com.au/common-mortgage-mistakes-first-home-buyers-make/): It’s no secret that the world of home loans can be intimidating, complex and just plain annoying to navigate, leading to many homeowners making decisions they regret later down the track. Whether these common mortgage mistakes are made due to ignorance, frustration, naïveté or any number of variables, the fact remains that there are some common themes we tend to see between mistakes.  Read on as we go through the most popular mortgage mistakes we see among first home buyers, so you know to look out for them and avoid them.Mistake #1 - Listening to the wrong peopleAs mortgage brokers, we’ve seen time and time again all the different opinions and (sadly, often ill-informed) advice inflicted upon first home buyers by well-meaning friends and family. While everyone may want the best for you, those who aren’t professionals or in the industry may be imparting biased views, often based on their own anecdotal experiences or media they’ve consumed. While much of the information out there is valid, it may not necessarily be your most accurate source of truth - that’s why here at Intuitive Finance, we always recommend seeking advice from industry professionals who have a good grasp on the current market applicable to your situation.Mistake #2 - Selecting the wrong loan structureWhether looking at fixed versus variable, a basic loan or an offset account, at the end of the day you will have a number of options depending on which route you go and what your home loan goals are. It’s always best to consult with your mortgage broker about your unique circumstances and financial situation to design a structure that best suits your lifestyle, intended future goals, and more. Mistake #3 - Chasing the lowest interest rateAt the end of the day, product cost will always be a primary factor in our choice of whether to purchase something or not - but it’s not the only feature of a product, and the same is especially true for home loans. Looking for the lowest interest rate while ignoring other factors like the home loan structure is a definite mortgage mistake, so don’t get sucked in by suspiciously low interest rates without questioning why they’re so low first.Mistake #4 - Not factoring in a home loan bufferIn the same way that we like to have emergency funds or a small cushion of savings in our day-to-day lives, hidden or unexpected costs can similarly spring up during the home buying and home loan process. Any mortgage broker worth their salt will emphasise the importance of a home loan buffer, AKA a fund that allows you to ensure your repayments are covered in the event of something happening like losing your job. Whether you achieve this by making additional repayments to get ahead of your home loan, or using an offset sub-account, the added safety net can do wonders not only for shortening your time spent paying off your mortgage but also for your peace of mind.Mistake #5 - Making interest-only repayments because that’s all you can affordThis one speaks for itself. Getting caught in the trap of paying interest-only repayments, rather than principle and interest repayments, means more interest payable over the life of the loan. This option means you will experience higher repayments once the interest-only period finishes, a higher interest rate during the interest-only period, and also the fact that the principal amount won’t reduce during the interest-only period. Overall, there are a lot more sunken costs with this option. While there may be some benefits to the interest-only repayments journey depending on your circumstance, like perhaps you are taking some time off work to be a primary carer and your ability to make repayments is limited, or you are seeking particular tax benefits for investment loans, it’s generally advisable that you forsake taking this route if you can avoid it.Mistake #6 - No overall strategyAll too often, we are driven by emotion and idealism when we shop, and the same can be true even for long-term purchases like homes and home loans that require a lot of mental processing and consideration. The best way to combat this and avoid being influenced by your emotions is to devise a sensible and realistic long-term strategy for your home buying journey. This is particularly important for first home buyers who are traversing the home loan field for the first time - working with your mortgage broker closely to design a strategy that works for you will save you the most money and stress in the long term.Ready to get some professional advice? As industry leaders, Intuitive Finance can offer you guidance from award-winning brokers to help you navigate the best home loan option for you. Book a call with us today to learn more.Knowledge Hub UpdatesJoin 12,400 readers who already receive it.
- [How Tighter Lending Standards Could Impact Your Borrowing Capacity](https://intuitivefinance.com.au/how-tighter-lending-standards-could-impact-your-borrowing-capacity-1/): If you’re unsure where you stand with your current DTI, seek out the advice of a mortgage broker who can talk you through the numbers and provide you with all the information for you to choose the best option.
