Formal Finance
Our business proposition is simple, provide outstanding service to those who seek finance to construct, purchase, develop or invest in property.
We do not shy away from the most complicated finance scenarios and we are always up for a challenge.
30/09/2026
🏡 Property listings climb higher, FOMO dials down 🏡
Things are looking up for homebuyers, reports Domain. 📈
Not so long ago FOMO (fear of missing out) was a driving force in the housing market. 😬
Today, new listings are up - while property prices in many parts of the country have plateaued (or even dipped).
That means buyers could have more negotiating power, and seller discounts are on the rise.
It’s a trifecta that could see the stars align for your homebuying plans. ⭐
Contact us to see how you could benefit. 👇
To find out more, DM us or contact Formal Finance on:
☎️ – 0409 383 838
💻 – [email protected]
29/09/2026
🗞📰 𝗥𝗕𝗔 𝗵𝗶𝗸𝗲𝘀 𝗰𝗮𝘀𝗵 𝗿𝗮𝘁𝗲 𝗳𝗼𝗿 𝗳𝗼𝘂𝗿𝘁𝗵 𝘁𝗶𝗺𝗲 𝘁𝗵𝗶𝘀 𝘆𝗲𝗮𝗿, 𝘂𝗽 𝘁𝗼 𝟰.𝟲𝟬% 📰🗞
Here we go again … The RBA has raised the cash rate for a fourth time this year to 4.60%. Check out this week’s article to find out why they felt the need to pass on more borrowing pain to mortgage holders. 🤔
https://formalfinance.com.au/knowledge-centre/f/rba-hikes-cash-rate-for-fourth-time-this-year-up-to-460%25
28/09/2026
📉 Lenders cut rates as competition heats up 📉
There’s a “rate war brewing”, according to Canstar.
A rising tide of lenders have cut their variable loan and short term fixed rates recently.
The catch? ⚠️
Lower rates are usually reserved for new customers. 💡
The solution? 🤝
Refinancing could see you become a new customer, and benefit from a more competitive loan rate.
Contact us to find out how. 👇
To find out more, DM us or contact Formal Finance on:
☎️ – 0409 383 838
💻 – [email protected]
24/09/2026
The federal budget introduced major tax reforms for property investors, but it may still be possible to enjoy the potential tax benefits of negative gearing. Here’s how it could be done. 🏘️
How you could still negatively gear a rental property The federal budget introduced major tax reforms for property investors, but it may still be possible to enjoy the potential tax benefits of negative gearing. Here’s how it could be done.
23/09/2026
🏡 Could your tax refund help wipe years off your home loan? 🏡
The average tax-agent prepared tax refund is $3,550, according to H&R Block.
Those extra funds could potentially help you pay off your mortgage sooner.
That’s because 100% of additional lump sum payments reduce your home loan principal. 📉
In turn, that lowers the total amount of interest you're charged each month thereafter.
So more of each of your following monthly repayments work harder to pay down the loan balance. 📊
Call us to know how to put your tax refund to work lowering your home loan. 👇
To find out more, DM us or contact Formal Finance on:
☎️ – 0409 383 838
💻 – [email protected]
21/09/2026
💪 Two-thirds of home loan borrowers focus on paying down debt 💪
A survey by Agile Market Intelligence shows 65% of home loan borrowers are currently focusing on paying down their mortgage sooner. 🙌
Even small extra repayments can make a considerable difference over the long run when it comes to paying less interest and reducing your home loan term.
Talk to us for strategies that could potentially help you clear the home loan slate sooner. 👇
To find out more, DM us or contact Formal Finance on:
☎️ – 0409 383 838
💻 – [email protected]
17/09/2026
In today’s easing market, it may be tempting to wait for property prices to fall further. But it’s a strategy that could see first home buyers left disappointed. 🙃
Why holding out for lower prices could hurt first home buyers In today’s easing market, it may be tempting to wait for property prices to fall further. But it’s a strategy that could see first home buyers left disappointed. We explain why.
16/09/2026
🩺 What happens in a home loan health check? 🩺
First, we check the pulse of your loan: does it still meet your needs? 💡
Next, we look at vitals like the interest rate and loan features. 📊
Then we scope the market to see if you could secure a lower interest rate or save money on fees. 💰
It’s all about having the home loan that helps keep you in great financial shape. 🏡
Call today to arrange a home loan health check. 👇
To find out more, DM us or contact Formal Finance on:
☎️ – 0409 383 838
💻 – [email protected]
14/09/2026
🏡 What's the ideal age to move out and buy your own home? 🏡
Research by Finder shows most Australians believe that by age 31 it’s well and truly time to fly the nest.
That’s not far off age 33 - the average age for first homebuyers (CommBank data). 🙌
Living with mum and dad throughout your 20s can have its advantages though, such as saving up more for a first home deposit.
And there are even federal government schemes, such as the First Home Super Saver Scheme, that can help boost those savings.
Contact us about pathways to buying your first home. 👇
To find out more, DM us or contact Formal Finance on:
☎️ – 0409 383 838
💻 – [email protected]
10/09/2026
Australia’s peak property season is underway, and spring 2026 is shaping up as a buyers’ market. Here’s what the experts say we can expect in the weeks ahead. 🌸 🏡
Spring selling season is here. What’s different in 2026? Australia’s peak property season is underway, and spring 2026 is shaping up as a buyers’ market. Here’s what the experts say we can expect in the weeks ahead.
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Address
333c Charles Street
Perth, WA
6006
Opening Hours
| Monday | 8am - 6pm |
| Tuesday | 8am - 6pm |
| Wednesday | 8am - 6pm |
| Thursday | 8am - 6pm |
| Friday | 8am - 6pm |
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