Fran's Home Loan Advisory Service

23/01/2026

Buying your first home can feel overwhelming, especially when everyone has an opinion, and most advice focuses only on interest rates.

I’ve put together a short First Home Buyers mini course on YouTube that explains the buying process calmly and step by step.
No hype. No rushing. Just clarity around decisions, risks, and what actually matters early on.

It’s designed for people who feel like they’re 6–12 months away and want to understand things properly before making offers.

If it helps even one person feel clearer, it’s done its job.

Here’s the link if you’d like to watch it in your own time:

Buying your first home can feel overwhelming, especially when you’re receiving mixed advice and feel like you’re not ready yet.In this short video, I explain...

26/08/2025

🏡 𝐁𝐢𝐠 𝐂𝐡𝐚𝐧𝐠𝐞𝐬 𝐟𝐨𝐫 𝐅𝐢𝐫𝐬𝐭 𝐇𝐨𝐦𝐞 𝐁𝐮𝐲𝐞𝐫𝐬: 𝐇𝐞𝐫𝐞’𝐬 𝐖𝐡𝐚𝐭 𝐘𝐨𝐮 𝐍𝐞𝐞𝐝 𝐭𝐨 𝐊𝐧𝐨𝐰

The government’s First Home Guarantee Scheme is about to become much bigger. Soon, all first home buyers will be able to purchase with as little as a 5% deposit—and pay no Lenders Mortgage Insurance (LMI).

𝐖𝐡𝐚𝐭 𝐝𝐨𝐞𝐬 𝐭𝐡𝐚𝐭 𝐦𝐞𝐚𝐧 𝐢𝐧 𝐫𝐞𝐚𝐥 𝐭𝐞𝐫𝐦𝐬?
👉 On an $800,000 property, you could get in with just $40,000 saved.
👉 Grants and stamp duty concessions can further reduce your overall costs—but remember, lenders still require your 5% deposit to be in place before approval.

This is exciting news, but here’s the catch: history shows schemes like this often push property prices higher as more buyers rush in at once. Acting early could give you an edge before demand spikes.

𝐀𝐭 𝐅𝐫𝐚𝐧'𝐬 𝐇𝐨𝐦𝐞 𝐋𝐨𝐚𝐧 𝐀𝐝𝐯𝐢𝐬𝐨𝐫𝐲 𝐒𝐞𝐫𝐯𝐢𝐜𝐞, 𝐰𝐞 𝐡𝐞𝐥𝐩 𝐟𝐢𝐫𝐬𝐭 𝐡𝐨𝐦𝐞 𝐛𝐮𝐲𝐞𝐫𝐬:
✅ Understand how to combine this scheme with state-based grants
✅ Structure their loan for long-term flexibility (not just the lowest rate)
✅ Avoid the common traps that can cost thousands down the line

📩 If you’re thinking about your first home, now is the time to get tailored advice before the market heats up.

👉 Send us a message to see if you’re eligible.

Disclaimer: General information only. Always seek personal advice before making property or financial decisions.

08/08/2025

☕ 𝐀𝐒𝐊-𝐌𝐄-𝐀𝐍𝐘𝐓𝐇𝐈𝐍𝐆 𝐖𝐄𝐄𝐊𝐄𝐍𝐃

Borrowing questions keeping you up?

📅 Saturday 10–11 AM I’m doing a live “coffee Q&A” in the comments.

Topics on the menu:
• 5 % deposit pathways ☑️
• Repricing vs refinancing ☑️
• How brokers get paid (spoiler: the bank foots the bill) ☑️

Pop your Q below now so I can prep the good stuff. Best question wins a coffee voucher + a dad joke rated 8/10.

30/07/2025

𝐁𝐀𝐍𝐊 𝐒𝐐𝐔𝐄𝐄𝐙𝐄 𝐅𝐑𝐈𝐃𝐀𝐘

Major banks admit loans sold through brokers are 20-30 % less profitable for them.:

Translation: our sheer volume keeps them honest on rates & fees.