- [Why the interest rate increase won’t hit 3.5% and Australia won’t go into recession](https://intuitivefinance.com.au/why-the-interest-rate-increase-wont-hit-3-5/): The interest rate increase in May was the first since 2010, and the June (and now July) raise of 50 basis points marks the largest increase since early 2002.
- [How Tighter Lending Standards Could Impact Your Borrowing Capacity](https://intuitivefinance.com.au/how-tighter-lending-standards-could-impact-your-borrowing-capacity/): If you’re unsure where you stand with your current DTI, seek out the advice of a mortgage broker who can talk you through the numbers and provide you with all the information for you to choose the best option.
- [How the upcoming federal election will impact the housing market](https://intuitivefinance.com.au/how-the-upcoming-federal-election-will-impact-the-housing-market/): Before we dive in, some context - major issues surrounding housing pricing were central in the previous election, with Scott Morrison winning the seat as Prime Minister in 2019. With the ALP (Australian Labour Party) taking a stance on wanting to remove negative gearing, the Capital Gains Tax discount for asset sales and the dividend franking credits super and pensions receive, many denote this position as a major reason for the Liberal victory. This time around, the ALP aren’t taking the same position and even saying they won’t turn their attention to these issues at all, though there remains some uncertainty and hesitation around the conversation of negative gearing. In the basic sense, however, there are no particularly discernible differences between the Liberals and the Labour party on housing policies for the upcoming election.
- [Top 10 Affordable Sydney Starter Suburbs for First Home Buyers](https://intuitivefinance.com.au/affordable-sydney-suburbs-for-first-home-buyers/): However, not all hope is lost - for the savvy house shopper who is willing to be flexible on location, there are a great range of affordable suburbs on offer. You just need to know where to look.
- [Is the transfer of Intergenerational Wealth the new “Bank of Mum and Dad”](https://intuitivefinance.com.au/is-the-transfer-of-intergenerational-wealth-the-new-bank-of-mum-and-dad/): In 2018 the average inheritance was about $125,000 but this is expected to multiply dramatically and by 2050, it’s likely the average inheritance will be four times that, at around $1 million.
- [Lender options beyond the “Big four”](https://intuitivefinance.com.au/lender-options-beyond-the-big-four/): It can be an overwhelming decision because comparing home loan products is difficult. There are a large range of features that vary significantly across home loan products and comparing these features is like comparing apples with snowmen.

## Pages
- [Mandela Opoku Landing Page](https://intuitivefinance.com.au/mortgage-broker-mandela-opoku/): Helping business owners fund equipment, property and growth with lending structured around their goals.
- [Helpful Guides](https://intuitivefinance.com.au/helpful-guides/): Navigating the mortgage and property finance landscape can feel overwhelming, especially with changing regulations, lender policies and market conditions. Our Helpful Guides are designed to simplify the process and provide clear, practical insights into home loans, refinancing, investment and construction finance. Whether you’re a first-time buyer or expanding your property portfolio, these resources will help you understand your options and make confident, informed decisions. Explore our step-by-step guidance tailored to support both your personal and business goals.
- [Seminars & Events](https://intuitivefinance.com.au/seminars-events/): Join Intuitive Finance for informative seminars and events designed to help you make more confident property and finance decisions. From first home buyer sessions to investor-focused discussions, our events offer practical insights, expert guidance and the chance to learn in a supportive environment.
- [FHB Digital Survey Quiz](https://intuitivefinance.com.au/mortgage-first-home-buyer/fhb-digital-survey-quiz/): Buying your first home is a big step. Our quick First Home Buyer quiz will help you see if you’re ready to take the leap. By answering a few simple questions, you’ll discover how close you are to owning your first home.
- [Property Plans](https://intuitivefinance.com.au/property-plans/): Detailed, actionable property investment plans backed by decades of investing experience.
