Splendour Finance

01/09/2026

Mauricio Garcia shared some kind words that mean a lot to me:

“Faisal helped me from the get go and throughout the whole process. Very professional, reliable and trustworthy.”

I work hard to make the borrowing process feel clear and manageable, with honest guidance and communication at every step. Every client’s situation is different, so I’ll always take the time to talk through the options and what may suit your plans.

If you’d like personalised guidance, send me a message and I’ll help you map out your next step.

28/08/2026

🏡 𝐒𝐌𝐒𝐅 𝐒𝐞𝐭𝐭𝐥𝐞𝐦𝐞𝐧𝐭 𝐂𝐨𝐦𝐩𝐥𝐞𝐭𝐞𝐝 – 𝐀 𝐒𝐢𝐠𝐧𝐢𝐟𝐢𝐜𝐚𝐧𝐭 𝐌𝐢𝐥𝐞𝐬𝐭𝐨𝐧𝐞! 🎉

Another SMSF property loan successfully settled today — 934/18 Albert Street, Footscray VIC.

This one is particularly special as it is our last SMSF residential property settlement under the previous borrowing rules, following the recent legislative changes that took effect on 10 August 2026. New SMSF Limited Recourse Borrowing Arrangements (LRBAs) can generally no longer be used to acquire residential property, while existing arrangements and eligible commercial property remain subject to the relevant rules.

A big congratulations to our clients on reaching settlement! 👏

📩 Thinking about purchasing property through your SMSF or reviewing your existing finance? Get in touch to discuss your options.

27/08/2026

𝐑𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠 𝐦𝐨𝐦𝐞𝐧𝐭𝐮𝐦 𝐢𝐬 𝐛𝐮𝐢𝐥𝐝𝐢𝐧𝐠

A solid swell has been building in refinancing numbers, and that usually tells me more people are taking a fresh look at their home loan.

Refinancing can be useful if you want to:
* reduce repayments
* consolidate debt
* change loan features

But the main question is whether the new loan genuinely improves your position once costs, term changes, and lender requirements are taken into account.

I can help you compare the options and work through the details. If you’re thinking about a refinance, message me and I’ll help you assess the next step.

☎️ – 0423 463124
💻 – [email protected]

25/08/2026

Building or renovating is exciting, but the finance side can get complicated fast.

I help clients look at the full picture, including budget, equity, documentation and how the funds may be released through the project. If you are planning a renovation, I can also talk through whether a top-up, redraw or equity strategy may suit your situation.

A few things to keep in mind: costs can change, timelines can shift, and lender requirements vary depending on the type of work. That is why I always suggest allowing a contingency buffer and getting the lending structure sorted early.

If you are thinking about a build or renovation, book an appointment with me and I will help you plan the finance with more clarity.

21/08/2026

𝐋𝐨𝐰𝐞𝐫 𝐫𝐞𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬. 𝐁𝐞𝐭𝐭𝐞𝐫 𝐜𝐚𝐬𝐡 𝐟𝐥𝐨𝐰. 𝐀𝐧𝐨𝐭𝐡𝐞𝐫 𝐬𝐮𝐜𝐜𝐞𝐬𝐬𝐟𝐮𝐥 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐞. 🏡💰

Another great outcome for our clients!

Their Sydney owner-occupied home loan settled on 19 August, and their Brisbane investment loan settled today.

By reviewing their existing loans and securing better interest rates, I’ve helped reduce their combined monthly repayments by $329.

That’s an extra $3,948 a year back into their cash flow — without changing the properties they own.

A refinance review can be a smart way to check whether your current loan still suits your goals. I look at the rate, the structure, and the full cost of making a change, because the right outcome is about more than just a lower repayment.

If you are wondering whether your loan is still competitive, message me and I will help you explore your options.

📞 Splendour Finance
🏡 Home Loans | Refinancing | Investment Loans | First Home Buyers | Islamic Finance

17/08/2026

Offset account vs redraw, explained simply

Offset account or redraw? They can both help reduce the interest you pay on your home loan, but they are not the same.

