The Greystone Finance blog.
Practical mortgage and lending guidance from our brokers, covering home loans, refinancing, business lending and the market movements that affect your rate.
- Home Loans9 Oct 2026
Mortgage Broker Melbourne: Why Using a Broker Could Save You Thousands
Looking for a mortgage broker in Melbourne? Whether you're buying your first home, refinancing an existing loan, investing in property, or building a new home, the right mortgage broker can help you secure a competitive loan structure while making the process significantly easier.
- Home Loans9 Oct 2026
Should I Refinance My Mortgage?
With interest rates, lender policies, and home loan products constantly changing, many homeowners wonder whether they're still getting a competitive deal. The reality is that a mortgage that was suitable a few years ago may no longer be the best option today. Refinancing can be a powerful way to reduce repayments, access equity, or improve your overall financial position, but it's important to understand both the benefits and potential costs before making a move.
- Home Loans9 Oct 2026
How Much Equity Can I Access?
For many homeowners, their greatest financial asset isn't their savings account, it's the equity they've built in their property. As property values increase and your loan balance reduces, your available equity can become a powerful tool for renovation, investment, debt consolidation, or future property purchases.
- Home Loans9 Oct 2026
Can I Buy a Home With a 5% Deposit?
Buying your first home can feel overwhelming, especially when you're trying to save a large deposit. The good news is that many Australians can purchase a property with as little as a 5% deposit, allowing them to enter the market sooner rather than waiting years to save a traditional 20% deposit.
- Home Loans9 Oct 2026
How Much Can I Borrow on a $100k Salary? Plus Answers to 7 Other Common Home Loan Questions
Whether you're buying your first home, refinancing an existing mortgage, or investing in property, understanding how lenders assess your situation can help you make more informed decisions. Below, we answer some of the most common finance questions we receive from clients.
- Market Updates9 Oct 2026
Interest rate update | Building costs climb 5.7% | EV sales surge
What do your mortgage, a new build, an EV and your next property purchase have in common? The numbers are changing – and knowing what they mean could help you make your next move. More rate rises could be on the way Homebuilding costs have jumped 47.7% since 2020 Five things to consider before buying an EV How to buy a home on a modest income
- Business9 Oct 2026
How to respond to higher rates | New tax relief arrives | Business failures rise
With two more rate decisions remaining in 2026, borrowing costs remain firmly in focus. This month, explore what higher rates, new tax rules, rising insolvencies and cyber risks could mean for your business. Three questions to ask about your debt as rates rise again Tax changes that could put money back in the business Tough conditions make financial buffers more important Cyber security training moves into the spotlight
- Market Updates16 Sept 2026
The $55m offset warning, the refinancing squeeze, and buyer leverage
ASIC finds banks paid $55m over offset account errors, falling prices are reshaping refinancing, and buyers are gaining leverage. Plus three car loan myths to avoid.
- Market Updates16 Sept 2026
Rising rents, more buyer choice, and a Help to Buy boost
Capital city rents jumped 2.9% in a quarter, a cooling market is handing buyers more choice, and nearly 70% of Help to Buy applicants are single. Here is what it means for your next move.
- Home Loans1 Apr 2025
Help to Buy scheme and changes to how lenders consider student debt
More Australians on lower and middle incomes will be able to enter the property market sooner, after the federal government expanded the Help to Buy scheme in…
- Home Loans1 Apr 2025
More consumers buying EVs as tighter efficiency standards kick in
All new cars sold in Australia are now required to meet the New Vehicle Efficiency Standard (NVES), as of 1 January 2025. This incentivises car companies to…
- Home Loans26 Mar 2025
What the federal budget means for buying property
Last night, Federal Treasurer Jim Chalmers handed down his fourth federal budget. This year the budget is in a deficit, meaning it will spend more than it…
- Refinancing25 Feb 2025
How to refinance your home loan
Now that the Reserve Bank of Australia has reduced official interest rates, it’s likely a lot of borrowers are now wondering if they can get a better deal on…
- Business25 Feb 2025
Claiming the instant asset write-off for your business
Businesses may be able to claim an immediate deduction for the business portion of the cost of an asset in the year the asset was first used or installed ready…
- Home Loans25 Feb 2025
How to upgrade to a new, improved car loan
It’s common knowledge that it’s possible to refinance a home loan, but you may not realise it’s also possible to refinance a car loan. By refinancing, you may…
- Home Loans18 Feb 2025
Rental growth slows as affordability is stretched
Rents continued rising in 2024, with the national median rent climbing 4.8% over the year, according to CoreLogic. That included increases of 6.2% in the…
- Home Loans18 Feb 2025
The impact of natural disasters on property prices
As North Queensland continues to grapple with floods, it raises the question of how natural disasters impact property markets. Ray White Group Chief Economist…
- Market Updates18 Feb 2025
February cash rate cut: What it means for you
In positive news for many, the Reserve Bank of Australia (RBA) has today cut the cash rate. The cash rate is now at 4.10%, down from 4.35%, in the first cut…
- Home Loans17 Dec 2024
The pros and cons of paying for LMI
Many borrowers who have heard of lenders mortgage insurance (LMI) regard it as a bad thing. But that’s not necessarily the case. LMI is an insurance policy…
- Home Loans17 Dec 2024
Four different ways to finance a car purchase
When you are buying a new car, there are a number of factors to consider when selecting the right finance. One key decision is whether to use a secured or an…
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