Crunch Finance

Crunch Finance Mortgage & finance brokers based in Bangalow NSW. Servicing Byron, Ballina & beyond. Finance & Mortgage Brokers in Byron, Ballina, Lennox Head & beyond.

Whether you are looking for a first home loan or to refinance your mortgage. We’ll find you the best home loan or mortgage rates & finance rates on the market. No jargon, no hard sell, no cost – just savings!

The RBA has increased the cash rate by 0.25% to 4.10% as it continues working to bring inflation back within its 2–3% ta...
17/03/2026

The RBA has increased the cash rate by 0.25% to 4.10% as it continues working to bring inflation back within its 2–3% target range. Recent data shows CPI holding at 3.8% annually, while underlying inflation has edged slightly higher to 3.4%, highlighting that price pressures are still lingering despite easing from previous highs.

Australia’s economy has shown growth, however flat productivity and rising global uncertainty, including potential impacts from the Middle East conflict, could continue to influence inflation and interest rate decisions in the months ahead.

With rates still evolving, it’s a smart time to review your home loan. Whether it’s securing a more competitive rate or renegotiating with your current lender, we can help you explore your options and make sure your finance is working in your favour.

🏡 Looking to buy an investment property in 2026?Before you start scrolling listings, think strategy first.Here’s what sm...
19/02/2026

🏡 Looking to buy an investment property in 2026?

Before you start scrolling listings, think strategy first.

Here’s what smart investors focus on 👇

1️⃣ Borrowing power isn’t static
Your capacity today may not be your capacity tomorrow. Plan your purchase with future lending in mind, not just what the bank says right now.

2️⃣ Cash flow resilience matters
Make sure you can comfortably hold the property if interest rates shift or unexpected costs pop up. A buffer isn’t optional — it’s essential.

3️⃣ Structure sets you up long term
Loan setup, offsets, ownership structure and overall debt strategy can impact flexibility down the track. Get this right from day one.

4️⃣ Think portfolio, not just property
Is this a one-off investment, or the first of several? Your approach should align with your bigger wealth plan.

5️⃣ Liquidity = opportunity
Keeping access to funds can position you to move when the right opportunity arises — without putting pressure on your lifestyle.

6️⃣ Plan for the “what if”
Vacancies, maintenance, changing rates — smart investors factor in scenarios, not just best-case outcomes.

The property matters.
But the strategy behind it matters more.

If investing in 2026 is on your radar, let’s make sure the numbers — and the structure — work for you.

📩 Send us a DM or book a strategy chat.

70+ five-star reviews in 2025 ⭐⭐⭐⭐⭐A massive achievement and a true reflection of the trust our clients place in us 🙌💥We...
05/02/2026

70+ five-star reviews in 2025 ⭐⭐⭐⭐⭐
A massive achievement and a true reflection of the trust our clients place in us 🙌💥

We couldn’t be more grateful — and 2026? We’re already off to a flying start 🚀🔥

Thinking about your next move? Let’s make it happen. Get in touch 📲🏡

📈 At its first meeting of 2026, the Reserve Bank of Australia (RBA) has lifted the cash rate by 0.25 percentage points, ...
03/02/2026

📈 At its first meeting of 2026, the Reserve Bank of Australia (RBA) has lifted the cash rate by 0.25 percentage points, taking it to 3.85%. This marks the RBA’s first cash rate increase since November 2023 and reflects ongoing concerns about inflation.⁠
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📊 Australia’s inflation rate continues to trend upward, with the Consumer Price Index (CPI) rising 3.8% in the 12 months to December, up from 3.4% in November.⁠
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📉 Underlying inflation, measured by the trimmed mean, was 3.3% over the same period, slightly higher than the 3.2% recorded in November.⁠
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🎯 The RBA’s goal is for inflation to sit “sustainably” within its target range of 2% to 3%, preferably around the midpoint. With price pressures proving stubborn, today’s increase was widely expected by the major banks.⁠
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💸 If you are feeling the impact, you are not alone. We can confirm whether your lender is passing on the increase, explain what it means for your repayments, and help you assess whether a more competitive loan may be available.⁠
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🏡 And if buying property is part of your 2026 plans, we are here to help you explore your finance options and make sure you are prepared in a changing rate environment.

