RFS Property & Finance Insights - Edition #1
Reliance Financial Solutions

RFS Property & Finance Insights

Edition #1

Short, sharp updates you can master in two minutes – then ace our upcoming quiz!

Rate-Cut Tailwinds

RBA’s cash rate was cut to 3.60% in August 2025, down from 3.85% in May. This 0.25% drop could save homeowners around $210 per month on a typical $1mn loan, easing pressure as the RBA continues to support the economy amid slower growth and easing inflation.

All Capitals Back in Growth

Every capital city logged price gains in July, delivering the sixth straight month of national growth (+0.6%). Darwin led (+2.2%), followed by Perth (+0.9%).

Property Snapshot (Aug 2025)

Market Latest Median 3-month change 12-month change
Combined capitals (houses) $1.207 m +2.3% +4.6%
Combined capitals (units) $689 k +2.3% +4.1%
Sydney dwellings $1.203 m +1.1% +1.1%
Regional NSW dwellings $784 k +0.9% +2.7%

Key take-away: undersupply and population growth continue to underpin prices nationwide.

Finance Tip

With fixed rates from major lenders now starting with a "4", review any mortgage still above 5.5%. A 0.50% difference on a $600k loan equals $3,684 in annual interest.

Finance Scenario

Real Success Story – Client with two loans totalling $1.44M (at 6.26% & 6.59%) was paying $9,113/month. After refinance they were able to get 5.97% (Before RBA rate cuts) which resulted in saving $547 Per month – that's over $6,500 annually!

Property Scenario

Investment Success: The client purchased a house-and-land package for $693k and borrowed 100% of the purchase price plus costs. The handover was completed in June 2023, and the property is now valued at $950k - that’s $255k in equity!

The current rental income of $1,110 per week ($57,720 per year) exceeds the current loan repayments of $49,580 per year. After considering income, expenses, and tax benefits, she's $8K–$10K cash-flow positive annually and is using the surplus to pay off her owner-occupied property.

Suburb in Focus – Belmont North, NSW

  • $962k median house price with stellar 13.9% annual growth
  • Located between Lake Macquarie and Nine Mile Beach, offering lifestyle appeal
  • 0.4% vacancy rate underpins strong rental demand, with rents rising 9%
  • Part of the resilient Greater Newcastle region property market

Educational Byte

First Home Buyer Hotspots: Regional NSW towns like Orange and Tamworth are attracting strong FHB interest due to affordability, with Orange recording $380k median versus Sydney's $1.72m.

Tip of the Month

Spring listing season is here – order a free bank-valuation upfront. Knowing your equity before you shop adds weight in negotiations with both lenders and agents.

Sale of the Month

Harris Park's 24 Albion Street listed for $2.5 million – showcasing the suburb's premium end despite its reputation for affordable units starting from $470k.

$500 Harvey Norman Quiz Competition

Test your knowledge and win big!

When: Friday, 29th August 2025 at 4:00 PM

How it works: Quiz questions will be based on insights from our email series leading up to the quiz date

Prize: $500 Harvey Norman Gift Voucher

This email: Is part of the quiz preparation series!

How to Participate:

Already subscribed? You're all set! Keep reading our emails.
Want to join? Visit reliiancefs.com.au and subscribe with your email to receive our insights and participate in the quiz.

Pro tip: Pay special attention to the bolded facts in all our emails!

Ask a Question

Curious how much equity you've built since the February rate cut? Hit reply with "VALUATION" and your suburb – we'll send a no-obligation estimate.

See you in the next issue… and keep these facts handy – they might just score you that $500 Harvey Norman voucher!

Reliance Financial Solutions

Reliance Financial Solutions

603, Level 6, 93 George Street
Parramatta, NSW 2150
02-9893 7881 | info@reliiancefs.com.au

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Life's Too Short to Watch From the Sidelines.

