As we step into the new financial year (FY26), it’s a perfect time to review your financial position and, in particular your home loan. This financial year (FY25) has seen its share of ups and downs in the economy, but there’s a growing sense of optimism in the air, especially for homeowners and aspiring buyer driven by two rate cuts in February and May 2025.
History suggests that once rates start falling property prices don’t wait around, you may start noticing the property prices going upward.
At Draw Equity home loans, our mission is to ensure your home loan is always working as hard as it can for you. The start of a new financial year provides a fantastic opportunity to review, refine, and potentially make significant savings or strategic moves.
What’s on the Horizon for FY26?
Here’s what we’re seeing in the market that could impact your mortgage:
Interest Rate Outlook: A Shift in Momentum? After a period of stability (or even some recent cuts in 2025), many economists and major banks are now predicting further interest rate cuts throughout new financial year. While nothing is certain, the general consensus points towards a more favourable borrowing environment. This could translate to:
Lower monthly repayments: Putting more money back in your pocket.
Increased borrowing capacity: Making property ownership more accessible.
Greater refinance opportunities: Securing a better deal than ever before.
Property Market Forecast: Steady Growth Expected! Experts are largely forecasting continued, albeit moderate, growth in Australian property prices through 2025 and into 2026. This means:
Building Equity: Your property value could continue to climb, increasing your equity.
Buyer Opportunities: If you’re looking to purchase, anticipated rate cuts and a stable market could create a window for action.
Investor Potential: A strong rental market and potential capital growth make a compelling case for property investors.
Our Plans for Your Success in FY26:
Our commitment is to help you achieve your property goals. Our key focus areas will be:
Proactive Loan Reviews: We’ll be reaching out to existing clients to conduct proactive home loan health checks annually. Even a small savings on your interest rate can add up to thousands over the life of your loan.
Refinance Opportunities: With potential rate cuts, now is an ideal time to assess if refinancing could save you money, consolidate debt, or unlock equity for renovations or investments.
First Home Buyer Guidance: Navigating the path to your first home can be daunting. We’re here to demystify the process, explain government grants (like the First Home Owner Grant, no LMI Loans, stamp duty waiver etc), and find the right loan for your start in the property market.
Investment Property Strategies: Looking to expand your portfolio or get into property investment? We can help you structure your loans effectively to maximise returns and minimise risk.
Construction & Renovation Loans: Planning a build or a major renovation? We’ll guide you through the financing options, from construction loans to equity release, to bring your vision to life.
SMSF Loans: Planning to purchase investment property using your Super, We will guide you in each and every steps of the purchase process.
Ready to Make the Most of the New Financial Year?
Don’t let potential savings or opportunities pass you by! A quick chat could reveal how you can benefit from the current market conditions and our expertise.
Whether you’re:
– Considering buying your first home or next property
– Looking to invest or consolidate debt
– Planning renovations or a new build
– Wondering if you’re on the best interest rate
We’re here to provide personalised advice and tailored solutions. Take the first step towards a stronger financial future this FY2025-2026!
Please contact us to schedule a complimentary, no-obligation home loan review.
We look forward to helping you achieve your property aspirations in the year ahead.