Saving for a home in 2026 shouldn't feel impossible 🏡🌟 A few smart moves now can make a real difference later. 💡 Get cle...
13/01/2026

Saving for a home in 2026 shouldn't feel impossible 🏡

🌟 A few smart moves now can make a real difference later.

💡 Get clear on your number
Work backwards from your deposit goal and set a realistic weekly or monthly target. Small, consistent progress beats waiting for the “perfect time”.

🏦 Separate your savings
A dedicated savings account (that you don’t touch) makes it easier to stay disciplined and see momentum build.

📊 Review your spending once
You don’t need to cut everything, just identify the leaks. Even trimming subscriptions or renegotiating bills can add thousands to your deposit over a year.

🧠 Understand your borrowing power early
Knowing what lenders will look at helps you save smarter, not harder, and avoids surprises when you’re ready to buy.

🤝 Get advice before you need it
Talking to a broker early can help you structure your savings, avoid common mistakes, and take advantage of any first-home incentives available.

Thinking about buying this year or next?
The best time to plan is before you’re under pressure ⏳

Come in a see one of our team, so we can help you understand what you need to save. 💰️🤑

We’re hiring in Bangalow! 🌿✨⁠Crunch Finance is on the lookout for a reliable, organised and people-focused Customer Care...
17/11/2025

We’re hiring in Bangalow! 🌿✨⁠
Crunch Finance is on the lookout for a reliable, organised and people-focused Customer Care Manager to join our growing team. 👥⁠
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If you love supporting clients, keeping things running smoothly, and working in a friendly, professional office, this role is for you. 🙌⁠
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You’ll be the first point of contact for our clients and support our brokers with:⁠
• 📞 Managing calls & emails⁠
• 🗂️ General admin & office support⁠
• ⌨️ Accurate data entry⁠
• 📨 Preparing client documents⁠
• 🤝 Liaising with lenders & business partners⁠
• 🧩 Helpful day-to-day support for the team⁠
⁠
We’re looking for someone with:⁠
• 🔍 Strong attention to detail⁠
• 💬 Friendly, professional communication⁠
• 💻 Confident computer skills (Excel included!)⁠
• 🤗 A positive, team-oriented attitude⁠
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Mortgage or banking experience is a bonus but not essential. 🏦✨⁠
⁠
If you’re motivated, organised and ready to grow your career — we’d love to hear from you. 🌱⁠
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👉 For More information, apply now via Seek! Link in Bio!

We’re hiring in Bangalow! 🌿✨Crunch Finance is on the lookout for a reliable, organised and people-focused Customer Care ...
17/11/2025

We’re hiring in Bangalow! 🌿✨
Crunch Finance is on the lookout for a reliable, organised and people-focused Customer Care Manager to join our growing team. 👥

If you love supporting clients, keeping things running smoothly, and working in a friendly, professional office — this role is for you. 🙌

You’ll be the first point of contact for our clients and support our brokers with:
• 📞 Managing calls & emails
• 🗂️ General admin & office support
• ⌨️ Accurate data entry
• 📨 Preparing client documents
• 🤝 Liaising with lenders & business partners
• 🧩 Helpful day-to-day support for the team

We’re looking for someone with:
• 🔍 Strong attention to detail
• 💬 Friendly, professional communication
• 💻 Confident computer skills (Excel included!)
• 🤗 A positive, team-oriented attitude

Mortgage or banking experience is a bonus but not essential. 🏦✨

If you’re motivated, organised and ready to grow your career — we’d love to hear from you. 🌱

👉 For More information, apply now via Seek! Link in Bio!

It’s harvest season, and if you’re on the lookout for a new tractor, combine harvester or header, now’s the perfect time...
13/11/2025

It’s harvest season, and if you’re on the lookout for a new tractor, combine harvester or header, now’s the perfect time to line up the right finance.

