Franzway

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Wealth & Borrowing Specialist
Helping professionals build long-term wealth through strategic lending and smarter borrowing decisions.
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26/06/2026

๐—ก๐—ฒ๐—ด๐—ฎ๐˜๐—ถ๐˜ƒ๐—ฒ ๐—ด๐—ฒ๐—ฎ๐—ฟ๐—ถ๐—ป๐—ด ๐—ถ๐˜€ ๐—ผ๐—ป๐—ฒ ๐—ผ๐—ณ ๐˜๐—ต๐—ฒ ๐—บ๐—ผ๐˜€๐˜ ๐˜๐—ฎ๐—น๐—ธ๐—ฒ๐—ฑ-๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐˜๐—ผ๐—ฝ๐—ถ๐—ฐ๐˜€ ๐—ถ๐—ป ๐—ฝ๐—ฟ๐—ผ๐—ฝ๐—ฒ๐—ฟ๐˜๐˜† ๐—ถ๐—ป๐˜ƒ๐—ฒ๐˜€๐˜๐—ถ๐—ป๐—ด.

And while tax deductions can be valuable, they should never be the sole reason for buying an investment
property.

For many investors, negative gearing forms part of a broader strategy focused on long-term growth and
wealth creation.

The real questions to ask are:
โœ” Is this the right asset?
โœ” Does it fit my goals?
โœ” Can I comfortably hold it long term?
โœ” Does the strategy still work beyond the tax benefits?

The most successful investors focus on building a plan that suits their circumstances, risk profile, and long-
term objectives.

Tax outcomes matter.

But strategy comes first.

What role do you think negative gearing should play in an investment strategy?


26/06/2026

๐—ฃ๐—ข๐—ฉ: ๐—ฌ๐—ผ๐˜‚'๐˜ƒ๐—ฒ ๐—ณ๐—ถ๐—ป๐—ฎ๐—น๐—น๐˜† ๐—ณ๐—ถ๐—ป๐—ถ๐˜€๐—ต๐—ฒ๐—ฑ ๐—ฟ๐—ฒ๐—ฐ๐—ผ๐—ฟ๐—ฑ๐—ถ๐—ป๐—ด... ๐—ฎ๐—ป๐—ฑ ๐˜๐—ต๐—ฒ ๐—š๐—ผ๐˜ƒ๐—ฒ๐—ฟ๐—ป๐—บ๐—ฒ๐—ป๐˜ ๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐˜€ ๐˜๐—ต๐—ฒ ๐—ฟ๐˜‚๐—น๐—ฒ๐˜€. ๐Ÿ˜…

Back to the camera we go!

25/06/2026

๐—ง๐—ต๐—ฒ ๐—ฒ๐˜…๐—ฐ๐—ถ๐˜๐—ฒ๐—บ๐—ฒ๐—ป๐˜ ๐—ถ๐—ป ๐˜๐—ต๐—ถ๐˜€ ๐—ฐ๐˜‚๐˜€๐˜๐—ผ๐—บ๐—ฒ๐—ฟ'๐˜€ ๐˜ƒ๐—ผ๐—ถ๐—ฐ๐—ฒ ๐˜๐—ผ๐—ฑ๐—ฎ๐˜† ๐˜„๐—ฎ๐˜€ ๐˜€๐—ผ๐—บ๐—ฒ๐˜๐—ต๐—ถ๐—ป๐—ด ๐—œ'๐—น๐—น ๐—ป๐—ฒ๐˜ƒ๐—ฒ๐—ฟ ๐—ณ๐—ผ๐—ฟ๐—ด๐—ฒ๐˜.

We work with banks, agents and property every day, so it's easy to forget how daunting buying a home can feel for someone doing it for the first or second time.

The media loves to focus on the negatives, but here's what I see every day:

โœ… Buyers getting finance approved
โœ… Offers being accepted
โœ… Families moving into new homes
โœ… People taking the next step in their property journey

If you've been sitting on the sidelines because you're worried about making an offer, remember this...

You don't need to know everything before you start.

๐—ฌ๐—ผ๐˜‚ ๐—ท๐˜‚๐˜€๐˜ ๐—ป๐—ฒ๐—ฒ๐—ฑ ๐˜๐—ต๐—ฒ ๐—ฟ๐—ถ๐—ด๐—ต๐˜ ๐—ด๐˜‚๐—ถ๐—ฑ๐—ฎ๐—ป๐—ฐ๐—ฒ.

24/06/2026

"๐—ฆ๐— ๐—ฆ๐—™ ๐—ฝ๐—ฟ๐—ผ๐—ฝ๐—ฒ๐—ฟ๐˜๐˜† ๐—ถ๐—ป๐˜ƒ๐—ฒ๐˜€๐˜๐—ถ๐—ป๐—ด ๐—ถ๐˜€ ๐—ผ๐˜ƒ๐—ฒ๐—ฟ."

