Your Finance Group
For all your Finance Needs... Home, Business, Refinance, Personal Loans. Are you looking for a better rate with exceptional service. LET'S CHAT
Your Finance Group has been established for over 14 yrs offering exceptional service in arranging finance for Home Loans, Business Loans, Vehicle and Equipment and Personal Loans. With over 55 yrs combined industry experience our dedicated team are well placed to assist you.
10/10/2026
📢 UPDATE: The ATO credit card payment ban has been delayed.
The Australian Government announced on 9 October 2026 that the ATO will continue accepting credit card payments until 30 June 2027.
The planned change had been due to take effect after 30 November 2026. The extension gives the ATO more time to consult, particularly with small businesses.
How could this affect you or your business?
If you or your business uses a credit card to make ATO payments, the previously announced 30 November cut-off no longer applies. The announcement extends the transition period; it does not state that the planned change has been permanently cancelled.
⚠️ General information only. Your Finance Group (YFG) Pty Ltd does not provide tax advice.
Do you use a credit card for ATO payments, and could a future change make managing your cash flow and other repayments harder?
YFG can help you look at business lending, refinancing, debt consolidation or cash-out lending. What may be available depends on your circumstances and lender requirements.
📩 Email: [email protected]
📚 Read the full article here:
https://www.news.com.au/finance/money/tax/jim-chalmers-intervenes-as-ato-credit-card-ban-delayed/news-story/2aab6d10be655af4b6c16a6d29c77ea2
🌐 Source: news.com.au
Official information: Australian Government - Treasury Ministers: https://ministers.treasury.gov.au/ministers/jim-chalmers-2022/transcripts/doorstop-interview-logan-queensland-6
⚠️ DISCLAIMER
General information only. This post is educational and does not take into account your objectives, financial situation or needs. It is not financial, credit, legal or tax advice. Tax payment options and ATO requirements may change. Check the ATO's current information or speak with a registered tax professional about your circumstances.
Your Finance Group (YFG) Pty Ltd | ABN 67 099 850 478 | ACL 386877 | ACR 529261
08/10/2026
📢 ATO credit card payment change: a date Australian taxpayers may need to know.
The Australian Taxation Office has announced that it will stop accepting credit card payments after 30 November 2026.
This change applies specifically to payments made to the ATO. It does not mean credit cards are being banned or will stop working elsewhere. The ATO says other payment methods will remain available.
The ATO also says taxpayers with a direct debit arrangement linked to a credit card need to update their payment method before their next instalment due after 30 November 2026.
Why should you know about this?
Some individuals and businesses currently use credit cards for ATO tax payments, including payment plans. The change may require adjustments for taxpayers who use this method.
⚠️ General information only. Your Finance Group (YFG) Pty Ltd does not provide tax advice.
📚 Read the full article here:
https://www.news.com.au/finance/small-business/nail-in-the-coffin-small-businesses-slam-ato-over-credit-card-payment-ban/news-story/b6906ae7b2049650931efb8648b7464b
Source: news.com.au
Official information: Australian Taxation Office: https://www.ato.gov.au/media-centre/ato-to-stop-accepting-credit-cards-after-30-november-2026
📩 Email: [email protected]
⚠️ DISCLAIMER
General information only. This post is educational and does not take into account your objectives, financial situation or needs. It is not financial, credit, legal or tax advice. Tax payment options and ATO requirements may change. Check the ATO's current information or speak with a registered tax professional about your circumstances.
Your Finance Group (YFG) Pty Ltd | ABN 67 099 850 478 | ACL 386877 | ACR 529261
🏙️ Australian retail property update: HTW September 2026 Property Clock
HTW's September 2026 Month in Review placed Australian retail markets across different stages of the property cycle.
This is HTW's generalised view at that point in time. It is not a forecast, valuation, performance indicator or signal to buy, sell or invest. Local property, lease, business and lending factors still need to be considered.
Considering commercial property finance or refinancing? Your Finance Group Pty Ltd can help you understand finance options and lender requirements based on your circumstances.
