Money Matters

Combine Government Programs to Buy Your First Home Sooner!

Get a grant, maximise your deposit and save thousands upfront.

First home buyers can combine three government support programs to buy with only 5% deposit, get a $10k grant while avoiding Lenders Mortgage Insurance and Stamp Duty. * Eligibility criteria and conditions apply.

Melbourne and Geelong first home buyers can get into the market sooner with just a 5% deposit - no LMI, no delays - thanks to the government’s fast-tracked home loan guarantee.

Down! RBA drops cash rate to 3.60%

Home buyers – check with your mortgage broker to find out if this changes your borrowing capacity or anticipated repayments.

Home owners – check with your lender to see if the rate cut will be passed on to you.

The Reserve Bank of Australia (RBA) has reduced the official cash rate by 25 basis points to 3.60% following its most recent board meeting on 12 August 2025.

KPMG: “Prime locations for growing families”

Population growth in Melbourne’s outer suburbs linked to housing affordability and community infrastructure

Keeping your home warm this winter without blowing the budget.

From turning on the heater to settling down in front of the television when the cold weather hits, energy costs generally tend to rise.

If you’re keen to save money – and who isn’t, here are our top tips for staying warm without breaking the bank! Some suggestions cost nothing, and some are more expensive, but might be something to think about for next year, especially if you intend to stay in your home for a long time.

Energy-efficient home assessments.

More relief: RBA drops cash rate to 3.85%

The Reserve Bank of Australia (RBA) has reduced the official cash rate by 25 basis points to 3.85% following its most recent board meeting on 20 May 2025.

This is the second rate cut this year. Since 2020 rates had only increased or held steady.

If banks and other lenders choose to pass on the rate cut in full, people with a $650,000 mortgage could save around $1000 a year on their repayments.

The election is over, what does that mean for homebuyers?

The second term of the Albanese Government will continue and expand their first term housing initiatives aimed at homebuyers and building new homes.

First home buyers have received much of the attention.

Eligible first home buyers will only need a 5% deposit, while 100,000 homes available exclusively to first home buyers are planned.

How to furnish your new home on a budget

So, you’re getting ready to move into your new home. Even if you’re on a tight budget, it’s still possible to it deck out with everything you need.

Creating a cost-effective – but well-equipped – home requires good imagination and some strong will to live within the parameters of the budget you’ve set yourself.

Here are our top tips for doing exactly that.

Needs v Wants.

How to refinance your mortgage and secure the best home loan for you.

The past couple of years have seen a major upheaval in the lending landscape. Consecutive interest rate rises have driven mortgage repayments up and tightened lending criteria.

Coupled with the increasing cost of living, there’s no doubt this has made things more challenging for home owners, prompting many to look at how they can claw some of their money back by refinancing their home loans.

Understanding the Energy Rating System on your appliances

What is the energy rating system?

Managing your power bills. Save power, save money.

There's nothing worse than opening your energy bill and finding it's higher than expected.

So it’s time to take charge and look at how you can at how you can cut electricity costs around your home and save more on your electricity bill.

There are plenty of changes - big and small, that can add up to reduce your bills and help you play your part in reducing emissions. Here are our top tips for keeping the energy meter down and putting more money back into your pocket.

Heat and cool your space efficiently.

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