Field notes

From the desk.

Professional perspectives on finance, lending trends, and strategies to help you make smarter financial decisions.

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📅 June 2026 ⏱️ 5 min read

The budget conversation, and a sharp ETA insight

Federal Budget talking points, takeaways from the CBRE auction room, and why low multiple plus growth beats chasing the cheapest deal.

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📅 June 2026 ⏱️ 4 min read

Three rate rises, and the budget's reset to property tax

The cash rate has climbed to 4.35% this year, and the biggest reset to property investment tax in decades, most of it grandfathered.

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Market Insights
๐Ÿ“… June 2026 โฑ๏ธ 6 min read

The outlook for Australia remains intact over the long term

Demographer Bernard Salt on the care economy, regional growth, the aged-care wave and the great wealth transfer, and what they mean for anyone buying a business or a commercial property.

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Off the Desk · #3
๐Ÿ“… May 2026 โฑ๏ธ 12 min read

Leadership When the Playbook Is Being Rewritten

Three operators, Tobi Lutke, Brian Chesky and Zeb Evans, are rewriting how they lead in real time. On the judgment premium, agency, and seven years inside the rooms at Uber. The third issue of Off the Desk.

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Off the Desk · #2
๐Ÿ“… May 2026 โฑ๏ธ 10 min read

What Landed on Tuesday Night's Federal Budget, and the Parts the Headlines Missed

Post-budget read on negative gearing, CGT indexation, the 30% trust minimum tax, and the trust-versus-company conversation. The second issue of Off the Desk, originally published on LinkedIn 13 May 2026.

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๐Ÿ“… May 2026 ๐Ÿงญ Interactive

Federal Budget 2026-27, decoded for the people who actually have to live with it

Filter 20 reforms by who you are. Translated from the federal budget for individuals, businesses, and trusts.

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Off the Desk · #1
๐Ÿ“… May 2026 โฑ๏ธ 8 min read

Tuesday Night's Federal Budget: Scenarios and Probabilities

Pre-budget framework on negative gearing, CGT discount and discretionary trust reform scenarios. The first issue of Off the Desk, originally published on LinkedIn 11 May 2026.

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๐Ÿ“… May 6, 2026 โฑ๏ธ 5 min read

Confidence cracks, and what to expect from the May RBA

Business sentiment has softened heading into winter, and the RBA's May decision is carrying more weight than usual. Here is what the data says and what borrowers should be positioning for.

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๐Ÿ“… May 4, 2026 โฑ๏ธ 4 min read

A third rate move, and what it means for repayments

The third consecutive RBA cut has pushed variable rates to levels not seen since early 2023. We break down what it means for your repayments and whether now is the time to review your structure.

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๐Ÿ“… April 2026 โฑ๏ธ 5 min read

Why more people are buying businesses instead of starting them

Acquisition volumes are up, search funds are proliferating, and lender appetite for ETA deals is stronger than it was 18 months ago. We look at what is driving the shift and what it means for buyers entering the market.

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๐Ÿ“… April 2026 โฑ๏ธ 4 min read

What the April rate move means for your home loan

The RBA cut in April was widely expected, but the path forward is less certain. We cover what changed, what the banks passed on, and where rates are likely heading through the back half of 2026.

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Market Insights
๐Ÿ“… April 2026 โฑ๏ธ 6 min read

Record Migration, Surging Approvals, and What's Actually Happening to Property Demand

494,000 net arrivals, building approvals up 30% in a month, and housing affordability at its tightest in years. These signals look contradictory. They're not.

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AI & Operations
๐Ÿ“… April 2026 โฑ๏ธ 8 min read

How We're Thinking About AI at FGO Finance Group

What I've learned from building an AI-native finance brokerage - the systems, workflows and judgement that allow us to focus on what matters most.

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Market Insights
๐Ÿ“… April 2026 โฑ๏ธ 5 min read

Melbourne Commercial Property: What the Price Headlines Are Missing

Melbourne's price weakness is the headline, but yields, rents and vacancy tell a different story for commercial property buyers focused on income.

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Business Acquisition
๐Ÿ“… March 2026 โฑ๏ธ 10 min read

How to Finance a Business Acquisition in Australia

Complete guide to financing a business acquisition in Australia. Loan types, deposit requirements, lender options, and what lenders look for when assessing a deal.

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Market Insights
๐Ÿ“… March 2026 โฑ๏ธ 8 min read

7 Types of Business Finance Available in Australia

Explore the main types of business finance in Australia: term loans, overdrafts, asset finance, invoice finance, trade finance, commercial property loans, and acquisition finance.

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Market Insights
๐Ÿ“… March 2026 โฑ๏ธ 7 min read

Equipment Finance vs Leasing: Which Is Right for Your Business?

Compare equipment finance vs leasing in Australia. Pros, cons, tax implications, cash flow impact, and when each option makes more sense for your business.

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Market Insights
๐Ÿ“… March 2026 โฑ๏ธ 9 min read

First Home Buyer Guide Melbourne 2026

Everything you need to know as a first home buyer in Melbourne: Victorian stamp duty concessions, First Home Owner Grant, deposit requirements, and the step-by-step process.

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Market Insights
๐Ÿ“… March 2026 โฑ๏ธ 6 min read

What Does a Finance Broker Actually Do?

How brokers compare loans across 20+ lenders, compare your options across the market, and manage the entire finance process, and why using one costs you nothing.

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Market Insights
๐Ÿ“… February 2026 โฑ๏ธ 2 min read

What the RBA Rate Rise Means If You're Financing Right Now

The RBA raised rates to 3.85% this week. If you're in the middle of financing a business acquisition, commercial property, or refinancing your home, here's what you need to know and what you can actually do about it.

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Market Insights
๐Ÿ“… January 2026 โฑ๏ธ 6 min read

5 Key Trends Shaping Business Lending in 2026

What Australian business owners need to know about the evolving lending landscape.

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Case Studies
๐Ÿ“… November 2025 โฑ๏ธ 8 min read

How We Helped 3 Businesses Scale Through Strategic Finance

Real case studies from clients who transformed their operations with tailored financing solutions.

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Business Acquisition
๐Ÿ“… September 2025 โฑ๏ธ 7 min read

Reflections from the ETA Conference in Sydney

Key takeaways on debt capital, lender appetite, and the future of Entrepreneurship through Acquisition in Australia and New Zealand.

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