Latest Articles from ATS Finance Now

1st November 2026

Unlock the Secrets to Releasing Equity from Your Home

How Miami homeowners can tap into property equity to fund renovations, invest, consolidate debt, or grow a business without selling up.

26th October 2026

Everything You Need to Know About Refinancing Fees

Understanding application fees and upfront costs when refinancing your mortgage in Southport and across the Gold Coast

11th October 2026

Simple hacks to unlock equity for your next renovation

How Labrador homeowners can refinance to access property equity and fund renovations without dipping into savings or credit cards.

27th September 2026

Top Strategies to Refinance Your First-Time Buyer Rate

If you bought your first home a few years back, your interest rate might no longer reflect what's available now in Coomera's changing lending market.

13th September 2026

Proven Tips to Know When to Refinance Your Home Loan

Biggera Waters homeowners can save thousands by refinancing at the right moment, but timing matters more than most people think.

30th August 2026

Beginner's Guide to Refinancing for a Lower Rate

How Southport homeowners can reduce their mortgage rate, cut monthly repayments, and save thousands without changing their loan structure.

16th August 2026

Avoid These 5 Mistakes When Refinancing to Cut Rates

Ashmore homeowners can reduce monthly repayments by switching lenders, but only if they avoid the traps that cost more than they save.

9th August 2026

How to Refinance and Access Equity for Investment

Pulling equity from your Labrador home to fund your next investment property could unlock opportunities without selling your existing asset.

2nd August 2026

Refinancing: The Pros and Cons of Switching to Fixed

Considering a move from variable to fixed rate in Labrador? What to weigh up before you lock in your home loan rate.

19th July 2026

Refinance to Access Equity for Education Costs

How Helensvale homeowners can use property equity to fund school fees, university costs, and vocational training without disrupting household cashflow.

19th July 2026

Avoid These 3 Mistakes When Refinancing to Change Terms

Refinancing your mortgage in Pimpama to adjust loan terms can improve cashflow or reduce costs, but only if you avoid the common traps.

24th June 2026

How Long Refinancing Takes & What to Expect

The realistic timeline for refinancing your home loan in Biggera Waters, from application to settlement and what slows the process down.

7th June 2026

Everything You Need to Know About Refinancing to Cut Monthly Payments

How Robina homeowners are lowering their repayments by switching to a lower rate or restructuring their mortgage without extending their loan term

18th October 2026

When to Lock In & When to Stay Variable on Your Home Loan

The local property market in Molendinar moves quickly, and your loan structure should match your plans, not a one-size-fits-all approach.

7th September 2026

Everything You Need to Know About Home Loan Approval Times

How long does it take to get a home loan approved in Molendinar, and what can you do to speed things up?

23rd August 2026

Renting vs Buying: Everything You Need to Know

Weighing up whether to keep renting or buy in Labrador? This guide walks you through the financial comparison that matters.

23rd August 2026

Common Mistakes That Block Home Ownership in Helensvale

How small deposit choices, credit slip-ups, and loan structure decisions affect whether you can buy in this growing northern Gold Coast suburb

19th August 2026

How to Finance a Duplex Purchase in Robina

What you need to know about home loan options, deposit requirements, and lender criteria when buying a duplex in this master-planned Gold Coast suburb

16th August 2026

Offset Accounts: Avoid These 3 Mistakes with Your Home Loan

How Biggera Waters residents can use offset accounts to reduce interest without locking away their savings or losing access to cash

9th August 2026

The Easiest Way to Finance Vacant Land in Southport

Vacant land loans work differently to standard home loans, and understanding the differences could save you thousands when building in Southport.

28th July 2026

Proven Tips to Buy a Home Closer to Family in Pimpama

Moving closer to family changes how you approach location, budget, and loan structure when buying in Pimpama's growing housing market.

27th July 2026

The Pros and Cons of Home Loans for Townhouses

What changes when you're financing a townhouse in Biggera Waters, and how to structure your loan to match the property type.

