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Monday 8am - 6pm Tuesday 8am - 6pm Wednesday 8am - 6pm Thursday 8:30am - 6pm Friday 8am - 6pm

Financiën

We are Mortgage & Finance brokers who strive to find the best solutions for our clients! Financien is a boutique Mortgage & Finance Broking company.

We help our clients with home or investment loans, business & commercial loans, SMSF lending, and asset & equipment financing. Our office is based in Brisbane, QLD, however we have clients all across Australia and ex-pats overseas.

30/09/2026

A redraw facility can provide you with flexibility and savings, but is it right for you?

How it works:
A home loan redraw facility allows people with a mortgage to access the extra funds they have paid toward or onto their loan.

Basically, you could make additional repayments and then 'redraw' those funds as needed.

The perk is that any additional repayments you make reduce the amount of interest you pay.

However, there may be fees and charges associated with this facility, so you want to make sure you're getting the most out of it.

We can help you understand which features would make sense for your situation.

28/09/2026

Wondering what your borrowing capacity actually looks like in today's market? It is often the first question people ask, and yet, it is the one most people feel they can only guess at.

Knowing your true borrowing power isn't just about the "how much"- it's about understanding what your options are before you start looking. It gives you the confidence to bid, the clarity to plan, and the advantage of being prepared.

Our online calculator can give you a realistic figure in just a few minutes, with no forms and no pressure. It’s the simplest way to get a picture of where you stand:
https://www.financien.com.au/calculators-tools/borrowing-power-calculator/

If you want a more accurate estimate, then reach out for a no-obligation chat.

25/09/2026

Footy finals are here, which means half the country is hosting and the other half is trying to get out of hosting 🏉

Whether you're currently squeezing extra chairs into the lounge room or just hoping for a quiet couple of days, it’s a good time to look at the space around you. If your "home ground advantage" is feeling a little cramped, or the idea of hosting feels overwhelming because your current setup just doesn’t flow, it might be time to think about your next move.

Whoever you’re backing, enjoy the game. And if you want to tackle your property goals next season, let’s chat.

23/09/2026

When you apply for a home loan, it can feel like a bit of a mystery how lenders decide to give the green light. Banks generally assess applications against what are known as the '5 Cs of Credit' to build a picture of your situation:

☑ Character: Your track-record for paying debts on time and your willingness to repay.

☑ Capacity: Your ability to repay the loan, based on your income and existing debts.

☑ Capital: Your net worth and the value of assets you can offer.

☑ Collateral: The property you are purchasing or using as security.

☑ Conditions: The overall economic climate and how it affects your stability.

Knowing how lenders assess these factors can help you prepare a stronger application. Want to make sure you put your best foot forward? Reach out.

20/09/2026

The answer depends on the complexity of your application, as well as the lender you're applying with.

While there are some online lenders that can have a decision made same day, if you want to optimise your available options, it's recommended to not leave your application to the last minute.

We suggest getting in touch with us well before it's time to apply, so we can give you guidance on what the lenders are looking for, and how they're likely to view your unique situation.

Getting started early also means you get to keep your options open, rather than being tied to the lenders with the quickest turnaround times.

Contact us today: https://www.financien.com.au/contact/

18/09/2026

Too often home loans often end up in the "set and forget" basket, but that’s rarely the best strategy. Markets change, lenders update their offers, and your personal goals evolve.

Refinancing isn't just about chasing a lower rate - it’s about ensuring your loan still works as hard as you do. If it’s been more than 12 months since you last checked in, it’s worth a quick review to see if you’re still getting a good deal for your current situation.

We can compare your current loan against what’s available right now and tell you straight if it’s worth making a move.

Read more here: https://www.financien.com.au/home-loans/refinancing/

16/09/2026

If your kids have moved out, the extra bedrooms have become storage and the garden has gotten a bit much to keep up with, you may be part of a common story in Australia!

In fact, there are roughly 13 million empty bedrooms sitting in Australian homes right now. That is 3.2 million homes with one spare, 3 million with two, and 1.2 million with three or more.

If you are an empty nester sitting on all that unused space, spring could be the time to consider downsizing. Listings are strong, buyers are active, and a smaller, simpler home might free up more capital than you expect, while helping address the demand for family housing elsewhere.

If you are weighing up whether the numbers make sense to move on to your next chapter, that is exactly the kind of conversation we are good at.

Schedule a free, no-obligation chat with us today.

11/09/2026

If you have a few credit cards, a car loan or even some lingering buy-now-pay-later services, keeping track of all those different repayment dates and interest rates can be a headache.

Debt consolidation is a strategy that could simplify things by rolling them into one regular repayment.

It is about simplifying your life and taking back control of your cash flow.

Reach out to see if debt consolidation is right for you and your situation.

10/09/2026

The property market is always shifting, and recent figures show national average loan values have eased slightly, moving from $737k in December to $731k in June.

While a 0.8% dip is a subtle change, it’s a reminder that market trends are rarely straight lines. Averages are helpful for tracking the big picture, but they don't dictate what’s possible for your personal situation.

If you’re watching the market and wondering what these shifts mean for you, contact us today and let’s run the numbers together.

28/08/2026

Ever heard the term Loan-to-Value Ratio, or LVR? It’s a key number to know when you're looking at home loans.
Simply put, your LVR is the percentage of the property's value that you need to borrow. For example, if you buy a home valued at $500,000 and borrow $400,000, your LVR sits at 80%.

Here is why that number matters to you:

💰 Better rates: A lower LVR means you’ve put down a larger deposit, which could open the door to more competitive interest rates.

🛡️ Lenders Mortgage Insurance (LMI): If your LVR is above 80%, you may need to pay LMI. This is an extra cost that protects the lender, not you.

📏 Borrowing power: Your LVR plays a big role in how comfortable a lender is with your application and how much they are willing to let you borrow.

If you want to calculate your potential LVR or see how it impacts your options, let’s have a chat.

*Source: Money.com.au

Address

Brisbane, QLD

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8:30am - 6pm
Friday	8am - 6pm

Website

https://financien.com.au/

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