📩 [email protected]
📊 Source and credit: Herron Todd White (HTW), Month in Review September 2026, National Property Clock: Retail. Full report: https://htw.com.au/month-in-review/
⚠️ General information only. This is not personal advice or a recommendation. Lending criteria, fees, terms and conditions apply. Your circumstances should be assessed before you make a decision.
Your Finance Group Pty Ltd | ABN 67 099 850 478 | ACL 386877 | ACR 529261
🏢 Australian unit and apartment market update: HTW September 2026 Property Clock
HTW's September 2026 Month in Review placed Australian unit markets across different stages of the property cycle.
This is HTW's generalised view at that point in time. It is not a forecast, valuation, performance indicator or signal to buy, sell or invest. Conditions can differ by location, building, property type and individual circumstances.
Considering buying a unit or refinancing an existing unit loan? Your Finance Group Pty Ltd can help you understand home loan options and lender criteria based on your circumstances.
📩 [email protected]
📊 Source and credit: Herron Todd White (HTW), Month in Review September 2026, National Property Clock: Units. Full report: https://htw.com.au/month-in-review/
⚠️ General information only. This is not personal advice or a recommendation. Lending criteria, fees, terms and conditions apply. Your circumstances should be assessed before you make a decision.
Your Finance Group Pty Ltd | ABN 67 099 850 478 | ACL 386877 | ACR 529261
🏡 Australian house market update: HTW September 2026 Property Clock
HTW's September 2026 Month in Review placed Australian house markets across different stages of the property cycle.
This is HTW's generalised view at that point in time. It is not a forecast, valuation, performance indicator or signal to buy, sell or invest. Conditions can differ by location, property type and individual circumstances.
Considering a home purchase or refinance? Your Finance Group Pty Ltd can help you understand home loan options and lender criteria based on your circumstances.
📩 [email protected]
📊 Source and credit: Herron Todd White (HTW), Month in Review September 2026, National Property Clock: Houses. Full report: https://htw.com.au/month-in-review/
⚠️ General information only. This is not personal advice or a recommendation. Lending criteria, fees, terms and conditions apply. Your circumstances should be assessed before you make a decision.
Your Finance Group Pty Ltd | ABN 67 099 850 478 | ACL 386877 | ACR 529261
29/09/2026
📢 RBA cash rate update
The Reserve Bank of Australia has increased the cash rate target by 25 basis points (0.25 percentage points), from 4.35% to 4.60%, following its 29 September 2026 meeting.
🏡 Why does this matter?
If lenders increase variable home loan rates, repayments for affected borrowers may rise. Lenders may also change assessment rates or lending policies, which may reduce borrowing capacity for some applicants. Changes are not automatic and can vary by lender, product and individual circumstances.
📩 Concerned about how changing lender rates may affect your future lending plans? Email: [email protected] for a general discussion about the next steps.
📚 Source: Reserve Bank of Australia: https://www.rba.gov.au/
⚠️ General information only. This is not personal financial advice and does not take into account your objectives, financial situation or needs. RBA decisions do not automatically change lender rates. Lenders set their own rates, policies, pricing and timing. Lending criteria, fees, terms and conditions apply. Rates and information may change.
Your Finance Group Pty Ltd | ABN 67 099 850 478 | ACL 386877 | ACR 529261
28/09/2026
📌 RBA meeting reminder:
Australia’s next Reserve Bank of Australia (RBA) cash rate decision is scheduled for release at 2.30 pm AEST on Tuesday, 29 September 2026.
The RBA Monetary Policy Board is meeting on 29 September 2026. No cash rate decision has been announced. This Monday post is a timing reminder only. We will share a separate update after the official RBA decision.
Australians may follow RBA cash rate decisions because interest rates can affect borrowing, saving and broader economic conditions. Any lender response is separate: lenders decide if, when and how their interest rates, policies or pricing change.
📚 Source: Reserve Bank of Australia: https://www.rba.gov.au/
⚠ General information only. Not personal financial advice. This content does not take into account your objectives, financial situation or needs. An RBA cash rate decision does not automatically change lender interest rates; lenders determine their own rates, policies and pricing. Lending criteria, fees, terms and conditions apply.
