Francis Rose Finance

15/09/2025

🏡 FIRST HOME dreams just got real!

Thanks to the updated First Home Guarantee, you could buy with just 5% deposit — no Lenders Mortgage Insurance, higher price caps, and now no income limits!

📩 COMMENT “FIRST HOME” and we’ll be in touch to do a FREE eligibility check — no cost, no pressure, just clear answers.

Let’s get you home. 🗝️

12/09/2025

💰 What’s an Offset Account – and Why Should You Care?

An offset account is a bank account linked to your home loan. The money you keep in it reduces the interest you pay on your mortgage.

🧠 Example:
$500k loan – $50k in offset = you only pay interest on $450k.

✅ Pay less interest
✅ Own your home sooner
✅ Keep full access to your money

It’s one of the smartest ways to save thousands over the life of your loan — without changing your spending habits.

Want to see how much you could save?
📩 DM us “OFFSET” and we’ll show you.

09/09/2025

Self-employed or running your own business? Getting a mortgage can feel harder, but it doesn’t have to be.

We’ll help you assess your income the right way, leverage our relationships with suitable lenders, so you have more options to achieve your goals.

DM us today to get started on your home loan journey. 🏡✨

08/09/2025

💰 Need cash for renovations, debt consolidation, or a major life expense?

Your home could be the key.

With a cash-out refinance, you can tap into your home’s built-up equity and turn it into usable cash — without selling your property.

Here’s how people are using their equity:
🔧 Renovations & upgrades
💳 Paying off high-interest debt
📈 Investing in other properties or shares

If your home has gained value, you might be sitting on a powerful financial tool.

📲 DM me to see how much equity you can access — and if a cash-out refinance is the right move for you.

*terms & conditions apply.

24/06/2025

📈The RBA cash rate is Australia’s central policy lever that significantly influences home loan interest rates and borrowing power:

👉What is the cash rate?
It’s the interest banks charge each other for overnight loans—set by the Reserve Bank of Australia (RBA) to manage inflation and economic activity. The current cash rate is 3.85%.

👉How it affects home loan rates
Variable-rate loans: Banks often pass on cash rate changes by adjusting interest rates on variable home loans almost immediately.

👉Fixed-rate loans: These are shielded during the fixed term. But once it ends, your rate often jumps to the prevailing variable rate, which aligns with the cash rate at that time.

👉How fast do changes pass through?
Historically, about 75–90% of cash rate adjustments are passed to existing variable-rate loans, sometimes more slowly if fixed-rate contracts are still in place .

👉Wider impact on borrowers
Borrowing power: Lower cash rates mean lenders assess affordability using serviceability buffers, so you can borrow more when rates are low.
Market effects: Cheaper borrowing fuels demand, which can lift property prices—a double-edged sword for buyers and current owners.

Bottom line? The RBA cash rate shapes the cost, affordability, and rhythm of your home loan—so it’s crucial to understand whether you’re on a fixed or variable loan, and how proactive your bank is with passing on rate changes.

17/12/2023

"Buying a first home in Australia is one of the biggest financial decisions one makes in a lifetime. In this era of consistent interest rate increases, it is immensely challenging for buyers like me to arrange pre-approval of loans.

One of my friends suggested consulting with Matthew from Francis Rose Finance. From our initial consultation to the settlement of the property, he and his team member Jacob demonstrated a.." says Sujoy on Google

★★★★★ Buying a first home in Australia is one of the biggest financial decisions one makes in a lifetime. In this era of consistent interest rate increases, it is immensely challenging for buyers like me to arrange pre-approval of loans. One of my friends suggested consulting with Matthew ...

14/12/2023

"Thank you to Brendan who was incredible the entire way through the process of getting us into our first home! Will be recommending you to everyone we know!" says Georgia on Google

★★★★★ Thank you to Brendan who was incredible the entire way through the process of getting us into our first home! Will be recommending you to everyone we know!

13/12/2023

"Lachlan is a true professional, we enjoyed working with him to refinance our home loan. We have worked with a few brokers so far and if I want to give 5 star to one of them it would be defensively Lachlan. He is supportive and proactive when it comes to challenges along the way. We would love to work with him again." says Roya on Google

★★★★★ Lachlan is a true professional, we enjoyed working with him to refinance our home loan. We have worked with a few brokers so far and if I want to give 5 star to one of them it would be defensively Lachlan. He is supportive and proactive when it comes to challenges along the way. We w...

06/12/2023

"We had an awesome experience with Brendan, he has been helping us from the beginning and making everything possible. He’s an amazing person and gives always more than 100%. Thank you very much!" says Juliana on Google

★★★★★ We had an awesome experience with Brendan, he has been helping us from the beginning and making everything possible. He’s an amazing person and gives always more than 100%. Thank you very much!

27/11/2023

"Amazing to work with!" says Camilla on Google

★★★★★ Amazing to work with!

14/11/2023

"I had an exceptional experience with Lachlan! His fast response and approachable demeanour made the entire process seamless. His extensive knowledge provided me with a range of options and loan structures tailored to my requirements. The complementary gift post-settlement was also a thoughtful touch, showcasing his commitment to client satisfaction. Not only I'm super impressed but I'm confident I've found a long-term.." says Agung on Google

★★★★★ I had an exceptional experience with Lachlan! His fast response and approachable demeanour made the entire process seamless. His extensive knowledge provided me with a range of options and loan structures tailored to my requirements. The complementary gift post-settlement was also a ...