FinAus

FinAus Mortgage Broker for All Family Finance Needs. 20 years of Experience in Lending & Local to Penrith. For Sydney CBD and North Shore, i need special Appointment.

Mortgage Broker based in Penrith in Lending Industry from 2005. I have managed portfolios for High Net Worth clients in my role as Senior Relationship Manager in Commonwealth Premier Banking. I worked with CBA Wealth Advisors, Commsec Brokerage, Comminsure Consultants, Corporate Bankers so i believe i got good understanding about lending need and i can help you with your overall financial needs. I

can write loans for any one in the country and for in person meeting i am always available in Penrith LGA, Hills and South West. As a Mortgage Broker, I can help you with your First Home, Next Home, Refinance, Investment Property, SMSF lending, Commercial Loans, Line of Equities, Equity Unlock for Seniors. I can also assist you with all of your Personal and Asset Finance Loans if you need to buy any Personal Vehicle or Commercial vehicle. There are products available if any business needs to upgrade any of the Equipments, Tools or Machinery. We are available for all family and business financial needs.

* Focused on Developing Property Portfolio through right lending and cash flow discussion before purchase.

* Working with right structure for Medical/Accountant/Legal Professionals so they can grow quickly. It does not matter how much you earn but how you invest/spend.

* Helping first home buyer with property search and providing maximum loan reducing dependence on more saving.

* Assisting SME and Business Owners with Cash Flow, Business Loans and Asset Finance

* Working with your Financial Planners/Accountants to make sure you have right risk protection and Investment strategy to achieve your financial goals. Build a Team of Professional for your plan and i can fill the void for Lending Needs. I am here to help you and your family for their financial needs. Feel free to contact me on 0432086457 or email me on [email protected]

🏡 Housing Affordability Update – 2025 Snapshot📉 A median–income household could afford only 15% of homes sold nationally...
03/12/2025

🏡 Housing Affordability Update – 2025 Snapshot

📉 A median–income household could afford only 15% of homes sold nationally in FY25.
📉 Low-income households? Just 3%.

🔻 Auction clearance rates have been sliding since mid-September and dipped below the decade average by mid-November.

💬 A lot of the recent market momentum was driven by 2025 rate cuts — but with the outlook shifting, buyer behaviour is changing fast.

📊 National Property Clock Update – Where Markets Sit NowAustralia’s housing markets are moving at different speeds, and ...
02/12/2025

📊 National Property Clock Update – Where Markets Sit Now

Australia’s housing markets are moving at different speeds, and the latest Herron Todd White Property Clock shows exactly who’s rising, peaking, cooling or recovering.

🏆 Peak of Market

Adelaide, Brisbane, Perth, Sydney, Melbourne, Gold Coast, Sunshine Coast, Hobart, Darwin, Cairns, Townsville, Newcastle + many regional centres now sitting at the top of the cycle.

📈 Rising Markets

Bundaberg, Dubbo, Mount Gambier, Tamworth, Toowoomba — momentum is strong.

📉 Declining

Alice Springs, Burnie/Devonport, Launceston — starting to soften.

🌱 Recovery

Port Macquarie, Ballina/Byron, Southern Highlands — signs of turning around.

APRA introduced a restriction 24 hours ago… and immediately outlined a way around it.Whether this strategy is right for ...
28/11/2025

APRA introduced a restriction 24 hours ago… and immediately outlined a way around it.
Whether this strategy is right for you comes down to one thing: your knowledge.

Before you jump in, ask yourself:

✅ Will the return outweigh the cost?
✅ Do you have the skillset to spot real opportunities?
✅ Have you covered the major risk factors?
✅ Do you have the right team to operate in a high-risk lending environment?

If any answer is “not sure”… stay away.
No amount of money is worth the stress.

🚨 Big move from APRA to cool the housing marketAustralia’s banking regulator is introducing a Debt-to-Income (DTI) cap f...
27/11/2025

🚨 Big move from APRA to cool the housing market

Australia’s banking regulator is introducing a Debt-to-Income (DTI) cap for the first time — a proactive step to curb high-risk lending.

🔒 New APRA guideline:

Banks can now issue no more than 20% of new loans to borrowers with a DTI above 6× their income.

📊 Current landscape:

10% of investor loans already sit above the 6× DTI mark — and rising.

Only 4% of owner-occupier loans exceed the threshold, including those using the 5% deposit scheme.

🏡 As lending rules tighten, borrowing power will shift. If you're planning to buy, invest or refinance, now is the time to understand how these changes may affect your strategy.

