Finer Finance

Finer Finance Finer Finance is an independent Finance Brokerage helping Australians find the most suitable loan solutions in the market.

We Specialise in Home Loans, Refinancing, Investment Property Loans, Commercial Lending and SMSF loans.

28/08/2026

🏠 The Market Has Shifted. Here’s How My Clients Are Responding:

The property market has cooled, but that doesn’t mean people are standing still. In fact, many of my clients are using the changing market to do one of 3 things:

🏡 1. Turning Their Current Home into an Investment: Rather than selling, some clients are renting out their existing property, keeping it as an investment to claim negative gearing and purchasing a new home to live in.

📈 2. Upsizing their primary place of residence: With more room to negotiate on higher-priced properties, many customers are taking the opportunity to sell and upgrade into a bigger home.

💰 3. Reviewing their current lending: Lenders are still competing hard for new business. If you haven’t reviewed your lending in 2026, there’s a good chance a more competitive option may be available.

💡 Every client situation is different, but one thing remains the same: the right lending strategy can create opportunities in any market.

📩 If any of these scenarios sound like you, send us a DM and let’s work through your options together.

09/08/2026

🏦 Banks are cutting rates. Are you getting the benefit?

Great news for borrowers: dozens of lenders are cutting their variable interest rates, with the big four banks forecasting no further rate hikes for the remainder of the year.

But here’s the catch… 👀

These new rates don’t automatically apply to existing customers.

If you haven’t reviewed your home loan recently, you could be paying the “loyalty tax”, while your lender offers sharper rates to attract new customers.

💰 A better rate could mean lower repayments and thousands saved over the life of your loan.

Don’t assume your bank is giving you its best deal. Speak with a mortgage broker, review your options and make sure your loan is still working for you.

30/07/2026

🏡 4 lenders said no. The 5th lender said yes ✅

Earlier this month, we helped two clients secure their dream home … but it wasn’t a straightforward approval.

One applicant was a minor shareholder in a law firm and was in the process of becoming a director. Despite having a strong income history, four lenders wouldn’t recognise the client’s dividend income until they officially became a director and held more than a 25% ownership stake.

Instead of giving up, we kept fighting 👊

The fifth lender took the time to understand the full picture. By presenting the client’s dividend history, ASIC documentation confirming the pending directorship and demonstrating their future earning capacity, we secured an approval 🤝

This is exactly why working with a mortgage broker matters! Not every lender assesses income the same way. What one lender declines, another may approve when the application is structured and presented correctly.

If you’ve been told “no” or your income doesn’t fit the traditional mould, don’t assume your property goals are out of reach.

14/07/2026

🏡 Think property investors own portfolios of 10+ homes? Think again.

Over 70% of Australian property investors own just ONE investment property.

The difference between owning one property and building a portfolio often isn’t income. It’s having the right strategy, structure and support.

Whether you’re:
📈 Looking to buy your first investment property
🏘️ Ready to purchase your second
💰 Wondering if you can use the equity in your current home to buy again

Having a plan can make all the difference!

At Finer Finance, we’re here to help you understand your borrowing capacity, explore your options and create a lending strategy that supports your long-term property goals.

📩 If you’ve been thinking about investing, let’s start the conversation.

08/07/2026

87% of the clients we’ve helped came from repeat clients or referrals from friends and family 🤯

That’s the number I’m most proud of as we wrap up our very first EOFY. In just seven months, we’ve been fortunate to help so many incredible people with buying, investing and refinancing. Knowing that almost 9 out of 10 clients came through the trust of our existing clients tells us we’re doing something right.

Our goal has never been just to find a loan. It’s to provide a finer service, build genuine relationships and create an experience people feel confident recommending to the people they care about most. To everyone who has trusted us, referred us, supported us or simply cheered us on ….thank you! It genuinely means the world.

The exciting part? We’re only just getting started. FY27 is already off to an incredible start, with July shaping up to be our biggest settlement month yet. Our mission remains the same: help as many people as possible achieve their property goals and finance needs.

If you’re thinking about buying your first home, upgrading, investing or refinancing, let’s have a chat. We’d love to help. 🤝

08/07/2026

87% of the clients we’ve helped came from repeat clients or referrals from friends and family 🤯

That’s the number I’m most proud of as we wrap up our very first EOFY. In just seven months, we’ve been fortunate to help so many incredible people with buying, investing and refinancing. Knowing that almost 9 out of 10 clients came through the trust of our existing clients tells us we’re doing something right.

Our goal has never been just to find a loan. It’s to provide a finer service, build genuine relationships and create an experience people feel confident recommending to the people they care about most. To everyone who has trusted us, referred us, supported us or simply cheered us on ….thank you! It genuinely means the world.