If you like the sound of big-bank competition working 𝐟𝐨𝐫 you, tap 👍 and I’ll show you today’s sharpest variable deals

28/07/2025

🔍 𝐁𝐄𝐒𝐓 𝐈𝐍𝐓𝐄𝐑𝐄𝐒𝐓𝐒 𝐃𝐔𝐓𝐘 𝐄𝐗𝐏𝐋𝐀𝐈𝐍𝐄𝐃

Since 2021, brokers are legally bound by 𝑩𝒆𝒔𝒕 𝑰𝒏𝒕𝒆𝒓𝒆𝒔𝒕𝒔 𝑫𝒖𝒕𝒚—we 𝐦𝐮𝐬𝐭 find the loan that’s best for you, not the one that pays us more.

Banks? They still push their own products first (fair enough, it’s their job!).

Choose your team wisely. 🏆

DM “BEST” if you want a no-strings comparison.

28/07/2025

🪄 𝗠𝗢𝗡𝗗𝗔𝗬 𝗠𝗬𝗧𝗛-𝗕𝗨𝗦𝗧𝗘𝗥

𝑀𝑌𝑇𝐻: “𝑈𝑠𝑖𝑛𝑔 𝑎 𝑚𝑜𝑟𝑡𝑔𝑎𝑔𝑒 𝑏𝑟𝑜𝑘𝑒𝑟 𝑗𝑢𝑠𝑡 𝑎𝑑𝑑𝑠 𝑎 𝑚𝑖𝑑𝑑𝑙𝑒-𝑚𝑎𝑛 𝑓𝑒𝑒 𝑎𝑛𝑑 𝑏𝑢𝑚𝑝𝑠 𝑢𝑝 𝑚𝑦 𝑟𝑎𝑡𝑒.”

𝐹𝐴𝐶𝑇: 𝐵𝑟𝑜𝑘𝑒𝑟𝑠 𝑛𝑜𝑤 𝑎𝑟𝑟𝑎𝑛𝑔𝑒 **76.8 % 𝑜𝑓 𝑎𝑙𝑙 𝑛𝑒𝑤 ℎ𝑜𝑚𝑒 𝑙𝑜𝑎𝑛𝑠**—𝑏𝑒𝑐𝑎𝑢𝑠𝑒 𝑐𝑜𝑚𝑝𝑒𝑡𝑖𝑡𝑖𝑜𝑛 = 𝑠ℎ𝑎𝑟𝑝𝑒𝑟 𝑑𝑒𝑎𝑙𝑠, 𝑛𝑜𝑡 ℎ𝑖𝑔ℎ𝑒𝑟 𝑐𝑜𝑠𝑡𝑠.:𝑐𝑜𝑛𝑡𝑒𝑛𝑡𝑅𝑒𝑓𝑒𝑟𝑒𝑛𝑐𝑒[𝑜𝑎𝑖𝑐𝑖𝑡𝑒:0]{𝑖𝑛𝑑𝑒𝑥=0}

𝐷𝑟𝑜𝑝 𝑎 🏡 𝑖𝑓 𝑦𝑜𝑢 𝑙𝑜𝑣𝑒 𝑠𝑎𝑣𝑖𝑛𝑔 𝑡𝑖𝑚𝑒 *𝑎𝑛𝑑* 𝑚𝑜𝑛𝑒𝑦, 𝑜𝑟 𝐷𝑀 𝑚𝑒 “𝑀𝑌𝑇𝐻” 𝑓𝑜𝑟 𝑡ℎ𝑒 𝑏𝑒ℎ𝑖𝑛𝑑-𝑡ℎ𝑒-𝑠𝑐𝑒𝑛𝑒𝑠 𝑛𝑢𝑚𝑏𝑒𝑟𝑠.

22/07/2025

🏡 𝐑𝐞𝐚𝐥 𝐒𝐭𝐨𝐫𝐲: 𝐇𝐨𝐰 𝐓𝐡𝐢𝐬 𝐘𝐨𝐮𝐧𝐠 𝐅𝐚𝐦𝐢𝐥𝐲 𝐒𝐚𝐯𝐞𝐝 $𝟏𝟐𝟎𝐊 & 𝐁𝐮𝐢𝐥𝐭 𝐚 𝐒𝐚𝐟𝐞𝐫 𝐋𝐨𝐚𝐧 𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐲

A lovely couple we recently helped had just bought their family home after welcoming their first baby 👶.