23rd July 2026

The Pros and Cons of Buying a Home with a Backyard

What Miami buyers need to know about securing finance for a property with outdoor space and how your loan structure affects what you can afford

15th July 2026

10 Ways Income and Employment Shape Your Home Loan

How lenders assess your income, what employment types work in your favour, and the documentation that makes or breaks applications in Robina.

12th July 2026

The Ups and Downs of Home Loan Interest Rates

How fixed, variable, and split rate options affect what you pay each month and what that means for Coomera buyers.

12th July 2026

Unlock the Secrets to Purchasing Your Next Home in Helensvale

How to secure the right home loan for your next property purchase in Helensvale with clarity on rates, features, and lender options

5th July 2026

The easiest way to buy a home closer to work

Moving closer to work in Ashmore can save you time and money, but the home loan structure you choose makes all the difference.

5th July 2026

How to Avoid LMI on Your Pimpama Home Loan

Lenders Mortgage Insurance can add thousands to your purchase. Understanding how it works and when you can avoid it matters for Pimpama buyers.

16th June 2026

Understanding the Basics of Property Valuation

How lenders assess your Robina property's worth, why the valuation might differ from purchase price, and what it means for your borrowing capacity.

14th June 2026

Avoid These 4 Mistakes When Picking a Loan Structure

Choosing between variable, fixed, or split rates affects more than just your interest bill. Understanding the right loan structure for your Miami property matters.

11th June 2026

Top tips to prepare for home loan settlement

Settlement day is when your home loan funds are released and ownership transfers. Here's what you need to know to avoid last-minute delays.

9th June 2026

Why Four Bedroom Homes Need Different Loan Strategies

Molendinar buyers often need higher borrowing capacity and specific loan features when stepping up to a four bedroom property.

31st May 2026

Home Loans in Biggera Waters: Everything You Need to Know

How waterfront location, unit density, and local lending patterns shape the home loan you can access in this Gold Coast suburb

5th October 2026

Investment Loan Applications: What Not to Skip

How lenders assess investor borrowing differently, what counts in your favour, and how to avoid the missteps that delay approval or reduce what you can borrow.

20th September 2026

Do you know when rental income actually helps borrowing?

Cash flow management for Helensvale investors who want to grow a portfolio without bleeding money every month.

12th August 2026

Smart ways to approach investment risk assessment

How Pimpama property investors balance rental return, tax structure changes and borrowing capacity to make decisions that hold up long-term

5th August 2026

Top Strategies to Unlock Variable Rate Investment Loans

Discover how variable rate features can reshape your property investment strategy and deliver tangible flexibility in Miami's diverse rental market.

2nd August 2026

Investment Loans & What Not to Do With Timing

The new negative gearing rules landing mid-2027 mean timing your Robina investment property purchase now carries consequences that will follow you for decades.

21st July 2026

Smart Ways to Fund an Investment Apartment Purchase

A practical look at investment lending for apartment buyers in Southport, including what's changed and what you need to know before applying.

12th July 2026

Understanding the basics of fixed rate investment loans

How locking in your rate affects cash flow, deductions and your ability to adapt when rules change mid-hold

30th June 2026

How to Save Your Investment Property Deposit Faster

What Molendinar property investors need to know about deposit requirements, LVR limits, and getting into the market sooner than expected.

28th June 2026

Smart Ways to Approach Rate Locks and Break Costs

Fixed rates on investment loans can protect your cash flow, but understanding break costs before you lock in could save you thousands if circumstances change.

28th June 2026

Why Property Investment Success Depends on the Loan

How Southport investors are using loan structure, not just location, to build rental portfolios that generate income and long-term capital growth.

21st June 2026

Smart ways to approach tax deductions for investment loans

How Coomera property investors can structure their loans and claims to reduce taxable income while building long-term wealth through rental properties.

21st June 2026

Do you know how to fund your first investment property?

Borrowing for an investment property works differently to an owner-occupied loan, from deposit size to serviceability and tax treatment.

7th June 2026

What are Investment Loan Features & How They Work

Understand the key features of investment loans and how to structure your property finance to match your wealth-building strategy in Ashmore and beyond.

3rd June 2026

Top tips to choose the right investment property type

Units, houses, and new builds all come with different lending rules, tax treatment, and cash flow profiles that directly affect your returns in Labrador.

