2025 Money Moves:
Tips for Homeowners, Buyers, and Business Owners
If you’re thinking about buying a property in 2025, already have a home loan, or you’re running a business – or all of the above – there are steps you can take to improve your situation.
Purchasing a property
To increase your chances of qualifying for a home loan and to maximise your borrowing capacity, you should aim to make yourself as creditworthy as possible in the eyes of lenders. That can be done by:
• Reducing your expenses. Shop around for better deals on your electricity, internet, phone and insurance plans; cancel subscriptions you barely use; eat in more often; and buy less stuff.
• Increasing your income. Ask for a raise, work more hours, get a second job or sub-lease a spare room in your home.
• Improving your credit score. Begin by ordering a free copy of your credit report, from Equifax or Experian. If you have incorrect negative listings, you can apply to have these removed. If you have a suboptimal score, you can work to increase it by paying off loans, making all your repayments on time, limiting your credit applications and reducing your credit card limit.
Keep a close eye on your mortgage
Do you already have a home loan? In that case, it is a good idea to remain aware of your interest rate and features, and compare that to other loans on the market. This is particularly important when there are cash rate cuts as lenders will likely cut interest rates and you may find some offering more competitive rates for new customers.
Contact me to see if your loan is still suitable and your interest rate is still competitive. I’ll let you know if you could improve your situation by refinancing to a new loan – and, if you decide to proceed, manage the application for you.
If you find yourself with additional debts to manage – such as a maxed-out credit card, a car loan or a personal loan – depending on your scenario, you might be able to reduce your interest bill (and simplify your finances) by consolidating several debts into your home loan. I’ll be happy to crunch the numbers for you, so you know whether debt consolidation would be a good move.
Improve your business in 2025
For business owners, there are two contrasting situations to be aware of. On the one hand, business failures are continuing to rise and are now at their highest rate since October 2020, during the pandemic, according to CreditorWatch. On the other hand, the Reserve Bank of Australia has forecast that economic growth will increase in 2025 (albeit off a low base).
If you’re thinking defensively, we could help you with cash flow finance. If you’re thinking about growth – and potentially taking advantage of the instant asset write-off – we could help you secure a business loan. Either way, get in touch to discuss your scenario, so we can work out a plan to move your business forward.
Licensing statement: Rayne Finance ABN [70 605 100 838] is authorised under LMG Broker Services Pty Ltd Australian Credit Licence 517192. Disclaimer: (1) As with any financial scenario there are risks involved. This information provides an overview or summary only and it should not be considered a comprehensive analysis. You should, before acting in reliance upon this information, seek independent professional lending or taxation advice as appropriate and specific to your objectives, financial circumstances or needs. This publication is provided on the terms and understanding that: (2) LMG Broker Services Pty Ltd, Rayne Finance (Seed Lending Pty Ltd) and the authors, consultants and editors are not responsible for the results of any actions taken on the basis of information in this publication, nor for any error in or omission from this publication. (3) LMG Broker Services Pty Ltd, Rayne Finance (Seed Lending Pty Ltd) and the authors, consultants and editors, expressly disclaim all and any liability and responsibility to the maximum extent permitted by the law to any person, whether a purchaser or reader of this publication or not, in respect of anything, and of the consequences of anything, done or omitted to be done by any such person in reliance, whether wholly or partially, upon the whole or any part of the contents of this publication.
Explore other FAQs and Facts
50,000 new places in the Home Guarantee Scheme
From 1 July 2025, an extra 50,000 places are available in the Home Guarantee Scheme, helping eligible buyers purchase a home with a smaller deposit and avoid lenders mortgage insurance. The scheme has already supported over 160,000 Australians since 2020, with tailored guarantees for first-home buyers, regional buyers, and single parents.
How property markets are performing throughout Australia
Australia’s property market is maintaining steady momentum, with dwelling prices rising 1.7% in the first five months of 2025. Perth leads annual growth at 8.6%, followed by Adelaide and Brisbane. Nationwide, demand is outpacing supply, fuelled by interest rate cuts, strong migration, and renewed buyer confidence.
How much do you need for a home deposit?
Buying a property but don’t have the deposit in cash right away? There may be an alternative worth considering. In some situations, buyers can provide a guarantee instead of upfront funds. It’s a tool that can offer flexibility without compromising the seller’s confidence, but how does it actually work?
What are deposit bonds and how do they work?
Buying a property but don’t have the deposit in cash right away? There may be an alternative worth considering. In some situations, buyers can provide a guarantee instead of upfront funds. It’s a tool that can offer flexibility without compromising the seller’s confidence, but how does it actually work?
Understanding conditional loan approval
Thinking about buying a property? You’ve probably heard the term “conditional approval” thrown around but what does it actually mean, and how does it differ from unconditional approval? Understanding the difference can help you feel more confident, better prepared, and avoid surprises as you move through the home loan process.
How to use equity to purchase property
Equity in your home can open doors to new financial opportunities, including property investment, renovations, or debt consolidation. It’s about understanding what you’ve built up—and how to use it wisely. With the right guidance, equity can help you move forward with confidence, but it’s important to weigh the benefits and risks.
What are low-doc loans and who are they for?
Low-doc loans offer a solution for self-employed borrowers who lack traditional financial documents like payslips or tax returns. Instead, lenders assess income using BAS, bank statements, or accountant declarations. While these loans provide flexibility, they often require higher deposits and carry stricter conditions, making them best suited for specific borrower situations.
Home loan redraw facilities explained
A home loan redraw facility lets you access extra repayments you’ve made on your mortgage, helping to lower interest while offering flexibility if you need funds later. It differs from an offset account in accessibility and structure, with pros and cons depending on your spending habits and how easily you need to access savings.
Help to Buy scheme and changes to how lenders consider student debt
More Australians could soon enter the property market with just a 2% deposit, thanks to the expanded Help to Buy scheme. Meanwhile, new lending guidance means student debt will now be treated more flexibly, helping younger buyers. These changes aim to make homeownership more accessible for low- and middle-income earners.
What the federal budget means for buying property
The 2025 federal budget introduces key measures affecting home buyers, including an expanded Help to Buy scheme, increased infrastructure investment, and incentives to grow the construction workforce. Foreign investors face new restrictions, and funding for prefabricated homes aims to accelerate supply. These changes could significantly reshape Australia’s property market.