Palm Tree Finance

Palm Tree Finance Home Loans, Car Loans, Personal Loans and Insurance. We can help with all your financial needs.

18/06/2026

CBA just slashed its Sydney and Melbourne price forecasts — and for some first home buyers, that means negative equity before the year is out.
Here's what it actually means, and when it becomes a real problem 👇
Sydney –6%. Melbourne –7%. And if you bought on a 5% deposit, the buffer is razor-thin.
The good news? Negative equity isn't a crisis if you can stay put. The bad news? It absolutely is if you need to sell or refinance.
DM me EQUITY and we'll look at your situation together.

17/06/2026

This couple saved $250,000 on their home build. And they didn't do anything dodgy — they just thought differently.
Flat-pack and prefab homes are a growing part of Australia's building landscape. One company has had 20,000 inquiries in two years. These aren't sheds — they're architecturally designed, fully insulated, and built to last.
The finance side is where it gets interesting. Construction loans for prefab and modular builds exist — but lender appetite varies significantly. Valuations work differently. Drawdown schedules are different. Not every bank will touch it.
If you've been quoted out of a traditional build, there may be a path in you haven't explored yet.
DM me BUILD and let's talk through your options. 🏠

16/06/2026

What $600k buys in Adelaide right now might surprise you.
• A 2-bed unit in St Morris (inner east) just sold for $621k
• Under the First Home Low Deposit Scheme, you only need 10% — not 20%
• That's ~$62k to get your foot in the door in an established suburb
• The real question: how long would it take YOU to save that?

15/06/2026

The Big 4 banks finally agree on June 16 rates — but their forecasts after that couldn't be more different.
• All 4 predict a hold on June 16 → cash rate stays at 4.35%
• CBA + ANZ: we've peaked, cuts arriving early 2027
• NAB: next move is DOWN — tipping 3.6% by end of 2027
• Westpac: one more hike in August to 4.85%, cuts not until 2028
• The gap between NAB and Westpac's peak = 1.25% — on a $600k loan that's real money

13/06/2026

52% of Australians have asked AI about their money. AI is great for learning the basics — but it doesn't ask the questions that actually matter. Your tax position. Your existing debts. Your family structure. Your lending. The stuff that turns "good advice" into the wrong advice. Learn with AI. Decide with someone who's obligated to get it right.
DM GAMEPLAN for a proper strategy session.

12/06/2026

The market didn't crash after the budget. It froze. 🧊
Buyers are waiting. Sellers are holding. And some lenders have already started repricing investor borrowing capacity — before the legislation even passes.
One Brisbane couple watched their investment budget drop from $600k to $500k overnight because of how their lender is now calculating serviceability.
If you've got a pre-approval sitting there, it's worth a conversation before the numbers shift again.
📩 Drop PAUSE in the comments and I'll reach out.

11/06/2026

Since 1985, Australia has had 10 property market downturns.
Every single one recovered. The average time from peak fall to stabilisation? 10.8 months.
This downturn has its own shape — tax changes, elevated rates, and global uncertainty all arriving at once. SQM Research is forecasting falls of up to 9% in Sydney and Melbourne this calendar year.
But Cotality's head of research framed the long view clearly: if you hold for long enough, the timing of your purchase almost doesn't matter.
The people who lose in property aren't the ones who bought during a correction. They're the ones who bought beyond their means, couldn't hold on, and were forced to sell at the bottom.
Knowing what you can genuinely afford to hold is more important than picking the perfect entry point.

10/06/2026

First home buyers are being told two completely opposite things right now.
Buy now — investor competition is down, negotiating power is the best it's been in years.
Or wait — SQM Research is forecasting prices in Sydney and Melbourne could fall up to 9% this calendar year.
Here's the honest answer: it depends on whether you're ready, not whether the market is perfect.
There have been 10 property downturns in Australia over the last 40 years. Every one recovered. The average length before prices stabilised and rose again? 10.8 months.
The buyers who regret their timing are the ones who moved without preparation. The ones who look smart in hindsight bought when their finance was solid, their deposit was real, and their brief was clear.
Are you there yet? Drop FHB in the comments and let's find out.

09/06/2026

A 4-bed Salisbury house just sold for $897k — three thousand dollars under Adelaide's $900k scheme cap, and it's a perfect case study in where the 5% deposit scheme actually gets you.
• 🏠 20 Sabina Street: 4 bed, 829m², sold 30 May 2026 for $897k — real example, not a hypothetical
• 📈 Salisbury median is $795k, up 22.3% in the past 12 months (Domain, June 2025–May 2026)
• 👥 1,292 buyers currently interested with only 18 homes available — that's the demand story in one number
• 💰 To borrow comfortably at this price: two incomes around $100k each, minimal other debt, ~$5k+/month in repayments

08/06/2026

Capital gains tax doesn't care how good a landlord you were — here's a real story that proves it.
• A below-market rent deal kept a small business alive for two decades — and the landlord still got slugged at the end • CGT is calculated on what the asset gained, not on the sweat you put in — something a lot of long-term holders don't plan for until it's too late • If you're sitting on property you've held for years, your CGT exposure is growing quietly in the background right now •
The lesson: get a CGT strategy mapped out before you list, not after settlement when the number's already locked in

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