As we approach the end of the financial year, now is the perfect time to pause, reflect, and make sure your property and finance strategies are working hard for you. Whether you're a homeowner, investor, or first-time buyer, June is your golden window to reset your finances and set yourself up for a strong start to the new financial year.
Here are five smart moves you can make right now to stay ahead of the game.
✅ 1. Review Your Current Home Loan
Is your interest rate still competitive? Are you paying for features you don’t use, or missing ones that could benefit you?
Now’s a great time to review your loan structure, interest rate, and lender to see if a refinance could save you money, improve cashflow, or align better with your goals. With rates, rebates and products constantly changing, an annual review could be worth thousands.
Tip: Many lenders are still offering refinance rebates. If you haven’t reviewed your loan in the last 12 months, don’t leave money on the table
✅ 2. Get Your Investment Property EOFY-Ready
If you own an investment property, now’s the time to ensure your finances are structured correctly for tax time.
That includes:
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Ensuring your interest is deductible
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Reviewing depreciation schedules
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Considering whether interest-only repayments may suit your strategy
Tip: Speak to your accountant and broker before June 30, small tweaks now can deliver significant savings later.
✅ 3. Order a Free Property Valuation
Knowing your current property value isn’t just useful for ego, it could unlock equity, allow for debt consolidation, or help fund your next purchase.
A valuation can also support a refinance, potentially reduce your interest rate, especially if your loan was originally above 80% and LMI was paid, and also help you restructure your loans ahead of the new financial year.
Tip: We can order a complimentary desktop or full valuation for you.
✅ 4. Get Prepped for FY25 Goals
Got plans to buy, invest or renovate in the new financial year? Prepping early gives you more time to structure your lending strategy and take advantage of early opportunities.
Many lenders tighten policies or change their pricing mid-year, so if you're looking to act, early planning pays off.
Tip: Use June to get your borrowing capacity reassessed and speak to us about what’s possible.
✅ 5. Make Sure Your SMSF Lending Is on Track
If you're using a Self-Managed Super Fund to build wealth through property, there are important cut-offs and compliance considerations to review before EOFY.
From ensuring contributions are in order to planning for property purchases or construction loans through your fund, small delays can have long-term consequences.
Tip: We help clients structure SMSF lending for both land and build packages, June is the perfect time to get ahead.
🔚 Final Thoughts:
The end of the financial year isn't just for accountants; it's your chance to take control of your financial future. Whether it's reducing your repayments, unlocking equity, or growing your portfolio, these steps can put you in a stronger position for the year ahead.
Let’s make EOFY your most financially rewarding one yet.
📅 Ready to review your loans or explore your options?
Bet started HERE with a Free EOFY Strategy Call