<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Kista Finance]]></title><description><![CDATA[Kista Finance]]></description><link>https://www.kistafinance.com.au/blog</link><generator>RSS for Node</generator><lastBuildDate>Tue, 27 Oct 2026 04:53:56 GMT</lastBuildDate><atom:link href="https://www.kistafinance.com.au/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Business &#38; Commercial Finance: Finding the Right Finance for Your Business]]></title><description><![CDATA[At Kista Finance, we help businesses explore business and commercial finance options tailored to their needs, goals and circumstances, with connections to lenders across Australia.]]></description><link>https://www.kistafinance.com.au/post/business-commercial-finance-finding-the-right-finance-for-your-business</link><guid isPermaLink="false">6ada95e5052a12e7ef8eaf55</guid><pubDate>Thu, 22 Oct 2026 23:01:57 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/27e32e_1b37484e5525422eac937e91b1334476~mv2.jpg/v1/fit/w_1000,h_662,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Daniel</dc:creator></item><item><title><![CDATA[My Journey]]></title><description><![CDATA[We were the Class of ‘84, and although we may have felt a small rebellious connection with the movie of a similar name (https://www.rottentomatoes.com/m/class_of_1984),  We were perhaps a little too domesticated and ambitious to take this fork in the road. Accordingly, 1985 saw me commence my double degree in chemistry and biochemistry which progressed shakily until about halfway through the course, and after completing about five months of full-time and voluntary lab assistant work at the...]]></description><link>https://www.kistafinance.com.au/post/my-journey</link><guid isPermaLink="false">6a83c55ebecb69ff147f0208</guid><pubDate>Tue, 18 Aug 2026 02:40:01 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/27e32e_eb8a978941b940478f92c1365a51223b~mv2.webp/v1/fit/w_451,h_338,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Viv Clements</dc:creator></item><item><title><![CDATA[First Home Buyers – Take Note…………]]></title><description><![CDATA[Case study  A couple purchasing their first home for $600,000 with $30,000 (5%) deposit &#38; borrowing $570,000 (95% LVR):  • If eligible for Victorian Stamp Duty Exemption = no stamp (land transfer) duty payable  • If eligible for Home Guarantee Scheme = no Lenders Mortgage Insurance (LMI) payable  • Combined saving of approximately $50,000  • Plus potential interest rates based on 80% LVR Making the dream of owning your first home more attainable. For more information:  • go to Tools &#38;...]]></description><link>https://www.kistafinance.com.au/post/first-home-buyers-take-note</link><guid isPermaLink="false">6a83c4e13a73f167659cd090</guid><pubDate>Tue, 18 Aug 2026 02:36:31 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/27e32e_e40ab5ca3e53404e8fc68847d10492bf~mv2.webp/v1/fit/w_450,h_338,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Viv Clements</dc:creator></item><item><title><![CDATA[Housing affordability - Some brief comments for first home buyers]]></title><description><![CDATA[Driving around between appointments yesterday, a couple of the headlines I heard on the radio: - housing crisis for renters with high cost of accommodation and low availability; &#38; - bank claims that this is the worse time ever for first home buyers.  All very dark and gloomy with last week’s RBA announcement of the increase to the cash rate being the rotten cherry on top. |  HOWEVER, there are opportunities……..  A handful of useful tips; especially for the first home buyers:  1. Get good...]]></description><link>https://www.kistafinance.com.au/post/housing-affordability-some-brief-comments-for-first-home-buyers</link><guid isPermaLink="false">6a83c3790fc3a56d442d7998</guid><pubDate>Tue, 18 Aug 2026 02:33:23 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/27e32e_6f618e954fcd448c99e35d16fae2e151~mv2.webp/v1/fit/w_450,h_338,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Viv Clements</dc:creator></item><item><title><![CDATA[How to Monitor Your Mortgage Rate to Secure the Best Home Loan Rates in Australia]]></title><description><![CDATA[If you have a home loan, you might be wondering how to keep track of your mortgage rate (also known as your interest rate) and whether you are getting the best deal possible. Mortgage rates can change over time, depending on market conditions, the Reserve Bank of Australia’s cash rate, and the policies of different lenders. A small difference in your mortgage rate can significantly impact how much you pay over the life of your loan. In today's fluctuating financial landscape, understanding...]]></description><link>https://www.kistafinance.com.au/post/how-to-monitor-your-mortgage-rate-to-secure-the-best-home-loan-rates-in-australia</link><guid isPermaLink="false">6a83c0c86f644c8dfb470f1e</guid><pubDate>Tue, 18 Aug 2026 02:27:51 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/27e32e_c649713771bb47cabb3620bde796afec~mv2.webp/v1/fit/w_506,h_338,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Viv Clements</dc:creator></item><item><title><![CDATA[Is Now a Good Time to Refinance?]]