Chester Advisory

First RBA meeting of the year underway!

Goodbye HECS hurdle (maybe). 🎓🏡
Some lenders have become more flexible with HELP/HECS when assessing borrowing power—policy varies, so it pays to compare.
What we’ll check:
• Your borrowing power with/without HECS scenarios
• Repayment plan & timing (pay down vs keep)
• Debt to Income Ratio (DTI)/buffers and how each lender treats them
• Docs you’ll need (ATO statements, payslips, etc.)
If you’re buying and have a HECS debt, let’s chat. I’ll walk you through the options and match you with the right lender.

Starting today - 1 October 2025, the Government’s expanded Home Guarantee Scheme officially kicks off – and this is huge for first home buyers 💥
Here’s what’s changing:
✅ Unlimited places – no more caps or waiting lists
✅ No income limits – high earners can now access the scheme
✅ Higher property price caps – keeping up with today’s market
💰 New Property Price Caps (Highlights)
🏙 NSW: $900k ➡️ $1.5m (metro/regional centres)
🏙 VIC: $800k ➡️ $950k (metro/regional centres)
☀️ QLD: $700k ➡️ $1m (metro/regional centres)
🌊 WA: $600k ➡️ $850k (capital city)
🍷 SA: $600k ➡️ $900k (capital city)
🍎 TAS: $600k ➡️ $700k (capital city)
🏛 ACT: $750k ➡️ $1m
✨ With just a 5% deposit, you could be in the market sooner than you thought.

Clients kicking their financial goals… that’s how we roll! Kaylah, it was a pleasure to be with you on your investment property journey.

Check out Kaylah’s fantastic review below 👇

"I recently purchased my first investment property and used Chester Advisory’s mortgage brokerage services. They made the process extremely easy to navigate and ensured I understood the process every step of the way.

Alyce was incredibly knowledgeable and went above and beyond - even providing a referral for a solicitor! I look forward to using their services again in the future."

Thank you again Kaylah! ⭐

More welcome news for mortgage holders today after the RBA announced that the cash rate target will remain unchanged at 4.1% for the fourth month in a row. The decision to keep the cash rate at 4.1% is the first one made with Michele Bullock as governor of the RBA.

The RBA stated that it is holding off on further rate hikes for now, as it expects the previous 12 increases to gradually bring inflation back to its 2-3 per cent target range. However, it warned that more rate rises may be necessary in the future to keep inflation under control.

Are you one of the 150,000 borrowers coming off your fixed-rate loans before the end of the year? Or perhaps one of the nearly 450,000 in 2024? If you have a fixed-rate mortgage that is expiring soon, you need to be ready to find the best deal for your situation.

Chester Advisory can help you compare different mortgage options and find the most competitive rate for you. Get in touch to discuss your situation with one of our lending experts.

https://bit.ly/3P9yayi

Celebrating a New 5-Star Review from a Happy Homeowner! 🌟🏡

We are thrilled to share the wonderful news of yet another satisfied client who recently left us a glowing 5-star review. At Chester Advisory, our mission is to help individuals and families navigate the complexities of purchasing their dream home, and receiving positive feedback like this reaffirms our commitment to excellence and customer satisfaction.

"I used Chester Advisory to purchase my first home. Alyce was extremely helpful throughout the entire process and was clear in outlining all the requirements. Outstanding service all the way through to settlement, even keeping track and updating me while she was on holiday! Would recommend for first and experienced home buyers."

We are honoured to have played a part in making your dream a reality. And we look forward to working with you in the future!

The home buying journey can be complex, with countless decisions to make and paperwork to navigate. At Chester Advisory, we provide expert advice and support to ensure our clients are well-informed throughout the process.

We hope you enjoy your new home Angus!

Choosing the right loan for your investment strategy is crucial to achieving your financial goals. So whether you're a seasoned investor or just starting out, here are a few loan options to consider that can help you maximise your investment potential. Let's dive in!

1️⃣ Standard Variable Loans: Flexibility and Control 💼

A flexible loan with a variable interest rate can change with the market, allowing you to take advantage of any rate decreases but with the freedom of extra repayments or early pay-off without penalties.

2️⃣ Fixed Rate Loans: Stability and Budgeting 🏠

For investors seeking stability and predictable repayments, fixed-rate loans are an excellent choice. With a fixed-rate loan, interest rates remain unchanged for a time period and allow you to budget for consistent repayments with confidence over the term.

3️⃣ Construction Loans: Building Your Investment Portfolio 🏗️

If you're considering property development or new build investment, a construction loan could be considered. These loans provide funds in stages throughout the construction process, giving you the necessary capital to complete your project.

4️⃣ Line of Credit Loans: Accessing Equity for Growth 💪

Also known as an equity loan, this is great for investors looking to leverage their existing equity. You can access funds up to a pre-approved limit based on the equity you've built in your property and can come with the flexibility to draw funds ‘as needed’ for investors pursuing multiple opportunities.

If you have any questions or need personalised advice on choosing the right loan for your investment goals, please reach out.