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Franzway

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Franzway, Finance, 32/18-20 Naru Street, Chinderah.

Wealth & Borrowing Specialist
Helping professionals build long-term wealth through strategic lending and smarter borrowing decisions.
⭐120 + 5 Star Google Reviews
Book a strategy call ⬇️
https://linktr.ee/franzway

03/06/2026

𝗦𝗮𝗺𝗲 𝗶𝗻𝗰𝗼𝗺𝗲. 𝗗𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗹𝗲𝗻𝗱𝗲𝗿𝘀. 𝗖𝗼𝗺𝗽𝗹𝗲𝘁𝗲𝗹𝘆 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗯𝗼𝗿𝗿𝗼𝘄𝗶𝗻𝗴 𝗰𝗮𝗽𝗮𝗰𝗶𝘁𝘆. 𝗛𝗲𝗿𝗲'𝘀 𝘄𝗵𝘆 -

Same income, different lender, $𝟭𝟱𝟬,𝟬𝟬𝟬 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲 𝗶𝗻 𝗯𝗼𝗿𝗿𝗼𝘄𝗶𝗻𝗴 𝗽𝗼𝘄𝗲𝗿. Lenders assess overtime, commissions, rental income, self-employed add-backs , and causal work in completely different ways.

Here's why choosing the right lender for your income type matters as much as the rate.

Self-employed or on a variable income? 𝗗𝗠 𝗺𝗲 - 𝗹𝗲𝗻𝗱𝗲𝗿 𝗺𝗮𝘁𝗰𝗵𝗶𝗻𝗴 𝗺𝗮𝘁𝘁𝗲𝗿𝘀.

02/06/2026

𝗧𝗵𝗲 𝗵𝗶𝗱𝗱𝗲𝗻 𝗰𝗼𝘀𝘁𝘀 𝗼𝗳 𝗿𝗲𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴 - 𝘄𝗵𝗮𝘁 𝗻𝗼𝗯𝗼𝗱𝘆 𝘁𝗮𝗹𝗸𝘀 𝗮𝗯𝗼𝘂𝘁 𝗯𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝘀𝘄𝗶𝘁𝗰𝗵.

Refinancing looks like a free win. But there are exit costs, entry costs and sometimes breakfees that chagne the maths. Here's the calcualtion that actually tells you whether switching is worth it - and the number most people never run before they sign.

01/06/2026

𝗪𝗔𝗜𝗧𝗜𝗡𝗚 𝗧𝗢 𝗔𝗩𝗢𝗜𝗗 𝗟𝗠𝗜 𝗖𝗢𝗨𝗟𝗗 𝗖𝗢𝗦𝗧 𝗬𝗢𝗨 𝗠𝗢𝗥𝗘!

A lot of first home buyers are told:
“Don’t buy until you have 20%.”

𝗕𝘂𝘁 𝗵𝗲𝗿𝗲’𝘀 𝘁𝗵𝗲 𝗽𝗿𝗼𝗯𝗹𝗲𝗺...

If a $700k property grows by 5% while you spend another year saving… that property is now worth $735k.
You may have avoided $15k in LMI - but the market moved by $35k.

And if you qualify for the First Home Guarantee Scheme, you may be able to buy with as little as 5% deposit and avoid LMI altogether.

The point isn’t that LMI is always good.
It’s that the decision should be based on real numbers - not fear.

Sometimes waiting makes sense.
Sometimes getting into the market sooner is the better financial move.

Want to know which side of the equation you’re on?
DM me or book a free call at www.franzway.com.au

01/06/2026

𝗪𝗵𝗮𝘁 𝗛𝗮𝗽𝗽𝗲𝗻𝘀 𝘁𝗼 𝗬𝗼𝘂𝗿 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗜𝗳 𝗬𝗼𝘂𝗿 𝗜𝗻𝗰𝗼𝗺𝗲 𝗦𝘁𝗼𝗽𝘀?

Taking on a mortgage means committing to 25–30 years of repayments… but have you thought about what happens if your income suddenly stops?

Most Australians only have a few months of financial backup. So if illness, injury, or the unexpected happens, the pressure can build fast.

🎙️ In this conversation with 𝗗 𝗳𝗿𝗼𝗺 𝗞𝗲𝗲𝗽 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗖𝗼, we talk about:
✔️ Why income protection matters
✔️ The risks that come with a mortgage
✔️ Protecting your family and future
✔️ Creating a financial safety net when life doesn’t go to plan

Nobody likes thinking about worst-case scenarios — but having the right protection in place can make all the difference.

