Here are the Top 10 Excuses for Not Investing
1. I need a huge deposit first
2. One mistake will ruin me
3. I'm not a numbers person
4. Property is only for the wealthy
5. I'll wait till I feel 100% ready
6. It's too complicated
7. My friend lost money
8. If rates rise, I'm doomed
9. I'll save my way to wealth
10. I'm too old/too young
Chances are, you have heard all of them, and probably feel strongly about some too. It's normal to feel hesitant about real estate - maybe you're worried you need a huge deposit, perfect timing, or be a 'numbers genius'. Maybe a friend's bad story still lingers in your memory.
Familiar or not, such excuses should not be allowed to decide your future as an investor. We are here to help you get a new perspective on real estate investment. At Reliiance Financial Solutions, we have successfully converted many reluctant investors into those who really enjoy being part of the dynamic real estate industry and reap rewards in the long term. Working with us, you will also get full access to the products and services by RPIS, our associate business specialising in all aspects of real estate investment.
Want to learn more about real estate investment?
🎉 The Quiz Day is nearly here!
Your chance to win $500 Harvey Norman Gift Voucher
⚠️ REGISTRATION REQUIRED
You must register for the quiz to be eligible to participate and receive the quiz link on quiz day.
Register for Quiz NowWhen?
Friday, 31st October 2025
5:00 PM Sharp
Where?
Online via a secure quiz platform
(Link will be sent to registered participants on the day)
How Long?
15-20 minutes maximum
20 questions total
What to Expect?
Questions based on all our previous newsletters related to the quiz - CLICK HERE to check them out.
Multiple choice format
Winner determined by highest score + fastest time
⚠️ Important Reminder
The quiz link will be sent to all subscribers who have registered for the quiz on Friday, 31st October 2025 at 4:45 PM. Make sure you check your email inbox!
If you have not registered for the quiz yet - CLICK HERE to do so.
Australian Property Market Update
National Property Values Reach $11.8 Trillion
Australia's property market has hit a historic milestone, with residential real estate now valued at $11.8 trillion for the first time. September 2025 delivered the strongest monthly rise in dwelling values since October 2023.
Market Statistics You Should Know
4.8%
National dwelling value growth (annual)
24%
Forecast rent growth by 2030 (CBRE)
30M
Australians by 2029-33 (population growth)
1.8M
New households expected by 2033
Interest Rate Outlook & Property Forecasts
The RBA has cut rates three times in 2025 to 3.60%, but major banks are split on the next move. Three of four banks expect no further cuts until February-May 2026, while Westpac forecasts a November cut. Sydney and Melbourne are set to lead property growth at 6-7% as rate cuts boost borrowing capacity most in these debt-heavy markets.
Sydney: $1.75M median, forecast +7% to $1.83M (FY26)
Brisbane: $1.10M median, forecast +5% growth
Perth & Adelaide: $895K and $912K medians, approaching $1M milestone
Sources: RBA, Domain FY26 Forecast, CoreLogic, CBA/Westpac/NAB/ANZ (October 2025)
Pre-Purchase Checklist
Check your credit score
Calculate borrowing capacity
Save deposit (5-20%)
Research target areas
Get pre-approved
Arrange building inspection
Review contract with solicitor
Finalize loan and settle
Enhanced Government Support for First Home Buyers
Since October 1st, 2025, virtually all first home buyers can enter the market with just a 5% deposit via taxpayer-backed guarantee. The $125,000 income cap has been scrapped, making it available to unlimited applicants. More terms and conditions apply.
Call us to discuss your scenario - 02-9893 7881
This could supercharge buyer purchasing power, significantly increasing debt capacity for eligible first home buyers. The exact increase will vary based on individual income, existing debts, and lender assessment criteria.
Key Facts to Remember for the Quiz
Study these details - they could appear in the quiz!
RFS has been in business since 2003 - over 22 years of experience
We've processed over $1 Billion worth of loans
Prize: $500 in Harvey Norman Vouchers
Quiz format: 20 questions, 15-20 minutes
RPIS (Reliiance Properties & Investment Services) - our real estate investment division
Office: 603, Level 6, 93 George Street, Parramatta NSW 2150
Why Now is the Right Time to Invest
🏠 Low Inventory
With listings at historic lows, property values are climbing. Early investors benefit before supply increases.
📈 Strong Growth
National values up 4.8% annually with regional markets showing even stronger performance. Momentum is building.
💰 Rate Relief Coming
Expected interest rate cuts in 2025 historically boost property prices 4-7%. Position yourself ahead of the curve.
🎯 Expert Support
22+ years of experience with RFS and RPIS means you're guided by professionals who've seen every market cycle.
Real Success with RFS
"Our experience with Reliiance Financial Solutions has been absolutely top notch and smooth. Their work is of highest professional standard and you can clearly see a sense of ownership......"
Catch Up on Previous Newsletters
What Happens After the Quiz?
Quiz participants will receive:
✓ Complimentary property investment guide
✓ Access to exclusive market insights
✓ Winner announcement within 24 hours
Friday, 31st October 2025
Quiz Link Sent at 4:45 PM | Quiz Starts at 5:00 PM
Good luck to all participants!
Thank you for being part of the RFS family. We're excited to see you at the quiz and look forward to supporting your financial and investment journey.
Whether you're ready to invest or just exploring your options, our experienced team is here to guide you every step of the way.
Warm regards,
The RFS Team
Sewa Singh, Ajay Kumar Dhull, Manoj Dhull
Reliiance Financial Solutions
603, Level 6, 93 George Street
Parramatta, NSW 2150