31st May 2026

Understanding the basics of Fixed Rate Investment Loan Fees

What fixed rate investment loans cost upfront, ongoing, and when you need to make changes before the term ends.

3rd November 2026

RBA continues cracking the whip with fifth rate hike this year

Mortgage holders are once again left holding the bag on Melbourne Cup Day with the RBA lifting the cash rate to 4.85%, its highest level in 18 years. If your repayments are starting to bite, here’s how we could help you rein in your interest rate.

28th October 2026

First homebuyers change tack to kickstart their property goals

First homebuyers are rethinking their path to property. We reveal how the ownership dream is evolving, and the strategies first homebuyers are using to achieve their goals.

19th October 2026

Keen to save on your purchase? Seller discounts just hit a 5-year high

Eager to score a price discount on your home purchase? Of course you are. We reveal how much of a discount sellers are currently offering – and what you can do to flex your negotiating muscle.

13th October 2026

A record 82% of home loans rely on mortgage brokers. Here’s why.

What does Australia have in common with the United Kingdom and the Netherlands? In all three countries brokers facilitate more than 80% of new mortgages. We explain why.

7th October 2026

What does a good home loan rate look like now?

A fourth rate rise for 2026 has just made checking your home loan rate a priority. But what does a ‘good’ rate look like right now? We reveal what’s currently a competitive rate, and how you may be able to land one.

29th September 2026

RBA hikes cash rate for fourth time this year, up to 4.60%

Here we go again … The Reserve Bank of Australia (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.

23rd September 2026

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.

15th September 2026

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.

8th September 2026

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.

1st September 2026

Could rates lift off again before Xmas? Here’s how to prepare

Several of the big banks have pivoted on their rate outlook, and are now predicting rate hikes (rather than no change or a fall) this side of Christmas. It could be a cue for homeowners to plan rather than panic.

25th August 2026

Could you spot a property scam? Spoiler alert: over 2 in 5 can’t

Property transactions involve big bucks – and that makes them a big target for scammers. With large sums of money at stake, we reveal what to look out for, and how to protect yourself from property settlement scams.

19th August 2026

The silver lining of a cooling property market for home owners

While rising prices were the talk of the town not so long ago, the tide has started to turn, with property values beginning to soften – but it’s not all bad news for home owners.

11th August 2026

What’s a competitive rate right now? Nearly 50 lenders offer variable rates below 6%

Great news! Homeowners can breathe a sigh of relief, with the Reserve Bank of Australia (RBA) keeping the cash rate on hold in August. But just because the cash rate is sitting tight, doesn’t mean you have to.

4th August 2026

Was your offset account flagged in the ASIC investigation?

So it turns out some mortgage offset accounts haven’t been working as intended, according to a recent investigation. Here’s how to check if your home loan offset account has actually been helping you save.

29th July 2026

How to avoid this common home buyer trap

Waiting for home prices to ‘bottom out’ before buying may seem like a smart strategy but it could work against you. Here are the risks of holding out and hoping for lower prices.

21st July 2026

Great news for buyers: property listings spike, FOMO dials down

Things are looking up for homebuyers. New listings are on the rise, and that can mean more choice and less FOMO pressure for buyers. Here’s how the shift in today’s market could benefit your homebuying plans.

14th July 2026

Lenders cut rates as competition heats up

The Reserve Bank may have kept rates on hold in June, but a growing number of lenders have cut their home loan interest rates. This could be your sign to review your current loan.

7th July 2026

Bank of Mum and Dad: why a written agreement can make sense

With more first home buyers relying on family support to get into the market, we explain why it may be beneficial to put the details in writing if Mum and Dad offer a financial helping hand. 

30th June 2026

New financial year, new reasons to review your home loan

As the calendar flips over to July, now’s a good time to give your home loan a once-over. We look at five strategies that could help you save on interest and pay off your mortgage sooner.

24th June 2026

How the property market is shaping up in your area post budget night

It’s just over a month since the Federal Government unveiled its tax reforms on budget night. Here’s how property values are responding across the major cities.