- [Mortgage Broker Cheltenham](https://intuitivefinance.com.au/mortgage-broker-cheltenham/): Intuitive Finance is dedicated to providing personalised mortgage finance solutions for those looking to buy in Cheltenham. With a deep understanding of the market, we make getting a loan for property in Cheltenham simple. Book a consultation today to speak to an expert about getting the right home loan for your needs.
- [Mortgage First Home Buyer Home Guarantee Scheme](https://intuitivefinance.com.au/mortgage-first-home-buyer-home-guarantee-scheme/): Our friendly, no-obligation chat is packed with valuable insights, including the latest on the First Home Guarantee Scheme, to guide you through your Melbourne first home journey.
- [Mortgage First Home Buyer Refer A Friend](https://intuitivefinance.com.au/mortgage-first-home-buyer-refer-a-friend-2/): Refer them to Intuitive Finance andget a chance to win a Samsung Galaxy S10+ Tablet*
- [Refinancers](https://intuitivefinance.com.au/refinancers/): Access 30+ lenders Australia-wide and get the best terms for your new mortgage.
- [Upgraders](https://intuitivefinance.com.au/upgraders/): Get expert help to understand your options,secure the best loan, and enjoy a smooth path to your next home.
- [Lachlan Landing Page](https://intuitivefinance.com.au/lachlan-landing-page/): Helping investors and professionals grow their wealth and make confident finance decisions with strategies tailored to their goals.
- [Alexandra Landing Page](https://intuitivefinance.com.au/alexandra-landing-page/): Helping buyers and borrowers take the next step with guidance that’s personal, practical, and tailored to them.
- [Andrew Landing Page](https://intuitivefinance.com.au/andrew-landing-page/): Clear and strategic lending support for investors, professionals, and business owners ready to make their next move.
- [Mortgage First Home Buyer](https://intuitivefinance.com.au/mortgage-first-home-buyer/): Our friendly, no-obligation chat is packed with valuable insights, including the latest on the First Home Guarantee Scheme, to guide you through your Melbourne first home journey.
- [Landing Page](https://intuitivefinance.com.au/landing-page-3/)
- [Bonnie Landing Page](https://intuitivefinance.com.au/mortgage-broker-bonnie-carter/): Personal guidance for first home buyers and upgraders, every step of the way.
- [Mortgage guidance b](https://intuitivefinance.com.au/mortgage-guidance-b/): With over 20 years’ experience and an award-winning team, Intuitive Finance offers personalised mortgage solutions, giving you clear answers, honest guidance, and ongoing support. From your first enquiry right through to settlement and beyond, we're guiding you every step of the way.
- [Mortgage guidance a](https://intuitivefinance.com.au/mortgage-guidance-a/): With over 20 years’ experience and an award-winning team, Intuitive Finance offers personalised mortgage solutions, giving you clear answers, honest guidance, and ongoing support. From your first enquiry right through to settlement and beyond, we're guiding you every step of the way.
- [Mortgage Brokers Sydney](https://intuitivefinance.com.au/mortgage-brokers-sydney/): At Intuitive Finance, we take the time to understand your needs and long-term goals because financing isn't just about securing the lowest rate or a short-term solution—it's about building a future that aligns with your vision. Whether you're a first-time home buyer, a seasoned investor, or a business seeking financing solutions, our team of specialists is here to guide you towards the right financial solution tailored to your specific needs.
- [Mortgage Brokers Brisbane](https://intuitivefinance.com.au/mortgage-brokers-brisbane/): At Intuitive Finance, we take the time to understand your needs and long-term goals because financing isn't just about securing the lowest rate or a short-term solution—it's about building a future that aligns with your vision. Whether you're a first-time home buyer, a seasoned investor, or a business seeking financing solutions, our team of specialists is here to guide you towards the right financial solution tailored to your specific needs.
- [Mortgage Brokers Melbourne](https://intuitivefinance.com.au/mortgage-brokers-melbourne/): Choosing Intuitive Finance means benefiting from a truly personalised approach where your financial goals and needs are our priority. As mortgage brokers servicing the Melbourne community, we take the hassle out of the mortgage process by handling all the details and negotiations on your behalf.
