Alexander Heifetz - Loan Market

22/09/2026

✅ Card surcharges disappear from 1 October 2026. The RBA estimates Australians could save around $1.6 billion a year.

✅ The cost of processing card payments hasn't disappeared. Banks and card providers may recover it through higher fees or reduced rewards.

✅ Rewards cards could become less rewarding. Watch for lower points earn rates, smaller sign-up bonuses and fewer perks.

✅ Review your credit card before October. Compare the annual fee with the value of benefits you actually use.

✅ Never spend more simply to earn points. If you carry a balance, reducing expensive credit card interest should be the priority.

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

22/09/2026

Your repayment isn't just about the interest rate. Let's break down what also affects your numbers.

⏳ Loan term
Longer terms lower monthly payments but raise total interest costs shorter terms do the opposite! Choose based on YOUR goals.

💰 Repayment type
Principal & interest chip away at your balance, while interest-only keeps it low initially but raises lifetime costs.

Rate type
Fixed rates offer stability; variable rates adjust with market changes and may provide extra perks like offset accounts.

💵 Extra repayments & offset
Small additional payments or savings in an offset account can significantly cut overall interest. ⚡️

⚖️ Loan to value ratio (LVR)
A higher LVR may mean lenders mortgage insurance, which adds to your costs.

All these factors work together. Let’s chat about what is right for you..

DM if you want to crunch some numbers 📊

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

20/09/2026

The US Federal Reserve‘s shock call to raise interest rates for the first time since 2023 could push the Reserve Bank of Australia (RBA) to hike rates here, hitting house prices even harder, an expert warns...

The US Federal Reserve‘s shock call to raise interest rates for the first time since 2023 could push the Reserve Bank of Australia (RBA) to hike rates here, hitting house prices even harder, an expert warns.

18/09/2026

Embarking on a home loan journey is like climbing a mountain. The higher the loan, the steeper the ascent.

There are many different ways to the top and finding the right one for you could save years off your climb.

Ready to conquer your financial summit? 🏔️

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

17/09/2026

Have you ever looked at the latest inflation figures and wondered whether economists are living in the same country as you?

👉 Your personal inflation rate may be much higher than CPI. Housing, energy, mortgage and rental costs affect households very differently.

👉 Small differences compound into big costs. Housing-related expenses rising faster than inflation over decades significantly erodes household purchasing power.

👉 Government charges add substantially to housing costs. Property taxes, infrastructure charges and compliance costs eventually flow through to buyers and renters.

👉 Australia needs more financially viable housing supply. Planning approvals mean little if high construction and development costs prevent projects from being built.

👉 Blaming investors or migrants oversimplifies the affordability problem. Better coordination between housing, taxation, infrastructure and population policies is needed.

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work with clients across all Australian states, including clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

Have you ever looked at the latest inflation figures and wondered whether economists are living in the same country as you? We’re told inflation is...

17/09/2026

Australia is entering the largest intergenerational wealth transfer in its history, yet many families are preparing for it with little more than a signed will and a vague promise that everything will work itself out. And that is a risky assumption because wealth rarely moves neatly from one generation to the next, particularly when the family owns property, businesses, superannuation, trusts or assets accumulated across several decades. Of course, a will remains essential, but it is only one part of a much broader wealth transfer strategy.

✅ A will is only one part of wealth transfer planning. Property, superannuation, trusts and businesses can all require separate succession strategies.

✅ Australia’s great wealth transfer is already underway. Trillions of dollars will change hands, often through complex assets rather than cash.

✅ Families need to talk about inheritance before it happens. Explaining the reasoning behind decisions can reduce confusion, resentment and disputes.

✅ Prepare your heirs as well as your assets. Financial knowledge, shared values and an understanding of family structures can help the next generation manage wealth responsibly.

✅ Estate planning should be an ongoing process. Review your strategy as family circumstances, asset structures and wealth change over time.

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

Australia is entering the largest intergenerational wealth transfer in its history, yet many families are preparing for it with little more than a signed...

17/09/2026

You may have spent decades building your superannuation, carefully chosen who should inherit your assets and even prepared a legally valid will. Yet when you die, your super could still be distributed differently from the way you intended.

That is the uncomfortable message from new research suggesting approximately 15.7 million Australians do not have a binding death benefit nomination.

✅ Your super does not automatically follow your will. Without the right nomination, your super fund trustee may decide who receives your benefits.

✅ Millions of Australians may be exposed. Research suggests around 15.7 million Australians do not have a binding death benefit nomination.

✅ Binding and non-binding nominations are very different. A valid binding nomination directs the trustee, while a non-binding nomination generally leaves the final decision with them.

✅ You cannot simply nominate anyone you choose. Super laws restrict eligible beneficiaries, and tax consequences can vary depending on who receives the benefit.

✅ Super should be part of your broader estate plan. Regularly review your nominations and ensure your super, will, insurance and other estate planning arrangements work together.

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

You may have spent decades building your superannuation, carefully chosen who should inherit your assets and even prepared a legally valid will. Yet when...

16/09/2026

There is a particular kind of pride in an empty lounge room because the deposit came before the couch did. If you are in the saving phase right now, we would love to help you get to moving day sooner.

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/

15/09/2026

National Housing Market Update | September 2026

Watch the latest Housing Market Update across Australia.The housing and economic data is derived from the Cotality Hedonic Home Value Index for the month of August, released in September 2026.

Watch the latest Housing Market Update across Australia.The housing...

14/09/2026

Thinking about financing your next car but unsure how to structure your repayments?

We can help you figure out if a balloon payment is the right move for your lifestyle and budget

Please do not hesitate to contact me for more information or for any help with your finance needs including purchase of first home, new owner-occupied or investment property, refinance, construction and renovation, personal, business, commercial or car loans.

I work in all Australian states and with clients located overseas (expats, foreigners with Australian Permanent or Temporary Resident Visa).

Talk to me: https://broker.loanmarket.com.au/alexander-heifetz/