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.

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.

11/05/2026

$170,000 in extra borrowing capacity.
Same client. Different lender.

Back in March, a client came to us feeling stuck and frustrated after their big four bank capped their borrowing capacity at $720,000 for their next investment purchase.

After taking a deeper look at their financial position, we found a lender who:

✔️ Treated their bonus income more favourably
✔️ Properly recognised their equity position
✔️ Used a more flexible rental income policy

The result? Their borrowing capacity increased to $890,000 — giving them the ability to start making realistic offers on an investment property.

Fast forward three months:
✅ Their home loan has now been refinanced to a lower interest rate
✅ Their new investment property will settle by the end of May

Sometimes it’s not your situation holding you back — it’s the lender policy.

If you feel your current lender is limiting your property goals, there may be other options available. Reach out to book a complimentary lending appointment and let’s explore what’s possible for your financial future together. 👏

08/05/2026

Doctors, Dentists, Vets, Lawyers, Accountants, Allied Health professionals — if that’s you, listen closely. 🔈

For more than a decade, I’ve specialised in banking and structuring finance for medical and industry professionals. And here’s the part most people never hear: you may be eligible for benefits that not everyone has access to. These include:

✅ LMI waivers up to 95% LVR
✅ Minimal savings requirements
✅ More competitive pricing
✅ Flexible income verification

These aren’t loopholes — they’re legitimate professional benefits. But here’s the catch …. Not every lender is right for your long‑term goals.

Whether your plan is to:

▪️Build a multi‑property portfolio
▪️Purchase a commercial property in your super
▪️Acquire and set up your own practice

…. Your lender strategy needs to be aligned from day one. As your career grows and your time becomes limited, your finance structure should work with you — not against you. 💯

That’s where we come in: your specialist finance broker, making sure your current and future finance needs are structured for long‑term success.

28/04/2026

Thinking about buying your next property before selling your current one? 🤔 That’s where Bridging Finance can help.

What is bridging finance?
Bridging finance is a short‑term, interest‑only loan designed to help you purchase a new property before your existing one is sold.

Why use it?
Buyer demand remains strong and timing is everything. Bridging finance can allow you to:
✅ Make a more competitive offer
✅ Buy at auction with confidence
✅ Secure your next property without selling first
Most lenders won’t require your current property to be sold before purchase, but they typically expect it to sell within 6–12 months.

Are you eligible for a bridging loan? ☑️
While every lender is different, there is 3 key requirements:
1️⃣ Substantial equity in your current property
2️⃣ Clear repayment capacity once your existing property sells
3️⃣ Savings to cover repayments during the bridging period (usually up to 6–12 months)

A word of caution ⚠️
Bridging loans generally have higher interest rates and additional fees, so it’s important to understand the full cost before proceeding.

Over the past few months, we’ve helped several clients successfully use bridging finance to secure their next property. If you’d like to understand whether bridging finance could work for you, book a time with us and let’s explore your options together.

Last week we received SIX 5‑star Google reviews and the feedback has been incredibly fulfilling. ⭐⭐⭐⭐⭐Finer Finance was ...
26/04/2026

Last week we received SIX 5‑star Google reviews and the feedback has been incredibly fulfilling. ⭐⭐⭐⭐⭐

Finer Finance was founded on the belief of delivering exceptional “finer” service to clients who need tailored finance solutions. Reading comments like “exceptional communication,” “making the process straightforward,” and “listened, understood our goals and worked through lender options that suited our needs” truly reflects our values and company ambition.

As we support more clients, we continue to instil these qualities in everything we do, delivering market‑leading service to both our existing and future clients. If you’re not feeling the level of support you deserve from your lender, reach out to us this week. We’re here to listen, understand and support your future finance needs.

23/04/2026

The right loan structure can make a huge difference to your financial future. 💰

Recently, we helped clients refinance their home loan into a more suitable structure. We alignied them with a lender offering multiple offset accounts, so every dollar across their bank accounts reduced their monthly home loan interest charges.

Here’s what we achieved:

✅ Interest rate reduced from 5.99% → 5.84%
✅ Monthly repayments cut from $3,117 → $3,071
✅ Annual fees reduced from $415 → $248

💰 Total saving: $719 per year
📈 That’s $19,413 over 27 years (and that’s before factoring in the extra interest saved using multiple offsets)

This is a great example of how the right loan structure puts your money to work for you.

If your lender has not reviewed your loan in the last 6 months, it might be time for a chat.

📩 Reach out anytime! Let’s make sure your finances are working as hard as you are

20/04/2026

April is shaping up to be our busiest month yet 🚀

This month we’ve secured over $11 million in lending approvals across 13 applications — all with very different goals and circumstances.

Here’s who we’ve helped:
✅ First home buyers stepping into the market
✅ Investors growing their property portfolio vis trust structures
✅ Clients using bridging finance to secure their next home while selling their current home
✅ Land & build package buyers
✅ Clients refinancing and consolidating their debts into more suitable loan structures

Every situation is different — that’s why we focus on tailored finance solutions across home and business lending.

If you (or someone you know) need finance support, send us a DM — we’d love to help. 👏

Address

Brisbane
Brisbane
4152

Opening Hours

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

Telephone

+61428733944

Website

Alerts

Be the first to know and let us send you an email when Finer Finance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Finer Finance:

Shortcuts

Share

Category