- [Book a Complimentary Meeting (Landing page)](https://intuitivefinance.com.au/book-a-complimentary-meeting/): We are Intuitive Finance. We provide mortgage brokerage services to all types of borrowers, from new home buyers to experienced investors – and everything in between. We like to start with a clear understanding of your goals and objectives, allowing us to craft various lending options to suit your needs.
- [Blogs](https://intuitivefinance.com.au/knowledge-hub/blogs/): In a complex lending environment where there is a lot of ambiguity and confusion in the marketplace, it’s important to stay abreast of the latest developments in finance, property and commerce. See below for a range of updates and in-depth examinations of issues affecting your personal and business interests.
- [Aureus Financial](https://intuitivefinance.com.au/aureus-financial/): In 2024, Intuitive Finance proudly announced the acquisition of Aureus Financial Mortgage Broking. We are delighted to welcome Aureus Financial clients into the Intuitive Finance family, where they will continue to receive exceptional service and support tailored to their financial needs.
- [Commercial Loans](https://intuitivefinance.com.au/loans/loan-types/commercial-loan/): For business owners and investors seeking commercial loans in Australia, the right lending structure is critical to protecting cash flow and long-term growth. At Intuitive Finance, we work with a broad panel of lenders to secure tailored commercial loan solutions aligned with your business strategy. Our advisory-led approach helps reduce risk, improve approval outcomes, and support sustainable B2B growth.
- [Equity Release Loans](https://intuitivefinance.com.au/loans/loan-types/equity-release-loan/): Equity release loans and loan increases are both ways to tap into the equity in your property. While they share similarities, the key difference lies in how they are structured. At Intuitive Finance, we can guide you through which option best suits your financial situation, ensuring you make an informed choice.
- [Investment Loans in Australia](https://intuitivefinance.com.au/loans/loan-types/investment-loan/): Investment loans are designed for individuals purchasing property for rental income or resale. Whether you’re a seasoned investor or buying your first investment property, Intuitive Finance is here to help. We understand the unique challenges investors face, and we can guide you through the complexities of choosing the right financing structure to protect your existing assets while helping you build new ones.
- [Loan Refinancing](https://intuitivefinance.com.au/loans/loan-types/loan-refinance/): If you have an existing mortgage and think you could get a better deal, loan refinancing might be the answer. At Intuitive Finance, we help you assess the market and either renegotiate with your current lender or move to a new provider to secure a better rate. With ever-changing market conditions, it’s always worth checking if you’re getting the best deal possible. Our up-to-date knowledge of lender performance ensures that we can find the right refinancing solution tailored to your needs.
- [Loan Types](https://intuitivefinance.com.au/loans/loan-types/): A variable-rate home loan is a type of home loan where the interest rate can change over time. This means that if interest rates decrease, you could pay less interest on your loan balance, potentially reducing your overall loan cost.
- [Variable Rate Home Loans](https://intuitivefinance.com.au/loans/loan-types/variable-rate-home-loans/): Variable rate home loans offer flexibility and the potential to benefit from interest rate decreases over time. At Intuitive Finance, we help you navigate the advantages and considerations of variable rate home loans, ensuring you find the best option for your financial needs.
- [Borrower Types](https://intuitivefinance.com.au/loans/borrower-types/): Becoming a homeowner has been a cherished dream for generations of Australians. However, navigating the journey to homeownership can feel daunting and overwhelming; this is where a mortgage broker can make a world difference. 
- [Loans For Professionals](https://intuitivefinance.com.au/loans/borrower-types/professionals/): At Intuitive Finance, we offer tailored financing solutions for professionals, understanding the unique needs and challenges each profession faces. From doctors to lawyers, accountants to sportspeople, we help secure the best loan options to suit your circumstances.
