Greenway Finance, 71 Arnott Road, Blacktown (2026)

17/09/2025

🏡 Big News for First Home Buyers!

From 1 October 2025, getting into your first home just became easier:

✅ Smaller Deposits: As little as 2–5% with no Lenders Mortgage Insurance (LMI).
✅ Unlimited Access: No caps on scheme places.
✅ Higher Price Caps: Sydney buyers can now purchase up to $1.5M and still qualify.
✅ No Income Caps: More Australians are eligible than ever before.
✅ Regional Buyers Included: Merged into the main scheme for equal access.

This is a game-changer if you’ve been renting, saving endlessly, or worried about missing the market.

💡 At Greenway Finance, we help first home buyers navigate the process with personalised service, competitive rates, and fast approvals.

📩 Message us today to check if you’re eligible and take the first step toward owning your dream home.

02/07/2025

We’re incredibly proud to share that Greenway Finance has been recognised as a Top 5 Individual Broker in Australia for 2024/25.

This certificate is a reflection of the passion, integrity, and hard work we put into every client journey here at Greenway Finance. Recognition like this reminds us why we do what we do — helping people reach their home and investment goals.

Thank you to our amazing clients, partners, and supporters for your trust — this achievement is as much yours as it is ours. Onwards and upwards! 💪🏽🏡✨

10/02/2025

𝑨𝒎𝒃𝒆𝒓 𝒉𝒂𝒔 𝒔𝒑𝒆𝒏𝒕 𝒚𝒆𝒂𝒓𝒔 𝒄𝒂𝒓𝒊𝒏𝒈 𝒇𝒐𝒓 𝒐𝒕𝒉𝒆𝒓𝒔, 𝒃𝒖𝒕 𝒘𝒉𝒆𝒏 𝒊𝒕 𝒄𝒂𝒎𝒆 𝒕𝒐 𝒃𝒖𝒚𝒊𝒏𝒈 𝒉𝒆𝒓 𝒇𝒊𝒓𝒔𝒕 𝒉𝒐𝒎𝒆, 𝒔𝒉𝒆 𝒇𝒂𝒄𝒆𝒅 𝒂 𝒇𝒊𝒏𝒂𝒏𝒄𝒊𝒂𝒍 𝒉𝒖𝒓𝒅𝒍𝒆—𝒖𝒏𝒕𝒊𝒍 𝒔𝒉𝒆 𝒅𝒊𝒔𝒄𝒐𝒗𝒆𝒓𝒆𝒅 𝒂 𝒈𝒂𝒎𝒆-𝒄𝒉𝒂𝒏𝒈𝒊𝒏𝒈 𝒐𝒑𝒑𝒐𝒓𝒕𝒖𝒏𝒊𝒕𝒚!

As a Registered Nurse working long shifts, Amber dreamed of having a place to call her own. But with rising property prices and the added cost of Lenders Mortgage Insurance (LMI), she thought homeownership would have to wait.

That’s when she learned about the Medico Policy LMI Waiver—a special lending option for eligible medical professionals. This meant that with just a 10% deposit, Amber could secure a home loan with no LMI, saving her thousands in upfront costs!

Thanks to this advantage, Amber was able to purchase her dream home sooner than she ever imagined—without the extra financial stress.

👉 Are you a Registered Nurse looking to buy your own home or an investment property? You could be eligible for the same benefits! Let’s chat about how you can own your home sooner, with less upfront cost.

📩 Send us a message or comment “INFO” below, and we’ll guide you through your options!

05/02/2025

"𝑮𝒆𝒕𝒕𝒊𝒏𝒈 𝒅𝒆𝒏𝒊𝒆𝒅 𝒇𝒐𝒓 𝒂 𝒍𝒐𝒂𝒏 𝒄𝒂𝒏 𝒃𝒆 𝒅𝒊𝒔𝒄𝒐𝒖𝒓𝒂𝒈𝒊𝒏𝒈, 𝒃𝒖𝒕 𝒊𝒕’𝒔 𝒏𝒐𝒕 𝒕𝒉𝒆 𝒇𝒊𝒏𝒂𝒍 𝒄𝒉𝒂𝒑𝒕𝒆𝒓. 𝑯𝒆𝒓𝒆’𝒔 𝒘𝒉𝒂𝒕 𝒕𝒐 𝒅𝒐 𝒏𝒆𝒙𝒕!"