🎥 Watch the full podcast/video here:
https://youtu.be/_ydRhA4NIH0

31/05/2026

𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝘁-𝗢𝗻𝗹𝘆 𝗟𝗼𝗮𝗻𝘀: 𝗦𝗺𝗮𝗿𝘁 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝗼𝗿 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗧𝗿𝗮𝗽?

Interest-only loans are one of the most misunderstood tools in property investing.

Used correctly, they can improve cash flow, increase flexibility, and help investors scale their portfolios strategically. Used incorrectly, they can create serious long-term issues.

In this video, we break down:
✔️ How interest-only loans actually work (with real numbers)
✔️ Why experienced investors use them
✔️ The risks most people overlook
✔️ The structure that makes them work long term

The complete picture — not just the sales pitch.

Book a free strategy call now https://calendly.com/todd-franzway/15min-phonecallwithtodd

31/05/2026

𝗟𝗼𝗻𝗴-𝘁𝗲𝗿𝗺 𝗰𝗹𝗶𝗲𝗻𝘁𝘀 𝗮𝗿𝗲 𝘁𝗵𝗲 𝗴𝗿𝗲𝗮𝘁𝗲𝘀𝘁 𝗰𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁.

A huge thank you to Stephen for trusting the Franzway team over the years. We love helping clients find solutions, tackle complex scenarios, and keep moving towards their property goals.

30/05/2026

𝗧𝗛𝗘 𝗧𝗔𝗫 𝗗𝗘𝗗𝗨𝗖𝗧𝗜𝗢𝗡 𝗠𝗢𝗦𝗧 𝗜𝗡𝗩𝗘𝗦𝗧𝗢𝗥𝗦 𝗠𝗜𝗦𝗦

Most property investors are leaving 𝘁𝗵𝗼𝘂𝘀𝗮𝗻𝗱𝘀 𝗶𝗻 𝘁𝗮𝘅 𝗱𝗲𝗱𝘂𝗰𝘁𝗶𝗼𝗻𝘀 𝗼𝗻 𝘁𝗵𝗲 𝘁𝗮𝗯𝗹𝗲.

With negative gearing rules now changed, depreciation has become one of the biggest tax strategies left for investors.

▪️ New properties can generate $15k–$20k+ in deductions in year one alone.
▪️ Older properties may still qualify for building depreciation too.

And the best part?
You haven’t actually spent that money during the financial year.

A depreciation schedule can cost a few hundred dollars but save you thousands over time.

If you own an investment property and don’t have one yet, it’s worth checking before tax time.

DM me if you want to know how it works.

29/05/2026

𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀: 𝗧𝗵𝗲 𝟮𝟬𝟮𝟲 𝗙𝗲𝗱𝗲𝗿𝗮𝗹 𝗕𝘂𝗱𝗴𝗲𝘁 𝗵𝗮𝘀 𝗽𝘂𝘁 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲𝘀 𝘂𝗻𝗱𝗲𝗿 𝘁𝗵𝗲 𝘀𝗽𝗼𝘁𝗹𝗶𝗴𝗵𝘁.

If you own property in a trust - or you're considering a trust or company structure - here's what you need to know:

✔ Negative gearing changes already in effect for new purchases
✔ Proposed CGT changes from 1 July 2027
✔ Proposed 30% minimum tax on discretionary trust income from 1 July 2028

Many investors are now asking: Should I use a company instead?

The answer depends on your goals, tax position, and borrowing strategy.

DM STRUCTURE and we'll help you understand the lending implications of your accountant's recommendations.

⚠️ General information only. Proposed measures have not yet passed Parliament. Seek professional tax and legal advice before making decisions.

29/05/2026

Happy Friday!

Team Franzway enjoying the first sunny day in weeks down at Caba Beach.

Sunshine, hot pies and beach views. A great way to finish the week and celebrate a record month in settlements.

Have a fantastic weekend everyone 😎

29/05/2026

We love hearing feedback like this.

Making the process feel simple, smooth, and stress-free is exactly what we aim for.

Thanks for the kind words and recommendation Aaron!

Address

32/18-20 Naru Street
Chinderah, NSW
2487

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+61416114990

Website

https://linktr.ee/franzway

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