- [Property Investment Financing](https://intuitivefinance.com.au/loans/borrower-types/property-investors/): Investing in property can be a strategy for building wealth to secure your financial future. At Intuitive Finance, we understand the unique challenges and opportunities that come with property investment. Our team provides expert guidance on investment property loans, helping you navigate the complexities of the market and find the best financing solutions tailored to your needs. Whether you're a seasoned investor or just starting out, we partner with over 30 lenders to offer you the most competitive rates and terms.
- [Mortgage Brokers](https://intuitivefinance.com.au/mortgage-brokers/): Expert Guidance to Navigate Securing Finance and Maximise Your Property Potential
- [Exclusive Offer – Woodlands Golf Club | Intuitive Finance](https://intuitivefinance.com.au/woodlands-page/): Here at Intuitive Finance we provide mortgage broking services to all types of borrowers, from new home buyers to experienced investors - and everything in-between. We like to start with a clear understanding of your goals and objectives, allowing us to craft various lending options to suit your needs.
- [RF PPC Landing Page](https://intuitivefinance.com.au/refinancing/): We’re award winning mortgage brokers,here to empower you on your lending journey
- [PPC Landing Page](https://intuitivefinance.com.au/ppc-landing-page/): We’re award winning mortgage brokers,here to empower you on your lending journey
- [Checklist Resources](https://intuitivefinance.com.au/checklist-resources/): No matter which stage of the home buying process you’re in, from working out your budget to inspecting properties or even moving in, we’ve got you covered.
- [Asset Finance](https://intuitivefinance.com.au/loans/loan-types/asset-finance/): Asset finance provides the necessary funding to acquire essential assets for your business or personal needs. At Intuitive Finance, we offer expert guidance to help you navigate the complexities of asset finance, ensuring you secure the best option for your financial goals.
- [8 Key Finance Issues All Expatriates Need To Understand](https://intuitivefinance.com.au/8-key-finance-issues-all-expatriates-need-to-understand/): We specialise in assisting clients working and living overseas to purchase property back home in Australia.
- [The Key Finance Issues All Self Managed Super Funds Need To Consider](https://intuitivefinance.com.au/the-key-finance-issues-all-self-managed-super-funds-need-to-consider/): If you are considering investing in property within your SMSF then this guide will help identify the key issues you need to consider!
- [Guide To Finance For Self Employed People](https://intuitivefinance.com.au/guide-to-finance-for-self-employed-people/): Whatever your requirements for finance are, as a self employed person there are a number of key considerations to take into account as you prepare to approach lenders.
- [7 Things All Property Investors Need To Understand About Finance](https://intuitivefinance.com.au/7-things-all-property-investors-need-to-understand-about-finance/): Don't invest in property without reading this guide!
- [The Key Finance Issues All Property Upgraders Need To Consider](https://intuitivefinance.com.au/the-key-finance-issues-all-property-upgraders-need-to-consider/): Whether you are considering buying, building or renovating then this guide will help identify the key issues you need to consider!
- [The Guide To Finance for First Homebuyers](https://intuitivefinance.com.au/the-guide-to-finance-for-first-homebuyers/): Owning your first home is an incredibly exciting but daunting time in your life.
- [Property Buying Tips And Handy Hints To Successfully Manage Your Finances](https://intuitivefinance.com.au/property-buying-tips-and-handy-hints-successfully-manage-your-finances/): Use our handy finance guide to both help you identify properties to purchase and assist with your finance application.
- [Broker & Administration Careers](https://intuitivefinance.com.au/careers/): Intuitive Finance is a people-first workplace; as the proud recipients of a 2021 Top Mortgage Employers Award, we’re dedicated to building a positive environment for our capable and skilled Broker & Administration team of professionals. Through our numerous and hand-picked charity ventures with groups like Challenge and Movember, as well as our community sponsorships with local sports teams and the North Melbourne Football Club, giving back is a core tenet of what we do. Read on below for position descriptions and learn more about what it’s like to work with the Intuitive Finance team across Australia and in a range of roles.
- [Landing Page](https://intuitivefinance.com.au/landing-page-2/): If you have a dream, we can help you find the ideal lending solution.
