Rick Peng - Financial Adviser & Mortgage Broker

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Rick Peng - Financial Adviser & Mortgage Broker I help families who want to become debt free and retire with confidence to achieve their goals.

29/09/2026

The Reserve Bank has officially increased the cash rate from 4.35% to 4.60%. Here are 3 key takeaways for homeowners and buyers navigating this shift:

1️⃣ Proactive Rate Reviews Pay Off: Over the last month, we’ve been reaching out directly to lenders to negotiate competitive pricing for our clients ahead of this move.

2️⃣ Focus on Overall Cash Flow: While rate discounts help, ensuring your monthly household budget remains balanced and sustainable for everyday living is essential.

3️⃣ Actionable Takeaway: Rate movements don't mean you're out of options. Reviewing your structure now can help keep your finances on track.

Disclaimer: General advice only. Please seek personal guidance for your specific situation.

📲 Want to see where your cash flow and rate stand? Send us a message to chat with our team!

10/09/2026

Is it time to pivot from rentvesting to homeownership? Here are 3 key takeaways from this weekend’s property market update:

- Auction Dynamics: Low bidder attendance at recent auctions is opening rare opportunities for buyers to negotiate with leverage.
- Upgrader Shifts: More buyers are selling existing property assets to transition out of renting and secure a long-term principal residence.
- Security vs. Strategy: While wealth-creation strategies work, homeownership provides irreplaceable stability and peace of mind.

Wondering where your borrowing capacity stands in today's market? Send us a message or comment below to chat about your options! 📩

25/08/2026

Weekend Market Snapshot: Upper North Shore Insights 🏠📍

Inspected 17 properties across Roseville, Lindfield, and Killara over the weekend - here are 3 key takeaways for buyers and upgraders:

1. Deceased Estates driving auction success: Both auction properties sold under the hammer. Inherited properties often mean motivated sellers, offering unique entry points for buyers with active pre-approvals.

2. Upgrader shifts & long-term value: Securing a prime North Shore property with a tennis court within walking distance to the train station for $5.3M represents outstanding long-term value for families looking to settle in top school zones.

3. Changing tax laws affecting rentals: Recent tax changes are prompting more investors to sell, putting pressure on local families who face steep rent increases to stay in their school catchments.

Thinking of upgrading your family home or checking your lender capacity in today's market?

👉 Send me a message or comment below to check your borrowing power!

17/08/2026

Inspected 12 homes and tracked 2 Roseville auctions this weekend ($2.33M & $3.6M). Given Roseville's typical price expectations, these numbers signal a key market shift:

Buyer Opportunities: Seeing properties sell at $2.33M and $3.6M, even within walking distance of Roseville station, represents rare value for the area compared to recent years.

Upgrader Shift: More clients are preparing to sell investment or current owner-occupied properties to lock in long-term family homes.

Lender Activity: Lenders offering higher borrowing limits are extremely busy as buyers prepare to make their move.

The market is finding its balance, creating strategic windows for ready buyers. Send a DM or leave a comment to explore your borrowing options! 📩

12/08/2026

Is the Reserve Bank going to raise or lower interest rates next? 📈📉

With the cash rate holding at 4.35%, the future direction remains uncertain—but there’s an opportunity right now. With loan applications slowing down, many lenders are actively competing for customers and offering lower rates for existing borrowers.

Watch the video to see what this means for you, and feel free to send me a message if you'd like to check if you're getting the best rate on your home loan!

09/08/2026

The current status of the property market in Sydney North Shore. People are taking this opportunity to upgrade as property prices have dropped.

Lately, I’ve been reflecting on some experiences with my clients in recent weeks and just how completely unpredictable l...
06/08/2026

Lately, I’ve been reflecting on some experiences with my clients in recent weeks and just how completely unpredictable life can be.

Doing what I do, I get a front-row seat to almost every stage of life, from celebrating new births and helping families buy their first homes, to navigating major health crises and supporting loved ones after someone passes away.

I’ve worked with people who literally had a few hundred dollars left in their pocket and I’ve worked with very wealthy families. If there’s one thing I’ve learned, it’s that everyone has their own struggles, and everyone has a story worth telling.

I feel deeply honoured that my clients trust me enough to share those stories with me and let me help guide them through the highs and lows. It’s a privilege I never take for granted.

Moments like this remind me that we really need to treasure every single day and make the most of the time we have with the people we love. Grateful for the trust, the conversations and the journey.

23/05/2026

Is negative gearing actually dead? 🛑 Let’s look at the numbers.

There’s a massive wave of panic out there about the 2026 Budget, but the reality is a lot different for smart investors. While writing off established property losses against your salary is restricted, the framework introduces a powerful incentive: Portfolio Netting.

Here’s a quick math example:
📈 Property 1: +$20,000 (Taxable Profit)
📉 Property 2: -$15,000 (Net Rental Loss from an Established Purchase)
➡️ The Result: The ATO allows you to pool these. Your final taxable net rental income drops to just +$5,000.

The Real Winners here? Existing property owners who already hold positively geared assets. The new framework gives you a massive green light to keep acquiring established properties because your portfolio can absorb the losses straight away.

The strategy hasn't changed—it’s just moved from a single-asset wage subsidy into an interconnected portfolio play.

💬 What are your thoughts on the new pooling rules? Let’s chat in the comments below.

👇 Make sure to save this post and follow along for Part 2, where I'll map out how depreciation interacts with this exact setup!

21/05/2026

A typical working day. ✨


Government spending is at its highest level in 40 years — now consuming around 23% of GDP, up from a low of just 17.5% a...
05/05/2026

Government spending is at its highest level in 40 years — now consuming around 23% of GDP, up from a low of just 17.5% a decade ago.

Unlike the COVID spike, this time spending isn't coming back down. And when governments spend persistently at this level, it keeps inflation sticky and interest rates higher for longer.

The bill for big government is showing up in your interest rate.

📊 Source: Morgan Stanley Research

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Chatswood, NSW
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