></title><description><![CDATA[Here's What You Need to Know…  With interest rates dropping and lender competition increasing, refinancing your home loan in 2025 could save you thousands. Here’s why now might be the perfect time to refinance in Australia — and how to do it smartly.  Why Australians Are Looking to Refinance in 2025 In 2025, Australian homeowners are taking a closer look at refinancing — and for good reason. With recent interest rate cuts by the Reserve Bank of Australia (RBA) and a highly competitive lending...]]></description><link>https://www.kistafinance.com.au/post/is-now-a-good-time-to-refinance</link><guid isPermaLink="false">6a83bf1a3a73f167659cc325</guid><pubDate>Tue, 18 Aug 2026 02:15:47 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/27e32e_be6ae37752bc4449964bed3ea14956b7~mv2.webp/v1/fit/w_686,h_338,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Viv Clements</dc:creator></item><item><title><![CDATA[Are you a first home buyer?]]></title><description><![CDATA[Below is a quick snapshot of the Government Home Guarantee Schemes to help you in client conversations, plus an important update coming 1 October 2025. Current Schemes  First Home Guarantee (FHBG)  5% deposit, no LMI Income cap: $125k single / $200k couple  35,000 places FY25/26  Regional First Home Buyer Guarantee  Same as FHBG but for regional areas  10,000 places FY25/26  Family Home Guarantee  For single parents/legal guardians with dependents  2% deposit, no LMI  5,000 places FY25/26...]]></description><link>https://www.kistafinance.com.au/post/are-you-a-first-home-buyer</link><guid isPermaLink="false">6a83b1edbecb69ff147ed5b3</guid><pubDate>Tue, 18 Aug 2026 01:19:04 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/27e32e_8a2a3866e90447b195b51a8e1a104706~mv2.webp/v1/fit/w_676,h_338,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Viv Clements</dc:creator></item><item><title><![CDATA[Unlocking Homeownership in Australia]]></title><description><![CDATA[UPDATED HOME GUARANTEE SCHEME 2025 Starting 1 October 2025, major updates to the Home Guarantee Scheme will make it easier for Australians to buy a home with a smaller deposit.  If you’re a first-time buyer, regional resident, or single parent, these changes could help you secure property ownership sooner. At Kista Finance, we specialise in guiding clients through government schemes, lender requirements, and low-deposit home loans.  What Is the Home Guarantee Scheme? The Home Guarantee Scheme...]]></description><link>https://www.kistafinance.com.au/post/unlocking-homeownership-in-australia</link><guid isPermaLink="false">6a82b05cf59f6f7f106731d2</guid><pubDate>Mon, 17 Aug 2026 07:04:14 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/27e32e_a55fedef1f314cdba29da7d30a57b2ec~mv2.webp/v1/fit/w_601,h_338,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Viv Clements</dc:creator></item><item><title><![CDATA[Mortgage Market Update – November 2025]]></title><description><![CDATA[As a leading Mortgage Broker in Australia, staying ahead of market shifts is key to helping clients make informed financial decisions. In this November 2025 update, we take a closer look at the latest trends shaping Australia’s mortgage landscape — including inflation, employment data, the RBA’s upcoming interest rate decision, and practical strategies for borrowers navigating today’s economy. Economic Climate Overview According to the Australian Bureau of Statistics (ABS), the Consumer Price...]]></description><link>https://www.kistafinance.com.au/post/mortgage-market-update-november-2025</link><guid isPermaLink="false">6a82af96f59f6f7f10673039</guid><pubDate>Mon, 17 Aug 2026 06:54:51 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/27e32e_46afc3c2dd314d82a95eea268cebdd2b~mv2.webp/v1/fit/w_601,h_338,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Viv Clements</dc:creator></item><item><title><![CDATA[Funding Retirement: Reverse Mortgages vs Equity Release]]></title><description><![CDATA[INTRODUCTION  As retirement approaches, many find themselves “asset rich but cash poor”—owning valuable homes but lacking the liquid funds to support their lifestyle.  Two of the most common retirement finance options are reverse mortgages and equity release products. Both allow retirees to unlock home equity without selling, but they have key differences that are important to understand.  What Is a Reverse Mortgage? A reverse mortgage in Australia lets homeowners aged 60 or older in borrow...]]