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- [Mentor Program](https://intuitivefinance.com.au/mentor-program/): Attract, Convert and Deliver
- [Search Results](https://intuitivefinance.com.au/search-results/)
- [Low-Deposit Home Loans](https://intuitivefinance.com.au/loans/loan-types/no-deposit-home-loans/): Most lenders do not offer No Deposit Home Loans, but they do provide alternatives such as Low-Deposit Home Loans, Guarantor Home Loans, and First Home Guarantee. These options are safer for lenders while still allowing borrowers to save smaller deposits, typically around 5-10%.
- [Guarantor Home Loans in Australia](https://intuitivefinance.com.au/loans/loan-types/guarantor-home-loan/): Guarantor home loans provide an opportunity to purchase a property with the assistance of a guarantor, often a family member, who uses their own property as security. At Intuitive Finance, we offer expert guidance to help you navigate the complexities of guarantor home loans, ensuring you secure the best option for your financial needs.
- [Brisbane Financial Broker & Home Loan Investment Specialists](https://intuitivefinance.com.au/financial-brokers-brisbane/): Brisbane and the Queensland market is unique in itself in terms of the buying options, conditions available, settlement periods and most importantly understanding that “time is of the essence” in these Queensland markets.
- [Thank You!](https://intuitivefinance.com.au/appointment-thank-you/): Thanks for booking an appointment.
- [Book a Complimentary Meeting](https://intuitivefinance.com.au/appointments/): To book an obligation-free finance strategy session with one of our brokers, click on a profile below to book with them, or click "no preference" below to get the first available booking time.
- [Testimonials](https://intuitivefinance.com.au/testimonials/): Intuitive Finance is a respected, market leading voice and business in the industry.
- [Sandringham loans specialists for first time buyers & property investors](https://intuitivefinance.com.au/sandringham-australia-investment-home-loans/): 
- [Sydney Financial Broker & Home Loan Investment Specialists](https://intuitivefinance.com.au/financial-brokers-sydney/): In the complex Sydney, and for that matter New South Wales property markets, where finance is unconditional once you exchange contracts, it’s vital that you have a team of experts on your side to guide you every step of the way.
- [Tell us about you and your needs](https://intuitivefinance.com.au/your-financial-profile/): The experienced team at Intuitive Finance are here to help you create wealth building strategies that work for you and your unique financial needs.
- [Finance Specialist](https://intuitivefinance.com.au/careers/finance-specialist/): Intuitive Finance is always looking for experienced Finance Specialists to become a part of our award-winning team.
- [Commercial Broker](https://intuitivefinance.com.au/careers/commercial-brokers/): Intuitive Finance is looking for an experienced Commercial Broker to become a part of our award-winning team.
- [Administration and Client Services](https://intuitivefinance.com.au/careers/administration-client-services/): Intuitive Finance is always looking for great people to join our Administration and Client Service teams to become a part of our wider award-winning team.
- [What Makes Us Different: Expert Financial Guidance You Can Trust](https://intuitivefinance.com.au/what-makes-us-different/): We work with a wide range of customers, including first home buyers, homeowners looking to upgrade, sophisticated investors with extensive property portfolios, and Australian expatriates living and working overseas who are looking to establish a property portfolio in Australia.
- [We take all of our valued clients through a simple 6 step process](https://intuitivefinance.com.au/our-6-step-client-process/): We get in contact Within 4 hours of your initial introduction
- [Let Us Know A Little About You](https://intuitivefinance.com.au/quick-assessment-check/): Please complete the following information, this will provide us with a brief background and enable us to contact you with the relevant information.
- [Lenders Mortgage Insurance](https://intuitivefinance.com.au/calculators/lenders-mortgage-insurance/): Coming soon! Other Calculators
- [How much stamp duty will I have to pay?](https://intuitivefinance.com.au/calculators/how-much-stamp-duty-will-i-have-to-pay/): 
- [Glossary](https://intuitivefinance.com.au/glossary/): /* Style */
- [Complaints](https://intuitivefinance.com.au/complaints/): At Intuitive Finance, we always work hard to build strong and lasting relationships with our valued customers. By listening to your feedback, not only can we address any immediate concerns you may have, we will also continually improve our products and services.