🔹 Understand Why – Lenders reject applications for various reasons: credit score, income, debt-to-income ratio, or missing paperwork. Ask for specific feedback so you know what to fix.

🔹 Improve Your Financial Profile – Small changes can make a big impact! Paying down debt, boosting your credit score, or increasing savings can put you in a stronger position.

🔹 Explore Alternative Loan Options – Not all lenders have the same criteria. Government-backed loans, different banks, or specialist lenders might have options that work for you.

🔹 Get Expert Guidance – You don’t have to navigate this alone. A mortgage broker (like us!) can help find the right solution tailored to your situation.

💡 Rejection isn’t the end—it’s just a redirection to a better opportunity! If you’ve been denied a loan, let’s chat and create a plan to turn that ‘no’ into a ‘yes’!

📩 DM us or comment below if you need help!

04/02/2025

𝙏𝒉𝙞𝒏𝙠 𝙔𝒐𝙪𝒓 𝑫𝙚𝒑𝙤𝒔𝙞𝒕 𝑨𝙡𝒐𝙣𝒆 𝑫𝙚𝒕𝙚𝒓𝙢𝒊𝙣𝒆𝙨 𝙃𝒐𝙬 𝙈𝒖𝙘𝒉 𝒀𝙤𝒖 𝑪𝙖𝒏 𝑩𝙤𝒓𝙧𝒐𝙬? 𝑰𝙩’𝙨 𝙉𝒐𝙩 𝙏𝒉𝙖𝒕 𝑺𝙞𝒎𝙥𝒍𝙚.

Sarah had been saving for years. She finally reached her 20% deposit goal and thought she was set to buy her dream home. But when she met with her mortgage broker, she got a surprise—her borrowing capacity was lower than she expected.

This is a common misunderstanding among homebuyers. Your deposit and borrowing capacity are two separate things, and understanding both is key to securing the right loan.

What’s the Difference?
✅ Your deposit is the upfront amount you contribute towards your home purchase. The more you have, the less you need to borrow.
✅ Your borrowing capacity is how much a lender is willing to lend you based on your income, expenses, debts, and credit history.

You could have a big deposit but low borrowing capacity (due to a lower income or existing debts) or high borrowing power but a small deposit (which might require Lenders Mortgage Insurance – LMI).

With or Without LMI? Here’s What to Consider:
💡 If you have a 20% deposit or more: You won’t need LMI, which can save you thousands. But your borrowing capacity still depends on your financial position.

💡 If your deposit is below 20%: You might need LMI, which protects the lender, not you. While it adds to your costs, it can also help you buy sooner rather than waiting to save a bigger deposit.

How to Balance Both for a Smooth Loan Approval:
🔹 Check your borrowing capacity early – don’t assume your deposit is the only factor.
🔹 Reduce debts where possible to improve borrowing power.
🔹 Consider all your loan options, including those with LMI if needed.

The key takeaway? Your deposit gets you in the door, but your borrowing power determines how far you can go. Work with a broker to understand both, so you’re prepared when the time comes to buy.

Have questions about your deposit or borrowing capacity? Drop a comment or send us a message—we’re here to help! 💬🏡

03/02/2025

🏡 𝑯𝒐𝒘 𝑶𝒏𝒆 𝑺𝒎𝒂𝒓𝒕 𝑴𝒐𝒗𝒆 𝑻𝒖𝒓𝒏𝒆𝒅 $50𝑲 𝒊𝒏𝒕𝒐 𝒂 𝑷𝒓𝒐𝒑𝒆𝒓𝒕𝒚 𝑷𝒐𝒓𝒕𝒇𝒐𝒍𝒊𝒐! 📈

Meet James—a 32-year-old who dreamed of financial freedom but thought property investment was out of reach. With only $50K in savings, he felt stuck.