An offset account is usually a linked account that helps reduce the balance interest is calculated on. Redraw is extra money you put into your loan, which you may be able to access later, depending on the lender.

What matters most is how you plan to use your money:
* Do you want easy everyday access?
* Do you prefer a more structured way to keep extra funds in the loan?
* Are there fees, limits, or minimum amounts to consider?

The right option depends on your goals and the lender’s rules. Message me if you want help working through it.

15/08/2026

Self-employed and looking for lending support?

Self-employed income can look different from one business to the next, and that is exactly why I take a personalised approach.

If you are a sole trader, contractor, company director, or professional with variable income, I can help you understand what may be needed for your borrowing conversation. That might include tax returns, business financials, BAS statements, or other supporting documents depending on the lender and your circumstances.

I also explain the process in plain language, so you know what serviceability means and how your income may be assessed. The goal is to help you feel prepared, not overwhelmed.

There can be different lending options available, but each one may come with its own policy conditions and documentation requirements. Lender eligibility criteria applies.

If you would like a calm, supportive conversation about your options, book an appointment with me and I will help you plan your next step.

12/08/2026

12/08/2026

𝐀𝐮𝐬𝐭𝐫𝐚𝐥𝐢𝐚𝐧𝐬 𝐚𝐫𝐞 𝐬𝐞𝐚𝐫𝐜𝐡𝐢𝐧𝐠 𝐟𝐨𝐫 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐡𝐞𝐥𝐩 𝐢𝐧 𝐫𝐞𝐜𝐨𝐫𝐝 𝐧𝐮𝐦𝐛𝐞𝐫𝐬

Google Trends data shows searches for "mortgage broker" in Australia have reached an all-time high, surpassing even the peak recorded during the COVID lockdowns of 2020.

Searches for "mortgage stress" hit their highest point in May, while queries for "mortgage help" have exceeded levels seen during the 2008-09 Global Financial Crisis.

The surge comes with some homeowners feeling the financial pressure. Three rate hikes since the start of 2026 have reversed all of last year’s rate relief, pushing the cash rate back to 4.35 per cent. According to Canstar, those increases have added $272 per month to repayments on a $600,000 loan with 25 years remaining.

Roy Morgan research from March found 26.8 per cent of mortgage holders, around 1.45 million Australians, are now at risk of mortgage stress. That figure could climb further if rates rise again at upcoming RBA meetings.

If you're feeling stressed from your mortgage, a mortgage broker can review your current loan and help you compare your options across a range of lenders.

11/08/2026

🏡 𝐀𝐧𝐨𝐭𝐡𝐞𝐫 𝐏𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐉𝐨𝐮𝐫𝐧𝐞𝐲 𝐒𝐮𝐜𝐜𝐞𝐬𝐬𝐟𝐮𝐥𝐥𝐲 𝐂𝐨𝐦𝐩𝐥𝐞𝐭𝐞𝐝! 🔑🎉
Yesterday was settlement day for one of our existing clients, and we couldn’t be happier to see another milestone reached! 🙌

We recently helped our client arrange the finance for their investment property in Roxburgh Park, VIC, which has now officially settled. 🎉

📍 Roxburgh Park VIC 3064
💰 Rental income: $600 per week
🔑 Settled: 10 August 2026

What makes this one extra special is that this client has trusted Splendour Finance again to help with their property journey. We genuinely value these long-term relationships — helping clients not just with one home loan, but as their property goals evolve over time.

Whether you're buying your first investment property, growing your portfolio, or simply wondering what your borrowing options look like, a conversation with a broker can be a great place to start.

📩 𝑻𝒉𝒊𝒏𝒌𝒊𝒏𝒈 𝒂𝒃𝒐𝒖𝒕 𝒚𝒐𝒖𝒓 𝒏𝒆𝒙𝒕 𝒑𝒓𝒐𝒑𝒆𝒓𝒕𝒚 𝒎𝒐𝒗𝒆? 𝑳𝒆𝒕’𝒔 𝒉𝒂𝒗𝒆 𝒂 𝒄𝒉𝒂𝒕.

Splendour Finance | Your local mortgage broker