- [Privacy](https://intuitivefinance.com.au/privacy/): Intuitive Finance are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth). This Policy describes our current policies and practices in relation to the handling and use of personal information.
- [Variable Rate Home Loans in Australia](https://intuitivefinance.com.au/loans/loan-types/variable-rate-home-loan/): A standard variable-rate home loan has a variable interest rate that serves as a benchmark for other variable-rate products offered by lenders. This type of loan typically includes various features, such as an offset account and redraw facility, providing more flexibility. However, due to the additional features, it often has a higher interest rate compared to basic variable-rate loans.
- [Split Loans](https://intuitivefinance.com.au/loans/loan-types/split-loan/): Split loans offer the best of both worlds by allowing you to divide your home loan into fixed and variable-rate portions. At Intuitive Finance, we help you understand and maximise the benefits of split loans, ensuring you secure the best option for your financial needs.
- [Offset Home Loan](https://intuitivefinance.com.au/loans/loan-types/offset/): An offset loan is a type of home loan that is linked to an offset account. The balance in your offset account is deducted from your home loan balance when calculating interest, which can significantly reduce the amount of interest you pay over the life of the loan. For example, if you have a home loan balance of $300,000 and $50,000 in your offset account, you will only be charged interest on $250,000. This structure provides an effective way to save on interest while maintaining access to your funds.
- [Fixed Rate Home Loans](https://intuitivefinance.com.au/loans/loan-types/fixed-rate-home-loan/): Fixed-rate home loans offer stability and predictability, with a fixed interest rate for a set period. At Intuitive Finance, we help you secure the best fixed-rate loan to suit your financial needs and goals, providing peace of mind with consistent repayments.
- [Construction Loans](https://intuitivefinance.com.au/loans/loan-types/construction/): Construction loans provide the necessary funding to build your dream home or investment property from the ground up. At Intuitive Finance, we offer expert guidance to help you navigate the complexities of construction loans, ensuring you secure the best option for your financial needs.
- [Bridging Loans in Australia](https://intuitivefinance.com.au/loans/loan-types/bridging-loan/): Bridging loans provide a short-term financing solution that allows you to purchase a new property before selling your existing one. At Intuitive Finance, we offer expert guidance to help you navigate the complexities of bridging loans, ensuring you secure the best option for your financial needs.
- [Property Upsizers](https://intuitivefinance.com.au/loans/borrower-types/property-upsizers/): If you’ve outgrown your current home or it no longer meets your needs, you may be facing the decision to renovate or relocate. For many, upsizing is a practical solution to gain the space and features required for a growing family or changing lifestyle. At Intuitive Finance, we provide expert guidance on using the equity in your existing home to fund a new or renovated home, which is more suitable to your current needs. We partner with over 30 lenders to match your goals with the perfect financing options.
- [Self-Managed Super Funds Loans for Property Investment](https://intuitivefinance.com.au/loans/borrower-types/self-managed-supers-funds/): Managing your superannuation fund can provide greater control over your retirement savings and investment strategies. At Intuitive Finance, we specialise in SMSF loans, helping you leverage your superannuation to invest in property. Our team of experts understands the complexities of SMSF lending and works with over 30 lenders to find the best financing solutions for your needs. Whether you are looking for a basic variable-rate home loan or a fixed-rate home loan, we have the expertise to guide you through the process.
- [Self-Employed Loans](https://intuitivefinance.com.au/loans/borrower-types/self-employed-home-loans/): Whether you’re a tradie or a business owner, navigating the loan process as a business owner can be challenging. At Intuitive Finance, we understand the unique needs of self-employed individuals and can help you maximise your borrowing capacity and secure the best loan structure.