That’s when he discovered strategic property investment with the right loan structure. 💡

✅ Step 1: He worked with a mortgage broker to leverage his savings, securing a loan with a low deposit option.
✅ Step 2: He targeted a high-growth suburb, where property values were on the rise.
✅ Step 3: His first investment property’s rental income covered the mortgage, allowing him to save for the next purchase.

Fast forward 5 years, and James now owns 3 investment properties, all generating passive income! 🚀

The secret? Smart financing strategies and expert guidance.

Thinking about investing in property but don’t know where to start? Let’s chat and map out your investment journey! 📩

28/01/2025

🌟 𝑮𝒓𝒆𝒆𝒏𝒘𝒂𝒚 𝑭𝒊𝒏𝒂𝒏𝒄𝒆 𝒊𝒔 𝑷𝒓𝒐𝒖𝒅 𝒕𝒐 𝑺𝒑𝒐𝒏𝒔𝒐𝒓 𝑬𝒌𝒖𝒔𝒉𝒆𝒚 𝑪𝒓𝒊𝒄𝒌𝒆𝒕 𝑻𝒆𝒂𝒎! 🏏

We’re thrilled to announce that Greenway Finance is now a proud sponsor of Ekushey, a dynamic cricket team that’s making waves in the Sydney community cricket scene! 🌟

Ekushey is more than just a team—it’s a group of passionate players brought together by a shared vision of creating an environment where camaraderie and competition thrive. Their dedication to the sport and their community is truly inspiring, and we’re honoured to be part of their journey.

At Greenway Finance, we believe in supporting initiatives that bring people together and foster growth—both on and off the field. We’re excited to cheer Ekushey on as they chase their goals and create unforgettable moments on the pitch.

💬 To the entire একুশে-Ekushey team: Wishing you all the best for your future endeavours! May every match bring you closer to victory and every moment strengthen the bonds of teamwork. 🏆

Let’s make this season one to remember! 🎉

Dipak Das একুশে-Ekushey

✨ Tag your cricket-loving friends and let’s cheer for Ekushey together! 🏏🔥

28/01/2025

🌟 𝐃𝐞𝐦𝐲𝐬𝐭𝐢𝐟𝐲𝐢𝐧𝐠 𝐭𝐡𝐞 𝐅𝐢𝐫𝐬𝐭 𝐇𝐨𝐦𝐞 𝐁𝐮𝐲𝐢𝐧𝐠 𝐉𝐨𝐮𝐫𝐧𝐞𝐲 𝐢𝐧 𝐀𝐮𝐬𝐭𝐫𝐚𝐥𝐢𝐚 🏡

Buying your first home is one of the most exciting milestones in life, but let’s be honest—it can also feel overwhelming. With so much information (and sometimes misinformation) out there, it’s easy to feel lost in the process. At Greenway Finance, we’re here to simplify the journey and empower you with the knowledge you need to make confident decisions.

Here’s a breakdown of the key steps to demystify the process for first home buyers in Australia:

𝟏. 𝐔𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝 𝐘𝐨𝐮𝐫 𝐁𝐮𝐝𝐠𝐞𝐭💰

Before you start scrolling through property listings, it’s crucial to know what you can afford. This includes:

Savings: How much do you have for a deposit? (Aim for at least 5-20% of the property value.)
Borrowing Capacity: How much can you borrow? This depends on your income, expenses, and existing debts.
Additional Costs: Don’t forget stamp duty, legal fees, building inspections, and moving costs.

💡 𝑇𝑖𝑝: 𝑈𝑠𝑒 𝑜𝑛𝑙𝑖𝑛𝑒 𝑐𝑎𝑙𝑐𝑢𝑙𝑎𝑡𝑜𝑟𝑠 𝑜𝑟 𝑠𝑝𝑒𝑎𝑘 𝑡𝑜 𝑎 𝑚𝑜𝑟𝑡𝑔𝑎𝑔𝑒 𝑏𝑟𝑜𝑘𝑒𝑟 (𝑙𝑖𝑘𝑒 𝑢𝑠!) 𝑡𝑜 𝑔𝑒𝑡 𝑎 𝑐𝑙𝑒𝑎𝑟 𝑝𝑖𝑐𝑡𝑢𝑟𝑒 𝑜𝑓 𝑦𝑜𝑢𝑟 𝑏𝑢𝑑𝑔𝑒𝑡.

