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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.

13/10/2026

After more than 120 years, Suncorp Bank is transitioning to ANZ, and that could impact the way your home loan operates.

One key difference? Many Suncorp home loans currently allow multiple suboffset accounts, helping customers separate savings for bills, holidays, renovations and everyday spending while reducing interest against their mortgage. Under ANZ’s current home loan structure, only one offset account can be linked to the loan.

For customers who rely on multiple offsets for budgeting and cash flow management, now is the time to review your lending structure. ✅

If you have a Suncorp home loan, let’s have a conversation before these changes take effect. There may be options available that better suit your long-term goals.

📩 Send us a message to discuss your loan options.

13/10/2026

🚨 Suncorp Home Loan Customers - Big Changes Are Coming To You🚨

After more than 120 years, Suncorp Bank is transitioning to ANZ, and that could impact the way your home loan operates.

One key difference? Many Suncorp home loans currently allow multiple suboffset accounts, helping customers separate savings for bills, holidays, renovations and everyday spending while reducing interest against their mortgage. Under ANZ’s current home loan structure, only one offset account can be linked to the loan.

For customers who rely on multiple offsets for budgeting and cash flow management, now is the time to review your lending structure. ✅

If you have a Suncorp home loan, let’s have a conversation before these changes take effect. There may be options available that better suit your long-term goals.

📩 Send us a message to discuss your loan options.

12/10/2026

If I was buying my first home today, these are 9 mistakes I’d avoid:

❌ Borrowing the maximum amount the bank offers

❌ Using a broker who doesn’t specialise in first home buyers

❌ Budgeting only for the deposit and forgetting other costs

❌ Taking on new debt before settlement

❌ Using every dollar of savings and leaving no buffer

❌ Overpaying because I fell in love with a property

❌ Signing a contract before legal review

❌ Skipping building and pest inspections

❌ Making an offer without pre-approval

✅ A first home can be one of the best financial decisions you’ll make, but getting the foundations right matters. The right strategy before you start house hunting can save you thousands and a lot of stress.

If you’re looking to buy in the next 6-12 months, send me a message and let’s put together a game plan. 📩🤝

09/10/2026

Earlier this week, I received an email from one of my accredited lenders letting me know I’d be getting another new Business Development Manager (BDM). This is the third BDM change with the same lender over the last 12 months.

Now, I completely understand that people move on to new opportunities. That’s business. That’s the world we live in.

But it got me thinking🤔

Over the past 12 months, I’ve counted 14 BDM changes across the lenders on my panel.

1️⃣4️⃣ !!!

Every time someone new comes along, you start again. You build rapport, learn how each other works, and establish an understanding of different client scenarios. Then, before you know it, you’re introducing yourself to someone new.

Ironically, when I worked in banking for over 10 years, I heard customers express this same frustration time and time again.

“My banker has changed again.”
“I’ve got a new contact.”
“I have to explain my situation all over again.”

Back then, I understood the frustration. Today, I genuinely empathise with it.

Because if it’s frustrating for me as a mortgage broker, imagine what it’s like as a customer. And this is where I believe a mortgage broker can make a real difference. 🤝

When you work with me, you’re not tied to one bank, one banker or one branch.

I’m here to be your long-term lending adviser. Whether you’re buying your first home, refinancing, upgrading your home or building a property portfolio, my goal is to help you build a lending strategy that evolves with you.
Not just for your next transaction, but for the years and milestones that follow. 💪

Your circumstances will change. Your goals will evolve. Your lending strategy should evolve with them.

You deserve more than a transaction. You deserve a trusted person in your corner for the long term.

I’m James from Finer Finance, and if you’re looking for a more personal approach to your lending, I’d love to have a conversation. 🙌

🚀 September was a HUGE month at Finer Finance!We settled our highest number of loans to date, and we couldn’t be more pr...
06/10/2026

🚀 September was a HUGE month at Finer Finance!

We settled our highest number of loans to date, and we couldn’t be more proud of the clients we’ve helped along the way.

From first home buyers and family home upgrades, to refinances, lending restructures and renovation needs, every scenario was different.

