Ask Alan, Blog and Articles...

Opportunities from the Budget: Investors: A Longer Read…

This email may cause some controversy, but if you are someone who aspires for a better financial future, read on. If you do not, and that is perfectly ok, then this email is not for you. There are proposed changes to the rules for property investing, so let me guide...

Opportunities from the Budget : Owner Occupiers

In the most contentious Budget in recent memory, significant changes have been flagged that impact housing. Investors are leaving the existing homes market due to changes in negative gearing and capital gains. There is evidence that this is already happening with...

Two Opportunities from the Budget

Most people will only hear the noise around this Budget. But amidst all of the noise there are actually TWO very clear opportunities. The first is owner occupied purchases. As investors step away from existing property stock, the market is becoming flatter and more...

What to make of the Budget 2026?

Depending on your point of view, this Federal Budget is either about intergenerational fairness or intergenerational theft. That sounds dramatic, but beneath the headlines and political theatre sits a very real philosophical divide about housing,...

Housing Changes in the Budget – it’s about INVESTMENT

If you have no intention of ever investing in property, then these Budget changes are unlikely to affect you. Many of my clients simply want to buy a home, raise a family, and perhaps upgrade or relocate over time, while using employer superannuation to help protect...

Interest Rates – Where to From Here?

The Reserve Bank yesterday lifted interest rates back to the previous post-COVID peak. While there is still some uncertainty about what lies ahead, there are a few important things we do know. First, we have been here before, and we came through it only last...

Interest Rate Rise – A surprise or not? What should you do?

The Reserve Bank initially eased the cash rate from 4.35% to 3.60%, but it has since moved back up to 4.10%. What lies ahead, and what should you do? In the view of most experts, the Reserve Bank was expected to wait for the March inflation figures (released in April)...

2026 The Year Ahead: What we know, what we don’t and how people behave…

2025 was a very easy year to predict. Let’s look back at what I said: There would be an election. There was. The Liberals were a confused shambles. Labor was returned in a landslide. Interest rates would fall. They did, three times. As a country, affordability would...

A Melbourne Cup Day Prediction

These are the things I know… The great race starts at 3pm Melbourne time. It’s raining in Melbourne today, and the track is already rated a soft 7. More rain is expected — maybe just before, during, or after the race — so the track could be downgraded even further....

A September Interest Rate Update

Interest Rates With the current Reserve Bank Cash Rate at 3.60%, a fair rate for an owner-occupied home loan is currently between 5.4% and 5.6%, depending on the level of equity you hold in your home. Typical bank deposit rates for savings are sitting at 3.80%, and...

Opportunities from the Budget : Owner Occupiers

In the most contentious Budget in recent memory, significant changes have been flagged that impact housing. Investors are leaving the existing homes market due to changes in negative gearing and capital gains. There is evidence that this is already happening with...

read more

What to make of the Budget 2026?

Depending on your point of view, this Federal Budget is either about intergenerational fairness or intergenerational theft. That sounds dramatic, but beneath the headlines and political theatre sits a very real philosophical divide about housing,...

read more

Interest Rates – Where to From Here?

The Reserve Bank yesterday lifted interest rates back to the previous post-COVID peak. While there is still some uncertainty about what lies ahead, there are a few important things we do know. First, we have been here before, and we came through it only last...

read more

A Melbourne Cup Day Prediction

These are the things I know… The great race starts at 3pm Melbourne time. It’s raining in Melbourne today, and the track is already rated a soft 7. More rain is expected — maybe just before, during, or after the race — so the track could be downgraded even further....

read more

Explore Our Blog Topics

Mortgage Tips & Advice

Industry News & Updates

Home Buying Strategies

Financial Planning & Budgeting

Why Choose Us

Expert Guidance

Benefit from Alan’s extensive experience and in-depth knowledge of the mortgage industry.

Competitive Rates

Access exclusive mortgage rates that are tailored to suit your financial needs.

Personalized Service

Enjoy a customized mortgage experience with solutions designed just for you.

Ready to Secure Your Dream Home?

Reach out to Alan Heath for expert mortgage advice and personalized solutions. Schedule your consultation now to explore the best options for your financial future.