𝟐. 𝐄𝐱𝐩𝐥𝐨𝐫𝐞 𝐅𝐢𝐫𝐬𝐭 𝐇𝐨𝐦𝐞 𝐁𝐮𝐲𝐞𝐫 𝐒𝐜𝐡𝐞𝐦𝐞𝐬 🎁

The Australian government offers several incentives to help first home buyers:

First Home Owner Grant (FHOG): A one-off payment to eligible buyers (amounts vary by state).
Stamp Duty Concessions: Reduced or waived stamp duty for first home buyers.
First Home Guarantee Scheme: Allows eligible buyers to purchase with as little as a 5% deposit without paying Lenders Mortgage Insurance (LMI).

💡 𝑇𝑖𝑝: 𝐶ℎ𝑒𝑐𝑘 𝑦𝑜𝑢𝑟 𝑒𝑙𝑖𝑔𝑖𝑏𝑖𝑙𝑖𝑡𝑦 𝑓𝑜𝑟 𝑡ℎ𝑒𝑠𝑒 𝑠𝑐ℎ𝑒𝑚𝑒𝑠—𝑡ℎ𝑒𝑦 𝑐𝑎𝑛 𝑠𝑎𝑣𝑒 𝑦𝑜𝑢 𝑡ℎ𝑜𝑢𝑠𝑎𝑛𝑑𝑠!

𝟑. 𝐆𝐞𝐭 𝐏𝐫𝐞-𝐀𝐩𝐩𝐫𝐨𝐯𝐚𝐥 ✅

A home loan pre-approval gives you a clear idea of how much you can borrow and shows sellers you’re serious. It also speeds up the process once you find your dream home.

💡 𝑇𝑖𝑝: 𝑊𝑜𝑟𝑘 𝑤𝑖𝑡ℎ 𝑎 𝑚𝑜𝑟𝑡𝑔𝑎𝑔𝑒 𝑏𝑟𝑜𝑘𝑒𝑟 𝑡𝑜 𝑐𝑜𝑚𝑝𝑎𝑟𝑒 𝑙𝑒𝑛𝑑𝑒𝑟𝑠 𝑎𝑛𝑑 𝑓𝑖𝑛𝑑 𝑡ℎ𝑒 𝑏𝑒𝑠𝑡 𝑙𝑜𝑎𝑛 𝑓𝑜𝑟 𝑦𝑜𝑢𝑟 𝑛𝑒𝑒𝑑𝑠.

𝟒. 𝐅𝐢𝐧𝐝 𝐭𝐡𝐞 𝐑𝐢𝐠𝐡𝐭 𝐏𝐫𝐨𝐩𝐞𝐫𝐭𝐲 🏠

This is the fun part! But remember:

Location matters—think about proximity to work, schools, and amenities.
Consider future growth potential if you’re looking for an investment.
Don’t skip the building and pest inspections—they can save you from costly surprises.

💡 𝑇𝑖𝑝: 𝐵𝑒 𝑝𝑎𝑡𝑖𝑒𝑛𝑡 𝑎𝑛𝑑 𝑑𝑜𝑛’𝑡 𝑟𝑢𝑠ℎ 𝑖𝑛𝑡𝑜 𝑎 𝑑𝑒𝑐𝑖𝑠𝑖𝑜𝑛. 𝑇ℎ𝑒 𝑟𝑖𝑔ℎ𝑡 𝑝𝑟𝑜𝑝𝑒𝑟𝑡𝑦 𝑖𝑠 𝑜𝑢𝑡 𝑡ℎ𝑒𝑟𝑒!

