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Straight-talking guides.

Plain-English takes on home loans, rates and buying anywhere in Australia — no jargon, no scare tactics.

Featured·Property·2 min read

What’s the state of the 2026 Federal Budget for property?

The 2026 Federal Budget proposed the most significant changes to residential property tax settings in a generation.

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Sam Masih
Home loans·2 min read

Majority of Australian homeowners confused by mortgage terminology

More than half of Australian homeowners do not fully understand key home loan concepts, with many turning to social media and artificial intelligence for financial gui…

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Buying·2 min read

4 things that can go wrong between offer and settlement

Having an offer accepted on a property feels like the hard part is over. In reality, the period between signing a contract and settling can be one of the more stressfu…

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Debt consolidation·2 min read

5 things to know before consolidating your debt in the new financial year

The start of a new financial year is a common moment to take stock of existing debts.

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Asset finance·2 min read

5 things to know about buying a used car on finance this EOFY

EOFY is one of the busiest times of year for car sales, and dealers are motivated to clear used stock before 30 June.

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Commercial·2 min read

Quality comes first with commercial property returns

Commercial property investors are increasingly focused on asset quality over broad sector performance, as the gap between top and bottom performers widens across all p…

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Commercial·2 min read

Investors circle Darwin as commercial market momentum builds

Darwin's commercial property sector is strengthening, with rising rents, limited new supply and increasing investor demand as defence, energy and resource projects sig…

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Commercial·2 min read

Melbourne office tenants urged to act as supply window closes

Melbourne CBD office tenants are being urged to secure space quickly as tightening supply and rising rents shift market conditions back in favour of landlords.

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Business finance·2 min read

What businesses with ATO debt should know about their options

The post-pandemic leniency that many businesses had come to rely on with the ATO is firmly over. Total collectable tax debt across the small business sector now sits w…

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Business finance·2 min read

4 ways to strengthen your business cash flow before the new financial year

How a business crosses the 30 June line matters more than many owners realise.

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Rates·5 min read

Three Rate Rises in 2026: What the RBA’s 4.35% Cash Rate Actually Means for Your Mortgage

The RBA has lifted the cash rate to 4.35% across three hikes in 2026. Here’s what it means for your repayments, your borrowing power, and what a Perth homeowner should do about it.

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Home loans·5 min read

How Much Can I Borrow in 2026? Why Your Borrowing Power Has Quietly Shrunk

Your income hasn’t changed but your borrowing power has. Here’s how Australian lenders calculate what you can borrow in 2026 — and the seven things that are dragging your number…

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First home·4 min read

The 5% Deposit Scheme: What Perth First Home Buyers Need to Know in 2026

Since October 2025 the First Home Guarantee has had no income caps and no place limits. Buy with a 5% deposit and pay no LMI. Here’s how it works — and the catches nobody mentions.

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First home·4 min read

WA’s 2026 Stamp Duty Changes: First Home Buyers Just Got Up to $22,515 Better Off

From 7 May 2026, WA first home buyers pay no stamp duty up to $600,000 and get concessions to $800,000. The FHOG cap rose to $800,000. Here’s exactly what changed and what it’s…

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First home·4 min read

Help to Buy Explained: Is a 2% Deposit Worth Giving the Government a Slice of Your Home?

Help to Buy launched in December 2025. A 2% deposit, with the government contributing up to 40% of the price — in exchange for an equity stake. Here’s the honest trade-off.

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Investing·5 min read

Negative Gearing and CGT Are Changing: What Perth Property Investors Need to Understand About 1 July 2027

A Bill before Parliament would limit negative gearing to new builds from 1 July 2027 and replace the 50% CGT discount with indexation. Grandfathering cut off at 7:30pm, 12 May 2…

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Rates·4 min read

Fixed, Variable or Split in 2026? How to Decide When Nobody Knows What Rates Will Do

With the cash rate at 4.35% and the banks split on what comes next, should you fix? Here’s the framework that actually works — and why ‘beating the market’ is the wrong goal.

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Refinancing·5 min read

The Loyalty Tax: Why Staying With Your Bank Is Probably Costing You Thousands

Lenders price their sharpest rates for new customers. If you haven’t reviewed your home loan in two years, you’re likely paying a premium for loyalty. Here’s how to find out — a…

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Home loans·5 min read

Offset vs Redraw: Which One Actually Saves You More?

Offset and redraw both cut your interest — but they are not the same, and choosing wrong can cost you tax deductions and access to your own money. Here’s the difference that mat…

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Investing·5 min read

Buying Your First Investment Property in Perth: The Numbers That Actually Matter in 2026

Rates at 4.35%, negative gearing reform before Parliament, and Perth prices growing faster than any other capital. Here’s how to think about your first investment property right…

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Sam Masih
Written by

Sam Masih

Managing Director & Principal Finance Broker

I write these guides to cut through the jargon and help Australians make confident decisions about their money — whether you're buying your first home, refinancing, or financing a business asset.

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Purpose Finance

Give your money a purpose. Boutique mortgage broking for Australian home buyers.

Sam Masih
Sam Masih
Principal Finance Broker
0447 219 594 info@purposefinance.com.au Serving clients Australia-wide

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Disclaimer: The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.

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