Essential Tips for First-Time Home Buyers in NSW

Remember to account for additional costs such as stamp duty, legal fees, and moving expenses. These can add up quickly and impact your overall budget. It's essential to have some financial buffer to cover these unexpected costs.

Researching the Market

The property market in New South Wales can be highly competitive. It's important to conduct thorough research to understand current trends, property values, and growth prospects in different areas. Familiarise yourself with the neighbourhoods you are interested in and consider factors like proximity to schools, public transport, and amenities.

Utilising online resources, attending open houses, and speaking with local real estate agents can provide valuable insights into the market. This knowledge will empower you to make informed decisions when it comes time to make an offer.

Getting Pre-Approval for a Loan

Before you start house hunting, it’s advisable to get pre-approval for a mortgage. This process involves a lender evaluating your financial situation to determine how much they are willing to lend you. Pre-approval gives you a clear idea of your price range and shows sellers that you are a serious buyer.

To get pre-approved, you’ll need to provide documentation such as proof of income, credit history, and personal identification. Make sure to compare offers from different lenders to secure the best interest rates and terms.

Choosing the Right Home

Once you have a budget and pre-approval, you can start looking for homes that meet your criteria. Make a list of must-have features and prioritise them according to your needs. Consider factors like the number of bedrooms, outdoor space, and potential for future renovations.

It’s easy to get swept up in the excitement of viewing properties, but always keep your budget and requirements in mind. Don’t be afraid to walk away if a property doesn’t feel right or exceeds your budget.

Making an Offer and Closing the Deal

When you find the perfect home, it’s time to make an offer. Work with your real estate agent to determine a fair offer based on market research and the property’s condition. Be prepared to negotiate with the seller to reach a mutually agreeable price.

Once your offer is accepted, you’ll enter the closing process. This involves finalising your mortgage, conducting inspections, and completing legal paperwork. It’s wise to have a solicitor or conveyancer guide you through this process to ensure everything is in order.

Preparing for Move-In Day

With the deal closed, it’s time to prepare for moving into your new home. Create a checklist of tasks to complete before move-in day, such as setting up utilities, packing, and arranging for movers. This will help you stay organised and reduce stress during the transition.

Take the time to familiarise yourself with your new neighbourhood and introduce yourself to your neighbours. Building a supportive community can make settling into your new home a more enjoyable experience.

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Federal Budget - Capital Gain Tax Discussion

By Into Finance Lending Solutions Client • February 13, 2026

As the budget draft for 2026-27 is being drawn, one of the most hotly discussed pieces is the Labor Government talk to reduce the Capital Gain Tax discount on property sales. While revenue is required for a functioning country, the effect of this proposal will impact all Australians. Property investors while in the short term will hurry to sell their properties, in the long term they will hold onto their properties longer. For developers, the higher Capital Gain Tax margin will reduce the financial viability of these new building sites. Creating a knock-on effect on housing affordability, decrease in new home construction, decrease first-time home buyers, and increased housing shortages. Renters will also certainly feel this hit! With property investors unlikely to sell, the rental prices are sure to increase. Making it even more difficult for Australians to live the dream of having their own roof over their heads. The very thing the government is trying to increase with these changes. I'd propose getting a 100% discount on CGT for investment properties sold within the next five years. This will allow more stock to come onto the market, triggering a drop in house prices. Therefore, creating greater affordability through a flood of new properties in the market and reducing property prices. #CGT #CapitalGainsTax #PropertyTax #RealEstateTax #HousingTax

Global map showing inflation rates by country in 2023, with red bars representing high rates — Into Finance Lending Solutions in Harrington, NSW

By Into Finance Lending Solutions Client • January 13, 2026

Global I nflation in 2025: What It Means for Australian Borrowers Inflation remains one of the most closely watched economic indicators in 2025, shaping central bank decisions and influencing household budgets worldwide. The latest data from the International Monetary Fund (IMF) and the Reserve Bank of Australia (RBA) paints a complex picture of global and domestic inflation trends and what they mean for mortgage holders and prospective buyers. Global Inflation Trends According to the IMF, global inflation peaked at 9.6% in September 2022 and has been on a downward trajectory since. By September 2025, the global average stood at 3.6%, with advanced economies and emerging markets both experiencing a slowdown in price growth. However, the decline is uneven: Venezuela leads with a staggering 269.9% inflation rate. Sudan, Zimbabwe, and Iran also face double-digit inflation. On the other end, China, Panama, and Switzerland report near-zero inflation. This disparity reflects differing monetary policies, geopolitical pressures, and economic resilience across regions. Australia’s Inflation Outlook Domestically, the RBA reports that both headline and underlying inflation have eased into the target range of 2–3%. As of late 2025, Australia’s inflation rate sits at 3.4%, slightly above target but significantly lower than the global average. Key drivers include: -Easing supply chain constraints -Stabilizing energy prices -Softer labour market conditions RBA Policy Response The RBA has maintained the cash rate at 3.6% throughout the second half of 2025. While inflation is moderating, the central bank remains cautious, signalling that future rate decisions will depend on: -Wage growth trends -Consumer spending resilience -Global economic risks Implications for Mortgage Holders For Australian borrowers, this environment presents both challenges and opportunities: 1. Refinancing Windows With rates stable, now may be a strategic time to refinance before any potential hikes in 2026. 2. Fixed vs. Variable Decisions Borrowers should reassess whether their current loan structure aligns with their risk tolerance and financial goals. 3. Inflation-Proofing Your Budget Even modest inflation can erode purchasing power. Reviewing household budgets and loan repayments is essential. Final Thoughts While global inflation remains volatile, Australia’s relatively stable outlook offers a degree of certainty for homeowners and buyers. Staying informed and proactive is key and working with a mortgage broker can help navigate these shifting conditions with confidence. For tailored advice or a loan health check, reach out anytime.