𝟓. 𝐔𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝 𝐘𝐨𝐮𝐫 𝐋𝐨𝐚𝐧 𝐎𝐩𝐭𝐢𝐨𝐧𝐬 📑

There’s no one-size-fits-all home loan. You’ll need to decide between:

Fixed vs. variable interest rates.
Principal and interest vs. interest-only repayments.
Loan features like offset accounts or redraw facilities.

💡 𝑇𝑖𝑝: 𝐴 𝑚𝑜𝑟𝑡𝑔𝑎𝑔𝑒 𝑏𝑟𝑜𝑘𝑒𝑟 𝑐𝑎𝑛 ℎ𝑒𝑙𝑝 𝑦𝑜𝑢 𝑛𝑎𝑣𝑖𝑔𝑎𝑡𝑒 𝑡ℎ𝑒𝑠𝑒 𝑜𝑝𝑡𝑖𝑜𝑛𝑠 𝑎𝑛𝑑 𝑓𝑖𝑛𝑑 𝑎 𝑙𝑜𝑎𝑛 𝑡𝑎𝑖𝑙𝑜𝑟𝑒𝑑 𝑡𝑜 𝑦𝑜𝑢𝑟 𝑔𝑜𝑎𝑙𝑠.

𝟔. 𝐒𝐞𝐭𝐭𝐥𝐞 𝐚𝐧𝐝 𝐂𝐞𝐥𝐞𝐛𝐫𝐚𝐭𝐞! 🎉

Once your offer is accepted, your lender will finalise the loan, and your conveyancer or solicitor will handle the legalities. Before you know it, you’ll be holding the keys to your new home!

𝐖𝐡𝐲 𝐖𝐨𝐫𝐤 𝐰𝐢𝐭𝐡 𝐚 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐁𝐫𝐨𝐤𝐞𝐫? 🤝

𝐴𝘴 𝘢 𝘧𝑖𝘳𝑠𝘵 𝘩𝑜𝘮𝑒 𝑏𝘶𝑦𝘦𝑟, 𝘩𝑎𝘷𝑖𝘯𝑔 𝑎𝘯 𝘦𝑥𝘱𝑒𝘳𝑡 𝑖𝘯 𝘺𝑜𝘶𝑟 𝑐𝘰𝑟𝘯𝑒𝘳 𝘤𝑎𝘯 𝘮𝑎𝘬𝑒 𝑎𝘭𝑙 𝑡𝘩𝑒 𝑑𝘪𝑓𝘧𝑒𝘳𝑒𝘯𝑐𝘦. 𝐴𝘵 𝘎𝑟𝘦𝑒𝘯𝑤𝘢𝑦 𝐹𝘪𝑛𝘢𝑛𝘤𝑒, 𝘸𝑒:

𝑆𝘪𝑚𝘱𝑙𝘪𝑓𝘺 𝘵ℎ𝘦 𝘱𝑟𝘰𝑐𝘦𝑠𝘴 𝘢𝑛𝘥 𝘦𝑥𝘱𝑙𝘢𝑖𝘯 𝘦𝑣𝘦𝑟𝘺𝑡𝘩𝑖𝘯𝑔 𝑖𝘯 𝘱𝑙𝘢𝑖𝘯 𝘌𝑛𝘨𝑙𝘪𝑠𝘩.

𝘊𝑜𝘮𝑝𝘢𝑟𝘦 𝘩𝑢𝘯𝑑𝘳𝑒𝘥𝑠 𝑜𝘧 𝘭𝑜𝘢𝑛𝘴 𝘵𝑜 𝑓𝘪𝑛𝘥 𝘵ℎ𝘦 𝘣𝑒𝘴𝑡 𝑓𝘪𝑡 𝑓𝘰𝑟 𝑦𝘰𝑢.

𝐺𝘶𝑖𝘥𝑒 𝑦𝘰𝑢 𝑡𝘩𝑟𝘰𝑢𝘨ℎ 𝑒𝘷𝑒𝘳𝑦 𝑠𝘵𝑒𝘱, 𝑓𝘳𝑜𝘮 𝘱𝑟𝘦-𝘢𝑝𝘱𝑟𝘰𝑣𝘢𝑙 𝑡𝘰 𝘴𝑒𝘵𝑡𝘭𝑒𝘮𝑒𝘯𝑡.