Upgrading your machinery is a big investment, and the right loan structure can help you boost productivity without putting pressure on cashflow.

Whether you’re needing a new tractor, sprayer, combine harvester, telehandler or full machinery upgrade, Crunch Finance can help secure farm equipment finance that fits the way your farm runs.

✔ Fast approvals
✔ Access to ag-friendly lenders
✔ Seasonal-income loan options
✔ Competitive rates

If you’re looking to get more done this harvest, chat with our team — we’ll crunch the numbers and find the right finance for your next machine.

Crunch Finance. Machinery finance that works as hard as you do.

The Reserve Bank of Australia has decided to keep the cash rate unchanged at 3.60% this month, taking a careful approach...
04/11/2025

The Reserve Bank of Australia has decided to keep the cash rate unchanged at 3.60% this month, taking a careful approach as inflation remains higher than expected.

The Customer Price Index rose 3.2% over the past year, mainly driven by housing, recreation, and transport costs. Underlying inflation also sits near the top of the RBA’s target range at 3%.

Meanwhile, unemployment has edged up to 4.5%, showing the economy is starting to slow. Because of this mix, high inflation but a cooling job market, the RBA is holding steady for now to see how earlier rate cuts affect things.

Experts are split on what’s next: some think rates could rise again if inflation stays stubborn, while others expect no changes until 2026.

The next RBA decision will be announced on 9 December.

If you’re wondering whether your lender has made any rate changes recently, or what this means for your repayments, now’s a great time to check in. We can review your loan and ensure your mortgage remains competitive in the current market.

Another happy client ⭐️⭐️⭐️⭐️⭐️⁠⁠"Wow, Crunch Finance all the way 10/10. These guys know everything when it comes to a m...
24/10/2025

Another happy client ⭐️⭐️⭐️⭐️⭐️⁠
⁠
"Wow, Crunch Finance all the way 10/10. These guys know everything when it comes to a mortgage, with a seamless process to get all the documents needed over to them, as well as finding the best bank for you. Exceptional service, friendly staff who take the time to make sure you understand everything. If you're in the market for an above and beyond experience, look no further."⁠
⁠
Making finance feel easy, that’s the Crunch difference 💪

Another dream move made possible 🔑 🏡 🏦Crunch Finance supported the finance journey for the sale and purchase of this bea...
16/10/2025

Another dream move made possible 🔑 🏡 🏦

Crunch Finance supported the finance journey for the sale and purchase of this beautiful single-storey 4-bed home in Lennox Head, helping the owners secure their next chapter in true coastal style 🌊🏡

From selling their previous home to securing the loan for their new one, we were with them every step of the way, making the transition smooth, stress-free, and perfectly timed for their lifestyle goals ✨

🙌 Meet the Team – Say Hello to Renaee!It’s been a while since we’ve introduced everyone, so we’re shining the spotlight ...
10/10/2025

🙌 Meet the Team – Say Hello to Renaee!

It’s been a while since we’ve introduced everyone, so we’re shining the spotlight on the incredible people who make the magic happen here at Crunch Finance.

👋 Renaee – Broker Assistant
With a background in Real Estate Administration and Legal Administration, Renaee joined Crunch Finance for a new challenge—keen to expand her skills in the finance industry.

Her role is all about keeping things on track:
✔️ Managing loan applications and settlements from start to finish
✔️ Collecting all relevant documents and information
✔️ Keeping clients updated every step of the way

✨ What she loves most? Helping first home buyers achieve their dream of home ownership and seeing the smiles when settlement day arrives. She loves guiding clients through the process, answering questions, and making sure they feel supported the whole way.

🏖 Outside the office you’ll find Renaee with her family and dog, enjoying the races, or relaxing on a local beach. Her favourite Byron spots? “We’re spoiled for choice, but The Pass is hard to beat—and of course Bangalow itself for the community and beautiful buildings.”

Address

94 Byron Street
Bangalow, NSW
2479

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61266941422

Website

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