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Life's Too Short

We Get It Because We've Lived It & Seen Others Navigate These Waters

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Property Snapshot

August 2025

Market Median House Price 1-month 3-month
Darwin $641,997 +2.2% +3.3%
Perth $869,689 +0.9% +2.2%
Brisbane $1,019,865 +0.7% +1.3%
Sydney $1,525,956 +0.6% +1.1%
Melbourne $952,339 +0.4% +0.9%
Combined capitals $705,901 (unit) $1,044,867 (house) +0.6% +1.8%
Key takeaway:
Tight supply and population growth are underpinning price rises in all markets. The gap between house and unit prices remains wide, especially in Sydney and other capitals.
Note: Price changes reflect median house price movements compared to 1 month and 3 months prior.

Latest news

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People Say

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Bernard Scott

$500 Harvey Norman Quiz Competition

Test your knowledge and win big!

When: Monday, 29th September 2025 at 4:00 PM
How it works: Quiz questions will be based on insights from our email series leading up to the quiz date
Prize: $500 Harvey Norman Gift Voucher
This email: Is part of the quiz preparation series!

How to Participate:

Already subscribed? You're all set! Keep reading our emails.

Want to join? Visit reliiancefs.com.au/read-remember-win-500/ and subscribe with your email to receive our insights and participate in the quiz.

Pro tip: Pay special attention to the facts in all our emails!

RFS Newsletter

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READ - REMEMBER - WIN $500

Participate in our online quiz and give yourself a chance to win $500! To register, SUBSCRIBE TO OUR NEWSLETTER

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We are back with our new mailer to share new information, insights and opportunities with our loyal RFS clients! Our last mailer introduced a special promotion with $500 as the prize for the winner. Please remember to participate in the online quiz on Sep 29, 2025. And of course, do read every mailer carefully because therein lies your chance to win!

As an RFS client, you'll receive not only the latest news and information but also stories of real people who have made informed choices and enjoyed the rewards. Such stories inspire all of us to stay up-to-date with market information and take expert advice in important financial matters.

Story of the Month

Home Finance

The client purchased a house-and-land package for $693k and borrowed 100% of the purchase price plus costs. The handover was completed in June 2023, and the property is now valued at $950k—creating an impressive $255k in equity in just a short time.

The current rental income of $1,110 per week ($57,720 per year) exceeds the loan repayments of $49,580 per year. After factoring in income, expenses, and tax benefits, she is $8K–$10K cash-flow positive annually. This strong position not only covers the investment property but also allows her to direct surplus cash into paying down her owner-occupied home faster, accelerating her wealth-building journey.

Property Snapshot

August 2025

Market Median House Price 1-month 3-month
Darwin $641,997 +2.2% +3.3%
Perth $869,689 +0.9% +2.2%
Brisbane $1,019,865 +0.7% +1.3%
Sydney $1,525,956 +0.6% +1.1%
Melbourne $952,339 +0.4% +0.9%
Combined capitals $705,901 (unit) $1,044,867 (house) +0.6% +1.8%
Key takeaway:
Tight supply and population growth are underpinning price rises in all markets. The gap between house and unit prices remains wide, especially in Sydney and other capitals.
Note: Price changes reflect median house price movements compared to 1 month and 3 months prior.

IN THE SPOTLIGHT

Tamworth, NSW

In this section, we shine a spotlight on suburbs and regions across NSW and Australia that are attracting investor interest. Each profile explores key factors such as growth potential, rental yields, infrastructure development, and lifestyle appeal—helping you make informed property decisions. Stay ahead of the curve with insights into areas that could deliver strong returns for well informed real estate investors.

Tamworth

$540k median house price with stable annual performance after strong prior growth

Heart of NSW's New England region – Australia's country music capital

0.9% vacancy rate shows exceptionally strong rental demand

$676.3M in major infrastructure projects starting in 2025

$500 RFS ONLINE QUIZ

Test your knowledge and win big!

How it works: Quiz questions will be based on insights from our email series leading up to the quiz date
Prize: $500 Harvey Norman Gift Voucher
When: Friday, 31st October 2025 at 4:00 PM
This email: Is part of the quiz preparation series!

How to Participate:

Already subscribed? You're all set! Keep reading our emails.

Want to join? Visit reliiancefs.com.au/read-remember-win-500/ and subscribe with your email to receive our insights and participate in the quiz.

Pro tip: Pay special attention to the facts in all our emails!

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