16th June 2026

Record smashed: over 80% of buyers turn to a broker for help

The mortgage broking industry has notched up an exciting record with the news that brokers now account for 81% of Australia’s residential lending market. Here’s why.

9th June 2026

5 tips to help you clear your mortgage by retirement

Worried you’ll still be paying off your mortgage in retirement? New research shows you’re not alone. Here are five tips to help clear the slate before you hang up your work boots.

2nd June 2026

Not a housing “crash” – easing growth and plenty of buying opportunities

House price growth is slowing but experts say not to expect a crash. We look at what’s changed, and why today’s market may offer good opportunities for homebuyers.

26th May 2026

Gen Z races into the property market

A few tweaks to a popular first home buyer scheme has driven a “surge” in Gen Zs buying their first home. And it’s not the only upside giving first home buyers a boost now.

24th May 2026

Variable Rate Loans & What They Mean for Miami Buyers

Understanding how variable rate home loans work and when they make sense for property buyers in the Miami area

24th May 2026

What Not to Do When Buying a Holiday Rental Property

Thinking about buying a holiday rental in Pimpama or nearby? Here's how to structure the finance without overlooking rental gaps or tax planning.

20th May 2026

Home loan interest rate rising? There may be other options

It was great while it lasted, but the rate cut party is well and truly over. Today we look at how you could potentially reduce your home loan interest rate without relying on the Reserve Bank.

19th May 2026

Proven Tips to Calculate Your Home Equity in Robina

Understanding how much equity sits in your property is the first step to refinancing, accessing funds, or upgrading your loan features.

14th May 2026

Variable Rate Investment Loans and Extra Repayments

How additional payments on variable rate investment loans affect your tax position, cash flow flexibility, and overall portfolio growth in Biggera Waters.

13th May 2026

Federal Budget 2026: how it could affect your property plans

Reforms to negative gearing and capital gains tax have been unveiled in the latest national budget. Here’s what they could mean for investors, first home buyers and home owners.

12th May 2026

Can I Refinance to Get a Lower Interest Rate?

How Miami homeowners can cut their home loan rate, reduce monthly repayments, and save thousands by switching lenders at the right time.

10th May 2026

How Economic Factors Shape Your Home Loan Decisions

Understanding how inflation, employment trends, and Reserve Bank decisions affect your borrowing power and repayment options in Southport's property market.

5th May 2026

Cash rate increases for the third time this year, now up to 4.35%

The hits just keep coming for mortgage holders, with the Reserve Bank of Australia (RBA) today raising the cash rate for a third time this year to 4.35%. If you’re starting to struggle with your mortgage repayments, here’s how you can potentially take act

5th May 2026

Refinance to Access Equity for Investment Property

Robina property owners are unlocking equity to build investment portfolios without selling their family home or waiting years to save another deposit.

4th May 2026

Lenders Mortgage Insurance: When It Applies in Coomera

Understanding when you'll pay LMI and what it actually costs can change how you approach your deposit on a Coomera property.

4th May 2026

Home Loan Documentation: What You Need and When

Understanding the paperwork requirements for your home loan application makes the process faster and helps you prepare for what lenders actually assess.

29th April 2026

How to turn your new-build dreams into reality

28th April 2026

How to upgrade your family home using equity

Pimpama families can use equity in their current home to buy or build a larger property without selling first.

26th April 2026

Strata Title Home Loans: What Robina Buyers Should Know

Buying a strata property in Robina requires understanding how body corporate fees, loan to value ratios, and lender policies affect your borrowing capacity and loan approval.

26th April 2026

Buying a Home Closer to Work: What to Consider

Cutting your commute from Southport's outer suburbs can unlock more than just extra sleep. It might reshape your borrowing power and property options.

22nd April 2026

Could your home loan pre-approval be out of date?

Having loan pre-approval can be a smart move for home buyers. But the recent Reserve Bank cash rate hikes could leave your pre-approval in need of an update.

21st April 2026

How to Understand Refinancing Application Fees

Application fees can add hundreds or thousands to your refinancing costs, but many lenders waive them or roll them into the loan.