- [Expat Home Loans](https://intuitivefinance.com.au/loans/borrower-types/expat-home-loans/): Living abroad while investing in property back home in Australia can be a complex process. At Intuitive Finance, we specialise in providing tailored expat home loans to suit the unique needs of Australians living overseas. Our expert team understands the intricacies of securing Australian mortgages for expats and works with over 30 lenders to find the best financing solutions for your situation.Expat home loans for high-net-worth expatriates and international investors often require specialist structuring. These loans must address foreign income, currency exposure, tax residency, and complex asset portfolios. Our team works with lenders who specialize in expat and international investor lending. We help secure Australian property finance that aligns with your long-term wealth and investment objectives.

## Case Studies
- [Richard and Michelle – EXPAT Family](https://intuitivefinance.com.au/case-studies/richard-and-michelle-expat-family/): Richard and Michelle are expats, living in London, who already have their family home, which they have been renting out since they moved overseas. They have the potential to utilise the equity in this home as well as their tax-free income to build a multi-property portfolio.
- [Victor – Commercial Loan](https://intuitivefinance.com.au/case-studies/victor-commercial-loan/): Victor was an existing client of ours with a strong asset base, and was looking to increase his cash flow by purchasing a commercial property.
- [Grant and Heidi – Sophisticated Investors](https://intuitivefinance.com.au/case-studies/grant-and-heidi-sophisticated-investors/): Grant and Heidi are a mature couple who own several properties and want to take advantage of their current earnings and repayment capacity to continue growing their property portfolio. A further challenge for them is that two of their existing properties are underperforming, and the total debt across all assets is cross-collateralised.
- [Max and Louise – Guarantor Home Loans](https://intuitivefinance.com.au/case-studies/max-and-louise-guarantor-home-loans/): Max and Louise were looking to buy their first home, but as a young couple going through university, they didn’t have enough savings to be able to make the 20% deposit for a home loan.
- [Michael and Sally – First Time Investors](https://intuitivefinance.com.au/case-studies/michael-and-sally-first-time-investors/): Michael and Sally are in their 50s, and as retirement draws nearer they don’t think their superannuation is sufficient for them to maintain their lifestyle. As their house is nearly paid off, they want to avoid selling it.
- [Karl – Rentvestor](https://intuitivefinance.com.au/case-studies/karl-rentvestor/): Karl is a professional AFL player looking to invest in property while playing football, allowing him to begin building a property portfolio that can help him build long-term wealth after his football career.
- [Sam and Amy – No Deposit Home Loan](https://intuitivefinance.com.au/case-studies/sam-and-amy-no-deposit-home-loan/): Sam and Amy were long term renters who were ready to purchase their own home, but found it difficult to save for a 20% home loan deposit due to the cost of rent and everyday living expenses.
- [Andy and Sharon – Upgraders](https://intuitivefinance.com.au/case-studies/andy-and-sharon-upgraders/): Andy and Sharon’s children recently completed their secondary schooling, leaving them with reduced daily outgoings that resulted in an increased debt funding capacity. They were ready to move from their 1950s suburban Melbourne family home into a newer, more modern property that provided more luxuries without the high-maintenance assets (a large garden, swimming pool, etc.). They were keen to acquire a new site and build a brand new residence.
- [Donna and Ian – SMSF](https://intuitivefinance.com.au/case-studies/donna-ian/): Over Donna & Ian’s working life, they built up significant balances in their superannuation funds and were looking into generating enough surplus cash to service a loan on an investment property.
- [David – First Home Buyer](https://intuitivefinance.com.au/case-studies/david-first-home-buyer/): As a sales representative and semi-professional footballer, David was looking to buy his first home in Melbourne. The key challenges for him were to arrange finance, including navigating his eligibility for the First Home Buyers’ Grant as per State Government legislation.
- [Steve – Self-employed](https://intuitivefinance.com.au/case-studies/steve-self-employed/): As a self-employed plumber, Steve wasn’t sure he would be able to use debt to start a property portfolio. Traditionally, banks would view him as less reliable than PAYG earners, making it more difficult for him to build a property investment portfolio.

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