Robinson Finance

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Finance and Mortgage Broker - Home loans, Refinancing, Car loans, Business loans

💙 Specialist in First‑Home Buyers
👇 Sign up to my First Home Buyers email series
http://eepurl.com/h8TV6L

Servicing Australia-wide

Did you know your bank's best rates are saved for brand new customers — not loyal ones like you?It's called the loyalty ...
02/06/2026

Did you know your bank's best rates are saved for brand new customers — not loyal ones like you?

It's called the loyalty tax. And most people are paying it without even knowing.

If you've had your home loan for 3+ years and haven't checked your rate lately, there's a solid chance you're overpaying.

We've had clients save just by refinancing — that's cash back in your pocket.

Refinancing sounds like a big deal. It's really not. A good broker handles most of it, and the whole process usually takes 2–4 weeks.

The first step is a quick chat to see what you're on and what's out there. If it's worth moving, we'll tell you. If it's not, we'll tell you that too — we work for you, not the banks.

DM us or call Shane on 0417 151 999 to book a free home loan health check.

This is general information only — speak to a qualified broker for advice specific to your situation.

Your Afterpay account could be quietly killing your home loan application.Here's what most people don't realise — when a...
31/05/2026

Your Afterpay account could be quietly killing your home loan application.

Here's what most people don't realise — when a bank assesses your borrowing capacity, they look at every single Buy Now Pay Later account you have. Afterpay, Zip, Humm, Klarna. All of it.

Even if the balance is zero.

Banks treat BNPL limits like credit card limits. A $2,000 Afterpay limit can reduce your borrowing capacity by $10,000 or more. That's not a typo.

The fix is simple — close any BNPL accounts you're not actively using before you apply. But most people don't know this until it's already a problem.

Book a free chat with Shane 👉 0417 151 999 or DM us anytime.

This is general information only — speak to a qualified broker for advice specific to your situation.

House hunting without pre-approval is like showing up to an auction with no money in your pocket.Agents know. Vendors kn...
30/05/2026

House hunting without pre-approval is like showing up to an auction with no money in your pocket.

Agents know. Vendors know. And when you find the one — you won't be in a position to move.

Pre-approval tells you exactly what you can borrow before you start looking and it lasts 3–6 months.

No cost. No obligation. Just clarity on where you actually stand.
Ready to get yours sorted?
📞 Call Shane on 0417 151 999 or DM us and we'll get you started.

This is general information only — speak to a qualified broker for advice specific to your situation.

Most people think offset and redraw are basically the same thing.They're not — and mixing them up could cost you thousan...
28/05/2026

Most people think offset and redraw are basically the same thing.

They're not — and mixing them up could cost you thousands.

An offset account sits alongside your loan. The money in it reduces the interest you're charged every single day. It's accessible, it stays yours, and if you ever turn your home into an investment property down the track, how you've structured this genuinely matters for your tax deductions.

Redraw is money you've paid into the loan as extra repayments. You can pull it back out — but some lenders charge fees, limit how often you can access it, and the tax treatment is different again..

For most of our clients, an offset account wins. But the right call depends on your situation.

Not sure what you've got or whether it's actually working for you? DM us or call Shane on 0417 151 999 — a quick chat is free and could easily save you thousands.

This is general information only — speak to a qualified broker for advice specific to your situation.

$10,000 toward your first home — and it doesn't need to be paid back.Victoria's First Home Owner Grant is a government s...
27/05/2026

$10,000 toward your first home — and it doesn't need to be paid back.

Victoria's First Home Owner Grant is a government scheme that gives eligible first home buyers $10K to help with a new build or purchase of a brand new home.

Here's what people get wrong: it's only available for new homes — not established properties. And the home needs to be worth $750,000 or less.

A lot of first home buyers rule themselves out before they've even checked.
Worth a quick conversation to see where you actually stand.

DM us or book a free chat with Shane 👉 0417 151 999

This is general information only — speak to a qualified broker for advice specific to your situation.

This is what it's all for. 🏡Jeremy just settled on his new home — his son Harvey declaring it the "coke-house shop" is t...
27/05/2026

This is what it's all for. 🏡

Jeremy just settled on his new home — his son Harvey declaring it the "coke-house shop" is the best property description I've heard all year 🤣🤣🤣

These are the moments that remind me why I do this work. Not the paperwork, not the rate negotiations — this. A dad and his kid proudly standing in front of a sold sign.

Congrats Jeremy and family. Couldn't be happier for you. 🙌

Interesting times for first home buyers!The federal budget announced proposed changes to the rules for property investor...
26/05/2026

Interesting times for first home buyers!

The federal budget announced proposed changes to the rules for property investors — negative gearing on established homes to be restricted from July 2027, and CGT concessions tighten up.

The government is expecting around 75,000 more properties to come onto the market as investors sell before the changes kick in.

Less investor competition. More stock.

Is it a magic fix?
No. But it's the most significant shift in favour of first home buyers in a long time — and if you've been waiting for things to move, they just did.

Comment 'BUDGET' and I'll walk you through what it actually means for your situation.

General information only. Not personal advice. Consider your own circumstances before acting.

Putting together a free email series for first home buyers!Looking for 50 people to read it first and tell us if anythin...
03/05/2026

Putting together a free email series for first home buyers!

Looking for 50 people to read it first and tell us if anything's missing.

If you're keen, click the link below
https://link.fgfunnels.com/sp/764ca44ee5c

Comment "FHB" and I'll send you my Victorian First Home Buyers Blueprint
02/05/2026

Comment "FHB" and I'll send you my Victorian First Home Buyers Blueprint

Thrilled to say I was able to help Jess & Billy buy their first home.Like many first home buyers, they weren’t sure wher...
21/02/2026

Thrilled to say I was able to help Jess & Billy buy their first home.

Like many first home buyers, they weren’t sure where to start.

We worked through it step by step.
Clear numbers. Clear options. No guesswork.

A few months later, keys in hand.

First home buying doesn’t have to feel overwhelming when you’ve got the right support.

Address

Bendigo, VIC
3550

Telephone

+61417151999

Website

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