That's the headline many people are reading today.

The reality?

You can still buy property in your SMSF.

You can still build wealth for retirement.

You can still borrow for commercial property purchases through your SMSF.

The proposed changes simply mean investors may need to rethink how they approach residential property inside super.

Don't make financial decisions based on headlines.

Understand the facts first.

๐—–๐—ผ๐—บ๐—บ๐—ฒ๐—ป๐˜ "๐—ฆ๐— ๐—ฆ๐—™" ๐—ฏ๐—ฒ๐—น๐—ผ๐˜„ ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚'๐—ฑ ๐—น๐—ถ๐—ธ๐—ฒ ๐˜๐—ผ ๐—ธ๐—ป๐—ผ๐˜„ ๐—ต๐—ผ๐˜„ ๐˜๐—ต๐—ฒ๐˜€๐—ฒ ๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐˜€ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฝ๐—น๐—ฎ๐—ป๐˜€.

24/06/2026

Next Stop: Your Property Goals

Whether youโ€™re buying your first home, investing ,refinancing or growing your property portfolio, getting there starts with a plan.

The destination matters. The strategy matters more.

Ready to map out your next move? Letโ€™s chat.

mortgagebroker

23/06/2026

๐—›๐—ฎ๐—ฟ๐˜€๐—ต ๐—ง๐—ฟ๐˜‚๐˜๐—ต...

Just because you earn good money doesn't mean your home loan is set up correctly.

After helping homeowners and investors for years, I keep seeing the same thing:

โ€ข Smart people
โ€ข High incomes
โ€ข Great properties

But terrible loan structures.

They're doing exactly what the bank told them to do... and unknowingly paying more interest, missing tax opportunities, and slowing down their wealth creation.

The right loan isn't the one that's best for the bank.

It's the one that's designed around ๐—ฌ๐—ข๐—จ๐—ฅ ๐—ด๐—ผ๐—ฎ๐—น๐˜€.

If it's been more than 12 months since your lending strategy was reviewed, it might be time for a second opinion.

Send me a message and let's see if your loan is working for you or against you.

22/06/2026

๐—ก๐—ฒ๐—ด๐—ฎ๐˜๐—ถ๐˜ƒ๐—ฒ ๐—š๐—ฒ๐—ฎ๐—ฟ๐—ถ๐—ป๐—ด ๐—œ๐˜€๐—ป'๐˜ ๐˜๐—ต๐—ฒ ๐—š๐—ผ๐—ฎ๐—น.

One of the biggest mistakes investors make is chasing a tax deduction instead of building wealth.

Don't get me wrong - negative gearing can be a useful tool.

But it's not the strategy.

The investors who build long-term wealth focus on:
โœ”๏ธ Cash flow
โœ”๏ธ Borrowing capacity
โœ”๏ธ Asset selection
โœ”๏ธ The right lending structure

Because if your investment only works because of a tax deduction... does it really work?

Build a portfolio that still makes sense in 10 years - not just at tax time.

Want to discuss your investment strategy? Send us a DM.

22/06/2026

Itโ€™s a simple message, but one that catches a lot of buyers out.

That new car might seem affordable today.
But the car loan, lease, novated lease, or personal loan could significantly reduce your borrowing capacity when itโ€™s time to apply for a home loan.

Weโ€™ve seen buyers miss out on their dream home because they committed to a vehicle first.

A house can help build wealth.

A car usually goes down in value.

If buying a home is on your radar in the next few years, consider getting the house first.

Future you might thank you for it.

Buy the asset before the liability.

Buying your first home is a huge milestone, and we're grateful to be part of the journey.Thanks Reece for the kind words...
22/06/2026

Buying your first home is a huge milestone, and we're grateful to be part of the journey.

Thanks Reece for the kind words, we're so glad we could help make the process smoother for you.

21/06/2026

๐—•๐˜‚๐—ณ๐—ณ๐—ฒ๐—ฟ ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ โ€” ๐˜„๐—ต๐˜† ๐˜†๐—ผ๐˜‚๐—ฟ ๐—น๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ฟ ๐˜๐—ฒ๐˜€๐˜๐˜€ ๐˜†๐—ผ๐˜‚ ๐—ฎ๐˜ ๐Ÿฏ% ๐—ฎ๐—ฏ๐—ผ๐˜ƒ๐—ฒ ๐˜๐—ต๐—ฒ ๐—ฎ๐—ฐ๐˜๐˜‚๐—ฎ๐—น ๐—ฟ๐—ฎ๐˜๐—ฒ

You were approved at 6.5%. But the bank tested you at 9.5%.

The 3% serviceability buffer - mandated by APRA - is one of the biggest factors limiting how much Australian borrowers can access right now.

Here's exactly how it works and why it affects you more than you might think.

Confused by your borrowing capacity? DM me, its usually the buffer.

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

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