The exciting part? We’re only just getting started. FY27 is already off to an incredible start, with July shaping up to be our biggest settlement month yet. Our mission remains the same: help as many people as possible achieve their property goals and finance needs.

If you’re thinking about buying your first home, upgrading, investing or refinancing, let’s have a chat. We’d love to help. 🤝

17/06/2026

Are you thinking of buying your next property through your superfund? Here’s why working with a broker matters 👇

There are a lot of lenders in the SMSF space and each have their own pros and cons. We recently helped a client purchase their first property inside their superfund. After analysing their financial position, we shortlisted two suitable lenders:

✅ Lender A – slightly higher interest rate, but lower establishment fees
✅ Lender B – slightly lower interest rate, but higher upfront costs

The overall cost comparison between both loan options was nearly identical. But during our discovery process, the client shared something crucial:

👉 Their goal wasn’t just one property. They wanted to build a portfolio of 2–3 properties within their super fund.

When we modelled their borrowing capacity for a second purchase, the results were eye-opening:
💡 There was almost a $160,000 difference in borrowing capacity between the two lenders for a second property – That is huge!

Choosing the wrong lender could have:
❌ Limited their ability to purchase again
❌ Forced a refinance down the track
❌ Cost thousands in extra fees

Instead, we helped them choose the lender that aligned with their long-term strategy.

If you’re considering buying property in your super fund, make sure you go with the right lender from the start. Book in a strategy call with us today. We’re here to set you up for long-term success.

04/06/2026

EOFY Is Closer Than You Think ⏰

It’s only the 3rd of June, but lenders have already started introducing EOFY application cut-off dates.

Now is the perfect time to review your lending strategy and make sure your finances are set up for the year ahead.

✅ Restructure existing loans
✅ Improve cash flow
✅ Explore debt recycling strategies
✅ Review your borrowing capacity

If you’re self-employed and have recently lodged your latest financials, this could be a great opportunity to reassess your borrowing power using your most recent income figures.

Don’t leave it until the last minute. Reach out today and let’s get everything in order before heading into a strong 2027 financial year. 📈🏡

26/05/2026

If your bank has not contacted you in 2026 to review your loan …. That is a Problem! 🚩🚩🚩

With interest rates, lending policies and property values constantly changing, your loan should evolve with you. Your income changes, your goals grow and your property may have built up more equity — but many people stay stuck in the same loan for years without reviewing their options.

A quick refinance review could help you:
✔️ Restructuring your lending portfolio
✔️ Unlock additional equity for renovations or future investments
✔️ Reduce your monthly repayments
✔️ Make sure your loan still suits your goals

At Finer Finance, we offer free loan reviews with no pressure and no obligation — just honest guidance to help you move forward with confidence.

Reach out today and let’s make sure your loan is still working for you, not against you.

📧 [email protected]
📞 0428 733 944

18/05/2026

There’s been a lot of noise around the recent Federal Budget announcement — so here’s what it could actually mean for property investors and future borrowing power 👇

First things first: don’t panic.
These are proposed changes only. Nothing is law yet and everything still needs to pass through Parliament.

But as your finance broker, here’s what I’ll be watching closely 👀

🏡 Investors purchasing in their personal name could see borrowing capacity tighten if negative gearing changes move forward. That doesn’t mean property investing is dead — it just means strategy will matter more than ever.

📈 Rental yield will become increasingly important.
High-yield regional properties, granny flats, dual living opportunities and value-add renovations may become more attractive moving forward.

🏗️ From July 2027, new builds may become more appealing for investors, as proposed changes leave negative gearing untouched for these properties. However, keep in mind that new builds often come at a premium purchase price.

🏢 Buying through company or trust structures may see less impact on borrowing capacity, as negative gearing wasn’t previously factored in the same way.
SMSF lending remains unchanged, which continues to offer strong long-term tax advantages for many investors. (Always seek advice from your accountant or financial adviser before purchasing through non-personal structures.)

Moving forward, the two biggest things we’ll be focusing on with our clients are:

1️⃣ Loan structure
Will you purchase in your personal name, a trust, company or SMSF?

2️⃣ Asset selection
Are you buying an off the plane or new build property, a high-yield regional investment or even commercial property?

This is where having the right finance broker and buyer’s agent around you becomes more valuable than ever.

If you have questions about your future borrowing capacity or investment strategy, reach out to us at Finer Finance. We’re here to help you navigate these changes with confidence.

Address

Brisbane
Brisbane
4152

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+61428733944

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