Insights
Five S Finance Blog
Plain-English articles on home loans, commercial finance and the regulations that protect Australian borrowers — written by Simon Kwon, Credit Representative 576383.
RBA Cash Rate Update: What the Latest Decision Means for Your Mortgage
The Reserve Bank's latest cash rate decision will flow through to variable home loans within weeks. Here's what borrowers in NSW should do now.
First Home Buyer Schemes in NSW: A 2026 Guide
Federal and NSW government schemes can shave tens of thousands off your purchase. Here's how the Home Guarantee Scheme and stamp duty concessions stack up.
Fixed vs Variable: How to Choose in the Current Rate Environment
Fixed-rate loans give certainty, variable loans give flexibility. We unpack the trade-offs and explain how a split loan can deliver the best of both.
Refinance Checklist: 7 Things to Review Before Switching Lenders
Refinancing can save thousands, but only if the numbers actually stack up. Use this 7-point checklist before you sign anything.
Sydney Property Market Outlook: What Borrowers Should Watch
Stock levels, rate expectations and migration are shaping Sydney's 2026 market. Here's what it means if you're buying, refinancing or investing.
Self-Employed? Here's How to Get a Home Loan Without the Headache
Self-employed borrowers are not second-class clients — they just need the right lender. We break down the documentation and policies that make approval smoother.
Commercial Loans in NSW: Funding Options for Small Business Owners
From equipment finance to commercial property and SMSF lending, here's how Five S Finance helps NSW business owners access the right commercial loan.
Preliminary Assessment: How We Make Sure Your Loan Isn't 'Unsuitable'
A Preliminary Assessment protects borrowers from loans that don't fit their goals. Here's what Five S Finance checks before any application is submitted.
Why Macquarie Park Home Buyers Need a 'Best Interests' Broker
Australia's Best Interests Duty changed how mortgage brokers must work. Here's what it means for Macquarie Park home buyers — and how Five S Finance puts it into practice.