Your resource for expert insights, market updates, and practical guides to help you navigate the Australian property market with confidence. Here, we break down complex topics into simple, actionable advice to empower you on your financial journey.
If you’re a first home buyer in Australia in 2025, you’ve got more support than ever before. From 1 October 2025, major updates to government schemes have made it easier to buy your first home. With higher property price caps, no income restrictions, and expanded concessions, now is the perfect time to understand what you …
Managing debt smartly can be one of the best ways to build long-term wealth. One strategy many property owners use is debt recycling. This approach helps you turn your home loan — which is non-deductible debt — into investment debt, which may be tax-deductible. At Hayes Financial, we stress that it isn’t for everyone, but …
After a long stretch of rising interest rates and higher repayments, the tide is finally starting to turn. In recent weeks, several major and regional lenders have begun offering fixed home loan rates under 5%, sparking renewed interest in refinancing, upgrading, and entering the property market. At Hayes Financial, we’ve been following these shifts closely …
At Hayes Financial, we understand the unique challenges and opportunities that come with a career in healthcare. That’s why we’re passionate about helping doctors, registered nurses, and other health professionals access the home loan packages designed especially for them. These “medical professional packages” (often called “doctor home loans”) can give you significant benefits, helping you …
