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Own Money

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Own Your Prosperity At Own Money, we believe in the power of financial empowerment.

Our mission is to guide and support you on your journey to prosperity, ensuring that you have the right experts by your side at every step of the way. Providing mortgage finance, financial planning and property advisory, we are your partners in financial success.

28/10/2026

The 50/30/20 (ish) rule 💸

A simple budgeting guide to help you manage your money without overcomplicating it!

💰50% on needs– rent or mortgage repayments, groceries, bills and insurance.

💰30% on wants– eating out, shopping, holidays and subscriptions.

💰20% on savings & debt– building your savings, investing or paying down debt.

This rule won’t work for everyone, and that’s okay! Your income, living expenses and financial commitments all play a role in what you can realistically allocate to each category.

If 50/30/20 fits your lifestyle and financial situation, it’s a great place to start. If it doesn’t, adjust the percentages to suit you. Your budget should work for your life, not the other way around. 🙌

The goal isn’t to follow a perfect formula. It’s to understand where your money is going and make it work for you.

Save this post for your next payday!💰

23/10/2026

💸5 signs your finances might need some attention.

Sometimes, it’s not about how much you earn — it’s about understanding where your money goes and feeling in control of it.

From relying on credit to avoiding your bank balance, recognising these signs is the first step towards building healthier money habits.

You don’t need to have it all figured out. Start small, ask questions and remember that support is available.

16/10/2026

💸 SMALL SAVINGS. BIG DIFFERENCE.

Whether you’re paid weekly, fortnightly or monthly, putting a little money aside consistently can add up to thousands over a year. 👀

🏡 Saving for your first home?
✈️ Planning your next holiday?
🚨 Building an emergency fund?

Start with an amount that works for YOUR budget, automate it where possible, and build from there.

💰Save this post as your reminder to pay yourself first!

07/10/2026

You don’t need to have perfect finances.

But you should understand where you stand.

Your income, spending, debt, goals and financial commitments all form part of the bigger picture.

Take some time this month to step back and look at your financial life as a whole.

Clarity is often the first step towards better decisions.

05/10/2026

🚀 OCTOBER MONEY CHALLENGE

As the new month starts, take a few minutes to check in with your finances.

You don’t need to fix everything at once.

Start with one thing.

One review.
One goal.
One better decision.

Then do it again next month.

What’s your October money goal?

Tell us in the comments 👇

30/09/2026

🏠 Your home loan is more than an interest rate.

When reviewing your loan, it’s worth looking at the bigger picture.

Consider the rate, fees, features, flexibility and whether the loan still suits your current circumstances.

A lower rate isn’t automatically the best option if the overall loan doesn’t meet your needs.

Review the whole picture.

If you’re wondering whether your current home loan is still right for you, Own Money can help you understand your options.

29/09/2026

💰The RBA has raised the cash rate to 4.60%, its fourth consecutive hike in 2026.
If you’re wondering what this means for your home loan repayments, we’re here to help.

Let’s look at your options together. 💬

28/09/2026

💰 OFFSET OR REDRAW?

You’ll often hear these two terms when talking about home loans.

While both can potentially help reduce the interest you pay, they work differently.

The right option depends on your loan, lender, financial circumstances and how you manage your money.

Before choosing a loan feature, make sure you understand how it actually works.

Save this post for your next home loan conversation.

General information only. Features, access and conditions vary between lenders and loan products.

23/09/2026

🏠Thinking about investing in property?

It’s easy to get caught up in the property itself.

The location.

The potential rental income.

The renovation opportunities.

But before making a decision, it’s important to understand your borrowing position, how the property fits into your broader financial strategy, and the numbers.

The right property isn’t necessarily the right investment for everyone.

Do your homework first.

General information only. This is not financial or investment advice.

21/09/2026

🏠 MONEY MYTH MONDAY

“I need a 20% deposit before I can buy a home.”

Not necessarily.

While a larger deposit can have advantages, there are lending options and government schemes that may allow eligible buyers to purchase with a smaller deposit.

Your options will depend on your individual circumstances, eligibility and lender requirements.

The important thing?

Don’t assume. Get informed.

Thinking about buying your first home?

Start by understanding your options.

General information only. Eligibility requirements, lending criteria and government scheme conditions apply.

Address

Office 2, 484 Mount Alexander Road
Ascot Vale, VIC
3032

Opening Hours

Monday	8am - 7pm
Tuesday	8am - 7pm
Wednesday	8am - 7pm
Thursday	8am - 7pm
Friday	8am - 5pm

Telephone

+611300721631

Website

https://ownmoney.com.au/

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