If you’re planning to buy, build, or refinance to find your own budget savings in 2025 — the latest Federal Budget may have given you more of an edge than you realise.
While most of the headlines focused on cost-of-living relief and economic forecasts, there are several Budget updates that could directly (and quietly) help you strengthen your financial position and borrowing power. Here’s what you need to know:
Why it matters: This means lower upfront costs, reduced monthly repayments, and a faster pathway into the property market. LMI alone can add thousands to a loan, and avoiding it gives you a clear head start. The Help to Buy scheme also reduces your debt burden from day one — making homeownership more achievable for more Australians.
Why it matters: More take-home income can improve your serviceability when applying for a loan. Lenders assess how much you can borrow based on income vs expenses — so even a small bump can give you a stronger position.
Why it matters: Lower living expenses free up your monthly budget — which lenders take into account when assessing your ability to repay a loan. More room in your budget = more lending power.
Why it matters: These areas could become hotspots for first-home buyers or investors looking to get into rising markets early, often with better value and long-term growth potential.
The Budget includes further targeted relief for small businesses, especially those with annual turnover under $10 million. Key measures include:
It’s important to note the Instant Asset Write-off has NOT been extended beyond 30 June 2025 and legislation is still pending for FY2025 (ie. extending the $20,000 instant asset write-off limit for a further 12 months until 30 June 2025 is not yet law). It’s important to consider how this will impact your equipment upgrades. Your finance broker can help you make sense of funding solutions and business impacts.
Why it matters: These measures can help improve the financial position of self-employed individuals by lowering taxable income, increasing cash flow, and simplifying income documentation — all of which strengthen your profile when applying for finance.
If any of the above applies to you, now’s the right time to:
Fill out the form below to book a quick call and we’ll walk through your options together.
Published: 26/3/25
THE FINEPRINT: The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. While all care and attention are taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances.
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Before joining Green Finance Group in 2023, I spent over a decade in senior roles with Lloyds Bank (UK), Westpac and Bank of Queensland. This experience means I understand the lending process from both sides, giving my clients the edge when it comes to approvals, negotiations and navigating complex loan structures.
