O'Dea Finance

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O’DEA FINANCE has been created with one clear purpose: to give clients access to tailored lending solutions, backed by practical advice and genuine advocacy at every stage of the process.

28/08/2026

Buying a home starts long before you make an offer.

Understanding your borrowing power, comparing lenders and having the right finance in place means you can act with confidence when the right property becomes available.

If you're planning to buy in the next 6–12 months, now is the perfect time to start the conversation.

Contact O'Dea Finance for a no-obligation chat.

📞 Nic: 0468 799 213
📞 Matt: 0409 396 469
📞 AJ: 0417 883 243

🌐 www.odeafinance.com.au

21/08/2026

Markets change. Interest rates change. Your circumstances change.

That's why reviewing your finance regularly is just as important as reviewing any other part of your financial plan.

Whether you're refinancing, purchasing your next property or simply wondering if you're still getting the best deal, we're here to help.

Book your no-obligation finance health check today.

📞 Nic: 0468 799 213
📞 AJ: 0417 883 243
📞 Matt: 0409 396 469

🌐 www.odeafinance.com.au

14/08/2026

Nic said he was looking forward to checking out the latest ag equipment at the Eyre Peninsula Field Days… and he certainly made the most of it!

From some seriously impressive machinery to catching up with clients and industry contacts, it was great to be back in Cleve for another Field Day.

We’re not sure Nic managed to convince the team that either of these were essential business purchases, though…!

Thanks to everyone who stopped for a chat with Nic, AJ and Matt.

Always great to get out and about across the Eyre Peninsula and connect with the people and businesses that keep our agricultural communities moving.

📞 Matt: 0409 396 469 | [email protected]
📞 AJ: 0417 883 243 | [email protected]
📞 Nic: 0468 799 213 | [email protected]

07/08/2026

During our last trip to the Eyre Peninsula, the glassy calm ocean was beautiful to look at, but left Matt wishing he had time to throw a line in! Despite the lack of fishing, it was a fantastic few days catching up with existing clients and meeting new ones across Port Lincoln, Cowell and Streaky Bay, and many other farm visits along the way!

We're looking forward to some more ocean views next week on the way to Cleve, when Nic, AJ and Matt head over for the Eyre Peninsula Field Days. If you'll be there on Wednesday 12th August and would like to catch up, we'd love to see you. Give AJ, Nic or Matt a call to arrange a time for a chat.

P.S. Nic is already counting down the days until he can check out all the latest ag equipment on display!

📞 Matt: 0409 396 469 | [email protected]
📞 AJ: 0417 883 243 | [email protected]
📞 Nic: 0468 799 213 | [email protected]

25/05/2026

🏠 Negative gearing changes are coming — have you reviewed your strategy?

By now most investors have heard the news. From 1 July 2027, negative gearing on established residential properties is restricted for anything purchased after 12 May 2026 — you can no longer offset rental losses against your salary or other income.

The question isn’t what changed — it’s what are you doing about it?

A few things worth thinking through right now:

✅ Is your current portfolio structured correctly going forward?
✅ Are new builds a better fit for your next purchase?
✅ Does your finance structure still make sense under the new rules?

The investors who move thoughtfully in the next 12 months will be well ahead of those who wait.

💬 Have a chat with our team:

Nic — [email protected] | 0468 799 213

Matt — [email protected] | 0409 396 469

AJ — [email protected] | 0417 883 243

13/04/2026

🏠 Why your borrowing power isn’t what it used to be

A lot of people are surprised when they go back to the bank and can’t borrow what they expected.

Here’s what’s changed:

-Interest rates are higher than a few years ago
-Living expense benchmarks have increased
-Lenders assess repayments at a buffer above actual rates
-Existing debts (credit cards, car loans, HECS) can have a bigger impact

The result? Borrowing capacity can be lower — even if your income has gone up.

That’s where strategy comes in.

-Structuring your application correctly
-Choosing the right lender for your scenario

These factors can make a meaningful difference.

If you’re planning to buy or invest soon, it’s worth understanding your position early.

Nic
📧 [email protected]
📞 0468 799 213

Matt
📧 [email protected]
📞 0409 396 469

AJ
📧 [email protected]
📞 0417 883 243

07/04/2026

🐣 Easter Break’s Over… Time to get things moving

Hope everyone had a great Easter and a well-earned reset.

Now it’s time to get back into it — and if 2026 is the year you’re looking to make a move financially, we’re here to help make it happen.

Whether you’re:
-Looking to refinance and reduce repayments
-Wanting to purchase a home or investment property
-Exploring commercial property or business lending
-Needing equipment or asset finance

We can help you structure it properly and move quickly.

The market doesn’t wait — and neither should you.

📩 Get in touch with our team today:

Nic – [email protected] | 0468 799 213
Matt – [email protected] | 0409 396 469
AJ – [email protected] | 0417 883 243

Let’s make Q2 count!

01/04/2026

🏡 Thinking about buying a home in 2026?

Whether you’re a first home buyer, upgrading, or looking to invest — the biggest mistake we see is people not understanding their true borrowing power before they start looking.

At O’Dea Finance, we help you:
- Understand exactly how much you can borrow
- Structure your loan properly from day one
- Compare lenders to get the right deal (not just the easy one)
- Move quickly when the right property comes up

In a changing rate environment, strategy matters more than ever.

If you’re even considering buying in the next 6–12 months, now is the time to get clarity.

📩 Send us a message or reach out directly:

📧 [email protected] | 📱 0468 799 213
📧 [email protected] | 📱 0409 396 469
📧 [email protected] | 📱 0417 883 243

24/03/2026

📈 We’re in a Rising Interest Rate Environment – What That Means

Rates aren’t what they were 12–18 months ago…

We’re now in a period where:
• Money isn’t “cheap” anymore
• Lending is more selective
• Structure matters more than ever

But here’s the thing most people miss…

This isn’t necessarily a bad environment — it just rewards the people who are set up properly.

What we’re seeing right now:
• Some clients are feeling the squeeze on cashflow
• Others are using this period to reposition and get ahead
• The difference is almost always in how their lending is structured

In markets like this, small changes can make a big difference:
- Improving cashflow
- Setting up for the next opportunity

If you haven’t reviewed things recently, it’s probably worth a quick look.

We are happy to run through the process.

[email protected]
[email protected]
[email protected]

09/03/2026

💰 When Was The Last Time You Reviewed Your Home Loan?

Many Australians are still sitting on interest rates well above what’s currently available.

A quick review of your home loan could potentially:

✔ Reduce your repayments
✔ Save thousands in interest
✔ Unlock equity for renovations or investments
✔ Consolidate other debts

At O’Dea Finance, we regularly review our clients’ loans to make sure they are still competitive.

If you’d like a free home loan review, send us an email or give us a call.

[email protected]
0468 799 213

[email protected]
0409 396 469

[email protected]
0417 883 243

Address

Clare, SA
5453

Telephone

+61409396469

Website

http://www.odeaff.com.au/

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