></description><link>https://www.kistafinance.com.au/post/funding-retirement-reverse-mortgages-vs-equity-release</link><guid isPermaLink="false">6a82ae4bf59f6f7f10672d8c</guid><pubDate>Mon, 17 Aug 2026 06:50:53 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/27e32e_7c30e27edc9d44e7bc1190659ac30c35~mv2.webp/v1/fit/w_601,h_338,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Viv Clements</dc:creator></item><item><title><![CDATA[Consolidating Debts to Regain Control of Your Financial Position]]></title><description><![CDATA[Managing multiple debts can quickly become overwhelming; especially when they include ATO tax debts, credit cards, store cards, personal loans, car finance, and even utility bills. When repayments stack up, it becomes harder to maintain stability and plan for the future. Debt consolidation is one of the most effective ways to simplify your finances, reduce stress, and rebuild long-term control.   Why ATO Tax Debts Require Immediate Attention Among all types of debt, ATO tax debt may carry the...]]></description><link>https://www.kistafinance.com.au/post/consolidating-debts-to-regain-control-of-your-financial-position</link><guid isPermaLink="false">6a82ab866f644c8dfb44f7cc</guid><pubDate>Mon, 17 Aug 2026 06:39:23 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/27e32e_8f9ef6efbbdf4ed9ac440ccd874107d0~mv2.webp/v1/fit/w_601,h_338,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Viv Clements</dc:creator></item><item><title><![CDATA[Mortgage Offset Accounts:  How To Save Thousands On Your Home Loan]]></title><description><![CDATA[For Australian homeowners, a mortgage offset account can be one of the most effective ways to reduce interest, pay off a home loan sooner, and build equity faster — without locking your money away. At Kista Finance, we regularly help clients structure their home loans to work smarter, not harder. Understanding how offset accounts work — and how to use them properly — can make a significant difference to your long-term financial position.  In this guide, we explain what a mortgage offset...]]></description><link>https://www.kistafinance.com.au/post/mortgage-offset-accounts-how-to-save-thousands-on-your-home-loan</link><guid isPermaLink="false">6a7e99189eafd9eb8e5b72c3</guid><pubDate>Fri, 14 Aug 2026 04:36:58 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/27e32e_b263d7d3c1b94657a14895496fc374db~mv2.webp/v1/fit/w_495,h_338,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Viv Clements</dc:creator></item><item><title><![CDATA[Equipment Finance Australia | Business &#38; Asset Finance]]></title><description><![CDATA[Equipment finance plays a critical role in supporting business growth by enabling businesses and individuals to acquire essential assets without the pressure of large upfront costs. By spreading payments over time, equipment finance helps improve cash flow, maintain operational efficiency, and provide access to modern, revenue-generating equipment. For Australian businesses, equipment finance is a flexible and widely used solution across industries including construction, trades, transport,...]]></description><link>https://www.kistafinance.com.au/post/equipment-finance-australia-business-asset-finance</link><guid isPermaLink="false">6a7e9682d791ff6850b6600f</guid><pubDate>Fri, 14 Aug 2026 04:21:11 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/27e32e_776da8216783431482c0e8024ac87de4~mv2.webp/v1/fit/w_507,h_338,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Viv Clements</dc:creator></item><item><title><![CDATA[Why your Bank May not be Offering you Their Best Deal]]></title><description><![CDATA[For many Australians, loyalty to their bank feels like the right thing to do. After all, if you've been with the same bank for years, surely they're rewarding that loyalty with their best home loan r…]]></description><link>https://www.kistafinance.com.au/post/why-your-bank-may-not-be-offering-you-their-best-deal</link><guid isPermaLink="false">6a7e61ddcae5bb2ffa10fee8</guid><pubDate>Fri, 14 Aug 2026 00:31:50 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/27e32e_dc310f3bfbaf45089e4629fd4826b152~mv2.webp/v1/fit/w_507,h_338,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Viv Clements</dc:creator></item><item><title><![CDATA[Meet the Person Behind Kista Finance ]]></title><description><![CDATA[Daniel Clements Daniel’s career began in the accounting industry, where he spent the majority of his professional life — including many years as a partner within an accounting firm. Through this experience, he worked closely with individuals, families, investors, and business owners, gaining a deep understanding of finance, business structures, cash flow, lending, and long-term financial planning.  As both an accountant and finance professional, Daniel brings a well-rounded perspective that...]]></description><link>https://www.kistafinance.com.au/post/meet-the-person-behind-kista-finance-daniel-clements</link><guid isPermaLink="false">6a7e5f3f24b7499942a7abd6</guid><pubDate>Fri, 14 Aug 2026 00:23:21 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/27e32e_5cb26f94c4f14c52a2b3117e1b020259~mv2.webp/v1/fit/w_338,h_338,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Daniel</dc:creator></item></channel></rss>