JSB Financial

26/05/2026

With the next RBA decision due on June 16 and markets still reacting to the Budget and Middle East conflict, many borrowers are reassessing their position. Here are four issues worth watching:
• What the Budget changes could mean for investors
• How borrowers are coping with higher rates
• Refinancing activity jumps as rates rise
• New fund aims to unlock housing supply

Reach out for a chat with a local team that understands the market and genuinely cares about helping you move forward.

15/05/2026

This is a great summary from Carson Goh at BLG Business Advisors on the recent Federal Budget announcements, particularly the proposed reforms affecting businesses, trusts, and investors. Definitely worth a read for anyone wanting a clearer understanding of what may be ahead.

I especially liked the final thoughts from the article. While many of the proposed changes are significant, it is important to take a breath and not to overreact to headlines. Most major reforms are not expected to commence until 1 July 2027 or later, meaning there is still time to properly review structures, seek advice, and plan carefully.

A sensible and balanced perspective in what is currently a very noisy environment.

Read the article here - https://www.blgba.com.au/insights/major-tax-reforms-for-businesses-trusts-and-investors

Learn about the new Division 296 tax on superannuation and upcoming changes to contribution caps, effective from 1 July 2026. Discover how these updates may impact you.

21/04/2026

We’ve been that busy helping clients lately… our social media may have taken a little holiday 😅

But we’re back, and thought it was the perfect time to remind everyone what we do.

🏡 Illawarra Home Loans
• Home loans
• Refinancing
• First home buyers
• Investment lending
• Making the finance process simple

🏢 JSB Financial
• Commercial loans
• Business lending
• Private lending
• Debt consolidation
• Specialist lending solutions for complex scenarios

Whether it’s your home, your business, or your next move, we’re here to help.

📩 Reach out anytime for a chat.

02/02/2026

Property prices are still rising… even with affordability under pressure.

According to new housing data, values continued to climb in January despite higher living costs and interest rate pressure.

What does that mean for borrowers?
👉 Many buyers are still active, but being more selective
👉 Budgets are tighter, so loan structure is crucial
👉 Refinancing is increasingly about cash flow and certainty, not just rate chasing

In markets like this, the right loan setup can help protect your lifestyle while keeping future options open.

If you’re feeling unsure about buying, refinancing, or how to position yourself in the current market, getting tailored advice early can save a lot of stress later.



https://www.cotality.com/au/insights/articles/housing-values-continued-to-rise-in-january-despite-affordability-squeeze-and-renewed-cost-of-living-pressures

29/01/2026

Contact JSB Financial ⬇️or DM me to book a chat today!

• 💼 JSB Financial
• 💼 02 4226 4666
• 💼 [email protected]
• 💼 www.jsbfinancial.com.au

28/01/2026

More investors are stepping back into the market – and the data shows it’s a big shift.
The latest figures from the Australian Bureau of Statistics show the value of investor loan commitments jumped 17.6% in the September 2025 quarter, and was 18.7% higher than a year earlier.
Investors now account for 40.6% of the value of all new loan commitments, the highest share since 2016. That tells us investor confidence is building, even as affordability pressures remain.
--------------------------------------------------------------------------
If you’re shopping in the ‘affordable’ bracket, competition may be getting tougher, not easier.
Since the federal government expanded the 5% Deposit Scheme in October 2025, Cotality analysis shows homes under the scheme’s price caps have generally outperformed homes above them. In the December quarter, median prices rose 3.6% under the cap versus 2.4% above the cap.
Smart investing in 2026 may be less about pushing limits and more about keeping your lending options flexible.
--------------------------------------------------------------------------
A few trends are already shaping how investors approach the year ahead:
• Tighter lending for bigger loans. From February, banks must limit how many higher debt-to-income loans they write, which may reduce borrowing power for some investors and make outcomes vary more from lender to lender.
• Rates still matter – even between Reserve Bank meetings. Lenders can change pricing and serviceability settings independently, which can affect your borrowing capacity and your cash flow.
• More investors are using alternative pathways. Self-managed super fund investing and rentvesting are staying popular for people balancing lifestyle choices with longer-term wealth building.
With rules and lender settings moving around, the difference often comes down to which lender you use and how the loan is set up – repayment type, offset strategy, buffers and making sure today’s choice doesn’t block tomorrow’s plans.
--------------------------------------------------------------------------
If you have any questions in the above DM me and we can book a chat!

Contact JSB Financial or Illawarra Home Loans today:
• 🏡 Illawarra Home Loans- 🏡02 4226 5555
• 💼JSB Financial – 💼 02 4226 4666

21/11/2025

Over the years I have helped hundreds of people manage their finances and find the right home loan..........

18/11/2025

Cotality: Home value changes and the 5% Deposit Scheme……….

“Unusually strong home value increases” in the month of October coincided with the expansion of the Federal Government’s 5% Deposit Scheme. The policy enables eligible first home buyers to secure a low-deposit home loan without lender’s mortgage insurance. From October 1, it was scaled up to unlimited places and income eligibility, and the price caps associated with the scheme were increased across most regions.

https://www.cotality.com/au/insights/articles/home-value-changes-and-the-5-deposit-scheme

17/10/2025

Investors are jumping into the property market at the highest rate in almost a decade while most landlords who do sell up are making a profit thanks to rapid home price gains.

REA Group senior economist Angus Moore said investor activity had been strong in the past year, with the investor market busy on both the buying and selling sides. “Rental markets are very, very strong at the moment, which makes it attractive for those looking to get in,” he said.

As I have been saying for a while…. This is a supply side issue that does not look like it is getting any better anytime soon.

Investors are jumping into the property market at the highest rate in almost a decade while most landlords who do sell up are making a profit thanks to rapid home price gains.

10/10/2025

RBA governor Michele Bullock says First Home Guarantee could lead to riskier loans and sought to distance the RBA's interest rate decisions from rising property price rises, mostly blaming the housing shortage.

Guess what Ms Bullock is 100% correct …… it’s a supply side issue. Surprise surprise!

RBA Governor Michele Bullock says the federal government's First Home Guarantee scheme could see some Australians taking out riskier loans.