𝐵𝘶𝑦𝘪𝑛𝘨 𝘺𝑜𝘶𝑟 𝑓𝘪𝑟𝘴𝑡 ℎ𝘰𝑚𝘦 𝘥𝑜𝘦𝑠𝘯’𝘵 𝘩𝑎𝘷𝑒 𝑡𝘰 𝘣𝑒 𝑠𝘵𝑟𝘦𝑠𝘴𝑓𝘶𝑙. 𝘞𝑖𝘵ℎ 𝑡𝘩𝑒 𝑟𝘪𝑔𝘩𝑡 𝑘𝘯𝑜𝘸𝑙𝘦𝑑𝘨𝑒 𝑎𝘯𝑑 𝑠𝘶𝑝𝘱𝑜𝘳𝑡, 𝘺𝑜𝘶 𝘤𝑎𝘯 𝘵𝑢𝘳𝑛 𝑦𝘰𝑢𝘳 𝘥𝑟𝘦𝑎𝘮 𝘪𝑛𝘵𝑜 𝑟𝘦𝑎𝘭𝑖𝘵𝑦.

📩 Ready to take the first step? Reach out to us at Greenway Finance. Let’s make your home ownership journey smooth and successful!

✨ Tag a friend who’s thinking about buying their first home! Let’s help them get started on their journey. 🏡

10/12/2024

Why we do what we do is to help people achieve their dream!

10/12/2024

💳 Boost Your Credit Score with These Easy Tips! 💡

Your credit score plays a key role in your financial health. Whether you're looking to secure a loan, rent a home, or get a new credit card, a strong credit score can open doors! Here are 5 simple ways to improve your credit score:

1️⃣ Pay Bills on Time: Set reminders or automate payments to ensure you never miss due dates. Payment history makes up 35% of your score!

2️⃣ Lower Credit Card Balances: Aim to keep your credit utilisation below 30% of your limit. The lower, the better.

3️⃣ Limit Hard Credit Inquiries: Applying for multiple credit accounts in a short time can ding your score. Be selective!

4️⃣ Check Your Credit Report: Errors can hurt your score. Review your report regularly and dispute inaccuracies.

5️⃣ Keep Old Accounts Open: Length of credit history matters, so don’t close old credit cards if you can avoid it.

📈 Small changes can lead to BIG improvements over time. Start today, and watch your score grow!

💬 Have questions about building or fixing your credit? Drop us a message—we’re here to help!

10/09/2024

Rentvesting: Live Where You Want, Invest Where You Can Afford

Rentvesting is the ultimate life hack for those who want to live in their dream location without breaking the bank. The concept is simple: rent where you want to live, but invest in a property where you can actually afford to buy.

Let’s say you love the vibe of the beach or the buzz of the city, but those home prices make your wallet cry. With rentvesting, you rent that perfect beachside apartment or inner-city loft, while purchasing a property in a more affordable area. The best part? You rent out that affordable property to cover your own rent.

Take Sarah, for example. She rents her dream city apartment while owning a townhouse in the suburbs, using the rental income to help pay her bills. Or Tom, who lives the beach life while owning an inland rental property that helps fund his coastal lifestyle.

Why does it work? You get to enjoy the lifestyle you want now, while investing in property that builds your wealth over time. Live the dream today, invest for tomorrow—it’s the smartest way to adult without sacrificing your lifestyle or financial future.

08/07/2024

New Tax Cuts Could Boost Your Potential to Purchase a Property Sooner:

Have you checked your borrowing capacity since the tax cuts took effect at the start of this financial year? These tax cuts can significantly increase your borrowing capacity, presenting an opportunity to acquire a new property sooner

If you’ve faced lending challenges recently, it’s worth revisiting your current borrowing capacity with our team. At Greenway Finance, our team of experts is ready to help you build a plan and secure your next investment property.

Don't miss out on this chance to expand your property portfolio!

Call us on 0404 043 711

Greenway Finance

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