We even squeezed three last-minute SMSF residential purchases through before the legislative deadline! 🙌

These outcomes are a great reminder that there’s no one-size-fits-all approach to lending. The right strategy can make a big difference, both now and for your long-term financial goals.

👉 Swipe through to see some of September’s standout outcomes:

🔑 First Home Buyers
🏡 Home Upgrades
🔄 Lending Restructures
💰 Refinance & Cash-Out
📊 SMSF Residential Purchases
🔨 Renovation Finance

Every situation is different. That’s why personalised lending matters.

If one of these outcomes resonates with you, or you’re thinking about your next property move, let’s have a chat and explore your options.

📩 DM us or book a chat via the link in our bio.

25/09/2026

🏡 FIRST HOME BUYERS: Here Are 5 Things Actually Worth Spending Money On

When you’re buying your first home, everyone will tell you where to save money. But sometimes, spending a little more can save you a lot of money, stress and regret in the long run.

✅ 1. Lenders Mortgage Insurance (LMI)
Paying LMI can help you get into the market sooner instead of spending years trying to save a bigger deposit.

✅ 2. A Great Buyer’s Agent
The right buyer’s agent can help you avoid costly mistakes and find a property that aligns with your long-term goals.

✅ 3. A Quality Conveyancer or Solicitor
This isn’t the time to choose the cheapest option online. A good legal professional can identify risks before they become expensive problems.

✅ 4. Your Own Building & Pest Inspection
Don’t rely solely on reports provided by the selling agent. Independent advice gives you confidence in what you’re buying.

✅ 5. Property in a Blue-Chip Location
Buying the right property is often more important than buying the cheapest property. Location and quality appreciate more consistently over the long run.

At Finer Finance, we specialise in guiding first time home buyers build the right team around them from the start, so they can make informed decisions with confidence.

📩 Thinking about buying your first home? Send me a message and let’s create a plan to get you there together 🤝

25/09/2026

🏡 FIRST HOME BUYERS: Here Are 5 Things Actually Worth Spending Money On

When you’re buying your first home, everyone will tell you where to save money. But sometimes, spending a little more can save you a lot of money, stress and regret in the long run.

✅ 1. Lenders Mortgage Insurance (LMI)
Paying LMI can help you get into the market sooner instead of spending years trying to save a bigger deposit.

✅ 2. A Great Buyer’s Agent
The right buyer’s agent can help you avoid costly mistakes and find a property that aligns with your long-term goals.

✅ 3. A Quality Conveyancer or Solicitor
This isn’t the time to choose the cheapest option online. A good legal professional can identify risks before they become expensive problems.

✅ 4. Your Own Building & Pest Inspection
Don’t rely solely on reports provided by the selling agent. Independent advice gives you confidence in what you’re buying.

✅ 5. Property in a Blue-Chip Location
Buying the right property is often more important than buying the cheapest property. Location and quality appreciate more consistently over the long run.

At Finer Finance, we specialise in guiding first time home buyers build the right team around them from the start, so they can make informed decisions with confidence.

📩 Thinking about buying your first home? Send me a message and let’s create a plan to get you there together 🤝

21/09/2026

🏡 SELF-EMPLOYED & PLANNING TO BUY PROPERTY? WATCH & READ THIS FIRST 👇

If you’re self-employed and thinking about buying a property in the next 12 months, don’t rush to lodge your tax return.

One of the biggest mistakes I see business owners make is reducing their taxable income as much as possible, only to find out later that it has impacted their borrowing power.

Your accountant’s job is to help minimise tax. My job is to help maximise your lending options.

Neither approach is wrong, but if you’re planning to apply for a loan to buy property, both strategies need to work together.

Before finalising your tax return, have your accountant and mortgage broker speak with one another. A little planning now can make a huge difference when it comes time to get your loan approved.

✅ Reduce tax where appropriate
✅ Protect your borrowing capacity
✅ Set yourself up for your next property purchase

The best lending outcomes often start long before you lodge a loan application.

📩 If you’re self-employed and planning to buy, sell, refinance or diversify your property assets in the next 12 months, send me a message. I’d be happy to help.

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.

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.

Address

Brisbane
Brisbane
4152

Opening Hours

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

Telephone

+61428733944

Website

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