Your Finance Group Pty Ltd | ABN 67 099 850 478 | ACL 386877 | ACR 529261 | [email protected]
10/09/2026
⚠️ Do you pay rent or strata fees through DEFT?
🏠 An important DEFT payment change is coming from Thursday, 1 October 2026.
From this date:
💳 Credit and debit card payments through deft.com.au will no longer be available.
📅 Any DEFT card payments scheduled from 1 October 2026 will be cancelled on that date.
Depending on what your biller offers, alternative payment methods may include PayID, BPAY or one-off and recurring direct debits from an Australian bank account.
If this change affects you, contact your property manager, strata manager or biller and update your payment arrangements early. Remember to allow enough time for your payment to clear.
📚 Read the full article here:
https://www.news.com.au/finance/real-estate/popular-payment-system-deft-to-ban-all-debit-and-credit-card-rent-payments/news-story/710e406f543267f899b993c0dc16a65b
Source: News.com.au
Official information: DEFT - https://www.deft.com.au/change.html
⚠️ General information only. Available payment methods, processing times and fees may vary. Please confirm your options directly with your biller or DEFT.
Aussie bank suddenly kills pay system, millions hit A leading national payment system, that handles 1.2 million rental payments per month, is making sweeping changes to the way Australians can pay their rent and strata payments.
🏘️ Home Loans – Investment
📊 Indicative Interest Rate Update
Rates current as of 04 September 2026.
📩 If you would like to understand how these sample rates compare with your current investment loan, email [email protected] to request a formal rate and structure assessment.
This update includes sample competitive interest rate examples sourced from selected participating lenders within our approved panel at the time of search.
Sample assumptions used:
Loan Amount: $600,000
Security Value: $750,000
Maximum Loan-to-Value Ratio (LVR): 80%
Loan Term: 30 years
Principal & Interest repayments
Investment lending conditions, interest rates and lender policies can change over time. Actual interest rates will vary depending on the lender, loan product, borrower profile and individual circumstances.
📩 If you would like to understand how these sample rates compare with your current investment loan, email [email protected] to request a formal rate and structure assessment.
⚠️ Disclaimer
Sample competitive interest rate examples sourced from selected participating lenders within our approved panel at the time of search.
Rates are indicative only, subject to change without notice and may not be available at the time of application. Available to eligible borrowers only and subject to lender assessment, lending criteria, loan amount, LVR, security, repayment type and individual circumstances. Fees and charges may apply.
The comparison rate is based on a loan amount of $150,000 over a 25 year term.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Full terms and conditions are available on application.
Lending criteria, terms and conditions apply. General information only. Not personal advice.
Your Finance Group Pty Ltd | ABN 67 099 850 478 | ACL 386877
🏡 Home Loans – Owner Occupied
📊 Indicative Interest Rate Update
Rates current as of 04 September 2026.
📩 If you would like to understand how these sample rates compare with your current home loan, email [email protected] to request a formal rate and structure assessment.
This update includes sample competitive interest rate examples sourced from selected participating lenders within our approved panel at the time of search.
Sample assumptions used:
Loan Amount: $600,000
Security Value: $750,000
Maximum Loan-to-Value Ratio (LVR): 80%
Loan Term: 30 years
Principal & Interest repayments
Interest rates, lender policies and borrower circumstances can change over time. Actual interest rates will vary depending on the lender, loan product, borrower profile and individual circumstances.
⚠️ Disclaimer
Sample competitive interest rate examples sourced from selected participating lenders within our approved panel at the time of search.
Rates are indicative only, subject to change without notice and may not be available at the time of application. Available to eligible borrowers only and subject to lender assessment, lending criteria, loan amount, LVR, security, repayment type and individual circumstances. Fees and charges may apply.
The comparison rate is based on a loan amount of $150,000 over a 25 year term.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Full terms and conditions are available on application.
Lending criteria, terms and conditions apply. General information only. Not personal advice.
Your Finance Group Pty Ltd | ABN 67 099 850 478 | ACL 386877
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