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]

🤝 Client trust and great outcomes will always matter more than the number of loans written.🏆 Honoured to receive the CBA...
01/09/2026

🤝 Client trust and great outcomes will always matter more than the number of loans written.

🏆 Honoured to receive the CBA Platinum Broker Award!

For me, this recognition is about quality, not quantity — delivering the right outcomes, maintaining high standards and building trusted relationships with clients and lenders.

Awards are appreciated, but the biggest reward is helping my clients achieve their property and financial goals. 🏡

Thank you to my clients for your continued trust and support! 🙏🏆

HTW August Newsletter comes with beautiful words for potential buyers...With buyer interest subdued, sales volumes well ...
01/09/2026

HTW August Newsletter comes with beautiful words for potential buyers...With buyer interest subdued, sales volumes well down on
a year ago and listings high and rising, sellers are finding
it much harder to secure a buyer.

You need to manage your documents very carefully. Just take ATO as Liam Nesson from Taken..."I will Look for you, I will...
31/08/2026

You need to manage your documents very carefully. Just take ATO as Liam Nesson from Taken..."I will Look for you, I will Find you and I will TAX you...

Ignorance is not an Excuse with Tax Office...

28/08/2026

All Behaviour Makes Sense with Enough Information.

I read these words somewhere where story was related to faster care. I met one of the clients who got raised in that system about few months ago. Most of time, We don’t count our blessing so God send these kinds of people in our life. This client lived in 3 houses and saw so much. To be honest, person is under 25, but his behaviour is far more mature than mine.

He has desire to have his own house, help others who never got a fair go and become financially successful because poverty does not give options.

I am happy that he got his first home in regional town of Orange under the FHB scheme.
Yes, he is aware of negative equity if market keep going down but his answer removed all worries for me i.e., I have a house to live peacefully and now I can focus on my other goals and desires.

Sometimes we just need to keep things simple and stay away from information overload which is part of normal life now. I did what I can and what I thought is right for him. He made his decision with all the information. Rest of the variables are still there.

27/08/2026

* Auction clearance rates are through the floor

* House prices are falling at their fastest rate in nearly five years

* Investor loan applications have plummeted

* Chief executives of companies that have nothing to do with housing are talking about the slump

* Cost of building new houses has taken off again

But none of it seems to matter at the big end of town because 26,400 undeveloped housing lots went under the hammer and sold for a whopping $1.27 billion.

Statement from Director: They have been through a number of market cycles over 40 years, and one thing that doesn’t come down is bloody land!

Now you know what well informed people are doing....They are not listening to news but looking at fundamental of economics which will work not what people think or say!

26/08/2026

Buyer Competition Has Changed — Is This Your Opportunity?

The property market feels very different right now.

Buyer competition has weakened for several reasons:

• First-home buyers are worried about negative equity. If someone borrows 95% with a 5% deposit and prices fall 5–10%, they could quickly find themselves with very little equity — or owing more than the property is worth.

• SMSF buyers have effectively disappeared from the residential market following the recent changes, removing another group of potential buyers.

• Property investors who previously relied on negative gearing and capital gains tax benefits are becoming more cautious, particularly when considering established properties.

• New property investors are also more cautious. Concerns around builders, construction costs and recent industry failures are making buyers think twice before committing to new dwellings.

• Construction costs remain a major concern. What looks like a fixed-price contract can still become a difficult experience for buyers, with price increases and variations creating uncertainty before construction even gets underway.

• Upgraders are sitting on the sidelines. Many are asking: Should I buy first and sell later? What happens if prices fall? Selling first provides certainty, but finding the next home and managing the move can be challenging.

• Downsizers face the same dilemma. They may be concerned that their existing home could sell for less than expected, reducing the amount available to purchase their next property.

So who has the advantage?

Interestingly, a financially secure owner-occupier who is ready to move may have more negotiating power today than they have had for quite some time.
Less competition can mean:
✅ More choice
✅ More room to negotiate
✅ Less pressure to make a rushed decision
✅ Potentially better opportunities from motivated sellers

This doesn't mean “buy because prices are falling.”

It means if your finances are strong, your borrowing capacity is comfortable and you have a genuine reason to move, this market may present an opportunity that wasn't available when competition was much stronger.

For everyone else, there is absolutely nothing wrong with waiting, watching and deciding when the numbers and circumstances make sense.

The best time to buy isn't determined by headlines. It's determined by your financial position and your long-term plan.

Market conditions change. Your strategy should be based on your circumstances, not fear or FOMO.

24/08/2026

📉 Falling Prices + 📈 Rising Rents = Improving Rental Yields?

One interesting side effect of a softer property market is what can happen to rental yields.

If property prices fall while rents continue to rise, investors may be able to purchase property at a lower price while generating stronger rental income.

For example:

🏠 Property value: $800,000 → $750,000
💰 Annual rent: $650 → $700 per week

The property is now cheaper to buy, while the rental income has increased — potentially improving the gross rental yield.

This can create opportunities for investors who are looking beyond short-term price movements and focusing on:

✅ Rental income
✅ Cash flow
✅ Long-term capital growth
✅ Location and demand
✅ Overall borrowing and holding costs

Of course, a higher rental yield doesn't automatically make a property a good investment. Interest rates, vacancies, maintenance, taxes, insurance and the quality of the property all matter.

But sometimes, a market correction can create opportunities that simply aren't available when prices are rising rapidly.

For investors, the question isn't only “Where are prices going?” — it's also “What income can this asset generate at today's price?”

21/08/2026

Something to think about.

In 1960, Swiss psychiatrist Carl Jung one of the most influential psychologists to ever live, was once asked, “What do you consider to be more or less basic factors making for happiness in the human mind?”

Jung listed them off:

1. Good Physical and mental Health

2. Good Personal and Intimate relationships

3. Perceiving Beauty in Art and Nature

4. Reasonable standards of Living and Satisfactory work

5. A philosophic or religious point of view capable of coping successfully with Vicissitudes of life

You can see how having MONEY can affect some of the those points BUT Money – especially LOT OF MONEY is NOT One of the Point in the List.

Happy Friday and Enjoy your Long Weekend.

Federal Debt hit $1 Trillion dollar this month The $1 trillion figure does not include the $650 billion in debt owed by ...
19/08/2026

Federal Debt hit $1 Trillion dollar this month

The $1 trillion figure does not include the $650 billion in debt owed by Australia’s state governments

Treasury projects gross debt will rise to $1.25 trillion by the end of the decade.

In 2026-27, taxpayers will spend $29.6 billion on debt interest

Federal government could give a $2000 tax cut to every taxpayer if it didn’t have to pay the $30 billion annual interest bill.

If any business owner runs his business like this then all shareholders will sack that CEO right away…… I think this Team has no right to brag about anything…your actions speak louder than your words…And please don’t compare with your opposition. You are chosen for this work not your opposition.

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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