
If you’re hoping to get into the Australian real estate market — or simply want to make smarter decisions around your home loan — this could be a defining moment. Interest rates are dropping, which means borrowing is becoming more affordable. On top of that, the Queensland Premier has just announced a new shared equity scheme designed to help first home buyers and middle-income earners secure property.
At SW Brokerage, we’re here to help you understand your options and act with confidence. Here’s what’s changing and how you can make the most of it.

Falling interest rates mean improved access to finance and lower repayment pressure. This presents a rare boost for buying, refinancing, or investing.
1. Consolidate Your Debts
By combining multiple loans into one lower-rate product, you could reduce your total interest, lower your payment obligations, and simplify your finances.
2. Consider Debt Recycling
Turn your home loan into a strategic tool. Use existing equity to invest in income-generating assets while managing non-deductible debt. This can be a tax-effective way to build long-term wealth.
3. Buy an Investment Property
With borrowing costs reduced, now may be the right time to explore property investment. It’s a great opportunity to diversify your income and grow your portfolio. This is a genuine boost to purchase power, especially for investors.
4. Grow Your Investment Portfolio
Lower rates may allow you to leverage your borrowing power to invest in shares, managed funds, or property. Our calculators can help you model returns and assess your risk.
5. Refinance to a Lower-Rate Lender
Many lenders don’t reward loyalty. Refinancing could provide access to a better deal, reduced fees, or features more aligned with your current goals. Our team of experienced mortgage brokers can guide you through your options.
6. Unlock Equity for Renovations
Thinking of upgrading your home or increasing your investment property’s value? Now is a good time to access cash through equity to fund renovations — with lower home loan rates keeping repayments manageable.

In an important development, the Queensland Premier has announced a new Shared Equity Scheme to support eligible first home buyers and middle-income earners in entering the property market.
Here’s what has been released so far:
Singles earning up to $150,000 and couples earning up to $225,000 may qualify
Maximum property purchase price: $1 million
Minimum deposit: 2%
Government may contribute up to 30% of the purchase price through shared ownership
Buyers can buy back the government’s share over time
Expressions of interest expected to open 1 July 2025
This new scheme is expected to significantly ease the cash burden for buyers who have strong income but limited savings. It’s a potential boost to purchase affordability and access to quality housing.
Why Now Is the Time to Act: This rare alignment of low interest rates, increased lender competition, and a new government support initiative offers a unique window of opportunity.
Whether you’re:
Preparing for home inspections
Navigating mortgage basics for the first time
Looking to upgrade or refinance
Planning to invest and build wealth
We can help you model your finances with our calculators, understand your borrowing capacity, and structure a clear path to achieve your goals.
Let’s Talk Strategy
At SW Brokerage, we’re dedicated to helping Australians make confident, informed financial decisions — from selecting the right home loan to unlocking government incentives and navigating complex lender policies.
Get in touch today to discuss how these changes might impact your financial future. We’ll help you turn this market shift into a real advantage.
Ready to get started? Contact SW Brokerage to speak with a mortgage expert today.