🏡 Australian Housing Market: The Reality Behind the NumbersThe latest Cotality Housing Affordability Report paints a cle...
26/11/2025

🏡 Australian Housing Market: The Reality Behind the Numbers

The latest Cotality Housing Affordability Report paints a clear picture of just how dramatically the Australian property landscape has shifted since 2020.

📈 Home values have surged by 47.3% since the COVID-19 lockdowns — one of the sharpest rises in the developed world.

💰 Today, Australian real estate is among the most expensive globally, with the total market now valued at over $11.6 trillion. That’s more than the GDP of many major nations combined.

But behind the booming asset values is a tougher story for households:

⚠️ Australia’s household debt-to-GDP ratio is one of the highest in the world.
💸 And servicing that debt now consumes around 45% of household income, putting real pressure on families.

With rising costs, high interest rates, and limited affordability, navigating the property market has never been more complex.

If you're considering buying, refinancing, investing, or restructuring your lending, now is the time to get clear, expert advice so you can make the best decision in today’s environment.

Strong demand, tight supply and rising regional investment are pushing land values higher across regional NSW.If you're ...
25/11/2025

Strong demand, tight supply and rising regional investment are pushing land values higher across regional NSW.

If you're planning to invest, develop or refinance, now is the time to get the right advice before the next jump.

Just a reminder — commercial property is a high-risk, high-reward market with higher borrowing costs compared to residential. It’s not the right fit for everyone, so make sure you’re guided by solid, experienced advice.

✅ Just wrapped up a debt consolidation plan for a wonderful family! Here’s why it matters:💡 Key Advice: Tax debts carry ...
25/11/2025

✅ Just wrapped up a debt consolidation plan for a wonderful family! Here’s why it matters:

💡 Key Advice: Tax debts carry interest — sometimes over 7%! Consolidation can stop the drain and give families breathing space.

Drawbacks:
• Slightly higher interest (1–2%) for a short period
• A small risk fee (1–2%)

Benefits:
• Family cash flow jumps immediately — stopping $3K/month going to tax debts
• Car loan repayments stop, freeing up another $400/month
• Most importantly, they can finally finish their home

Strategy: Once the house is complete, we’ll review valuations and refinance to a better option.

Doing what’s right for clients — not just the numbers — is what matters most. 💛

"Your mortgage shouldn’t hold you back. Make it work for a better life."

📈 Dwelling prices are tipped to surge again in 2025Perth is leading the charge with forecasts of up to 16% growth, with ...
24/11/2025

📈 Dwelling prices are tipped to surge again in 2025

Perth is leading the charge with forecasts of up to 16% growth, with Brisbane and Adelaide not far behind. Demand continues to outpace supply, and these markets are showing no signs of slowing down.

If you’re planning to buy, invest or refinance next year, make sure you’re prepared — the right timing and the right strategy can make a huge difference.

🏡 Do your research, understand the local market, and get proper guidance before making a move.

The latest data shows the strongest quarterly growth coming out of Western Australia, with:📈 Kalgoorlie–Boulder: +8.1%📈 ...
24/11/2025

The latest data shows the strongest quarterly growth coming out of Western Australia, with:

📈 Kalgoorlie–Boulder: +8.1%
📈 Geraldton: +7.4%
📈 Albany: +6.2%

Meanwhile, Bowral–Mittagong (NSW Southern Highlands) was the only market to record an annual decline at -1.2%, and also posted the longest days on market at 77 days.

🔍 See the difference.
Before you hand your money to anyone, research the location. Not all markets are rising — and not every investor makes money.

Melbourne Inner East Market UpdateHomes under $950K jumped 1.7% in October — that’s 4× faster growth than properties abo...
18/11/2025

Melbourne Inner East Market Update

Homes under $950K jumped 1.7% in October — that’s 4× faster growth than properties above $950K.
The affordable end of the market is leading the charge 🏡✨

But let’s be real…
Current grants are pushing up prices at the lower end, creating artificial demand rather than genuine market movement. This government-driven stimulus may have long-term consequences for affordability and society.

Some common-sense reform is needed — and soon.

Simple to understand negative gearing.....
12/11/2025

Simple to understand negative gearing.....

“Investor loan growth surged 7.3% in the year to September—the fastest pace since 2015, when regulators tried to slow th...
07/11/2025

“Investor loan growth surged 7.3% in the year to September—the fastest pace since 2015, when regulators tried to slow things down. As savvy investors always say: the best time to buy a house was five years ago… the second-best time is now.”

Address

139 Cadda Ridge Drive
Caddens, NSW
2747

Opening Hours

Monday 9:30am - 4am
Tuesday 9:30am - 5am
Wednesday 9:30am - 5am
Thursday 9:30am - 5am
Friday 9:30am - 4am

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