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June 2025 | Money Matters

From turning on the heater to settling down in front of the television when the cold weather hits, energy costs generally tend to rise.

If you’re keen to save money – and who isn’t, here are our top tips for staying warm without breaking the bank! Some suggestions cost nothing, and some are more expensive, but might be something to think about for next year, especially if you intend to stay in your home for a long time.

 

Energy-efficient home assessments.

May 2025 | Money Matters

The Reserve Bank of Australia (RBA) has reduced the official cash rate by 25 basis points to 3.85% following its most recent board meeting on 20 May 2025.

This is the second rate cut this year. Since 2020 rates had only increased or held steady.

If banks and other lenders choose to pass on the rate cut in full, people with a $650,000 mortgage could save around $1000 a year on their repayments.

May 2025 | Money Matters

The second term of the Albanese Government will continue and expand their first term housing initiatives aimed at homebuyers and building new homes.

First home buyers have received much of the attention.

Eligible first home buyers will only need a 5% deposit, while 100,000 homes available exclusively to first home buyers are planned.

April 2025 | Money Matters

Mark Polatkesen at Mortgage Domayne doesn’t think it’s fair to compare renting a home to buying one.

On one hand, renting a property to live in can be less expensive than buying a home and paying a mortgage.

Mark says it’s a mismatch because paying a mortgage means you will eventually own the home if you see it through.

March 2025 | Money Matters

So, you’re getting ready to move into your new home. Even if you’re on a tight budget, it’s still possible to it deck out with everything you need.

Creating a cost-effective – but well-equipped – home requires good imagination and some strong will to live within the parameters of the budget you’ve set yourself.

Here are our top tips for doing exactly that.

Needs v Wants.

February 2025 | Money Matters

The past couple of years have seen a major upheaval in the lending landscape. Consecutive interest rate rises have driven mortgage repayments up and tightened lending criteria.

Coupled with the increasing cost of living, there’s no doubt this has made things more challenging for home owners, prompting many to look at how they can claw some of their money back by refinancing their home loans.

Certainly, done correctly, switching loans can add up to big savings over the long term. So, here’s the lowdown on how to refinance and find a loan that’s right for you.

November 2024 | Money Matters

There's nothing worse than opening your energy bill and finding it's higher than expected.  

So it’s time to take charge and look at how you can at how you can cut electricity costs around your home and save more on your electricity bill.

There are plenty of changes - big and small, that can add up to reduce your bills and help you play your part in reducing emissions. Here are our top tips for keeping the energy meter down and putting more money back into your pocket.

Heat and cool your space efficiently.

August 2024 | Money Matters

About the Fund

The Victorian Homebuyer Fund is a shared equity scheme provided by the Victorian Government.

This means the government can contribute up to 25% of the purchase price of your home.

The contribution reduces the amount you need to borrow from an approved lender and your mortgage repayments.

For Aboriginal and Torres Strait Islander homebuyers, the government can contribute up to 35%.

July 2024 | Money Matters

Choosing a builder for a new home can be time-consuming, but it’s well worth the effort considering the amount of money involved, because making the right choice for you will directly influence not only the build quality of your home but also your enjoyment of the whole process.

Here’s a few pointers that will help you decide which builder is right for you.

July 2024 | Money Matters

The Australian Government has announced 50,000 places for the Home Guarantee Scheme over the 2024-25 financial year. The initiative is to support eligible home buyers to buy a home sooner.

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