𝑻𝒉𝒆𝒚 𝒄𝒂𝒎𝒆 𝒕𝒐 𝒖𝒔 𝒂𝒔𝒌𝒊𝒏𝒈:

➡️ “Can we reduce our loan to 60% and go interest-only for 5 years? It’ll lower our repayments, right?”

On paper, it sounded fine. But when we dug a little deeper, we realised that plan could cost them more than it saved.

𝐇𝐞𝐫𝐞'𝐬 𝐰𝐡𝐲 👇

🔍 The 60% LVR meant using up most of their savings.
💥 Going interest-only for 5 years meant MUCH higher repayments later (with less time to pay it off).
🧸 One partner had just gone self-employed to care for the baby, so flexibility and cash flow were key.

💡 𝐒𝐨 𝐢𝐧𝐬𝐭𝐞𝐚𝐝, 𝐰𝐞 𝐫𝐞𝐜𝐨𝐦𝐦𝐞𝐧𝐝𝐞𝐝:

✅ Keeping their loan at 70% LVR — saving them $120,000 in cash buffer
✅ Choosing Principal & Interest repayments — helping them pay it down sooner
✅ Working with a lender offering the same low rate at 70% LVR — no need to compromise

𝐓𝐡𝐞 𝐫𝐞𝐬𝐮𝐥𝐭?
🛡️ A safer, smarter loan setup
💰 A huge savings buffer preserved
🧠 Peace of mind during a big life transition

This is what we do at Fran’s Home Loan Advisory — real advice, tailored to your life.

Not just the lowest rate.
Not just a cookie-cutter deal.
✅ But strategy.
✅ Stability.
✅ And a loan that works for you.

📲 If you’re planning a move, building a family, or wondering if your loan is still right — let’s talk.
Book a 30-minute chat

14/07/2025

✅ 𝐇𝐨𝐰 𝐚 𝐒𝐦𝐚𝐥𝐥 𝐋𝐨𝐚𝐧 𝐓𝐰𝐞𝐚𝐤 𝐆𝐨𝐭 𝐅𝐫𝐚𝐧-𝐜𝐡𝐢𝐬𝐞𝐝™

When it comes to building wealth through property, it’s not just about how much you borrow — it’s about where that debt sits and how hard it works for you.

Recently, I helped a couple get their investment loan 𝐅𝐫𝐚𝐧-𝐜𝐡𝐢𝐬𝐞𝐝™:

🔹 Instead of tying up all their cash savings in the new purchase, we released equity from their current home ,
But in a smart, non-collateralised way, so their family home and investment aren’t tangled together.

🔹 Kept the investment loan at 80% LVR, meaning No Lender’s Mortgage Insurance (LMI) to pay.

🔹 Redirected their savings to pay down their owner-occupied home loan, cutting non-deductible interest first.

🔹 Same total debt (give or take), but now they claim more tax deductions and keep more money working for them, not the bank.

📊 𝐅𝐫𝐚𝐧-𝐜𝐡𝐢𝐬𝐞𝐝™ 𝐎𝐮𝐭𝐜𝐨𝐦𝐞? 𝐁𝐢𝐠𝐠𝐞𝐫 𝐭𝐚𝐱 𝐬𝐚𝐯𝐢𝐧𝐠𝐬, 𝐧𝐨 𝐮𝐧𝐧𝐞𝐜𝐞𝐬𝐬𝐚𝐫𝐲 𝐋𝐌𝐈, 𝐳𝐞𝐫𝐨 𝐜𝐫𝐨𝐬𝐬-𝐜𝐨𝐥𝐥𝐚𝐭𝐞𝐫𝐚𝐥𝐢𝐬𝐚𝐭𝐢𝐨𝐧 𝐫𝐢𝐬𝐤 𝐚𝐧𝐝 𝐚 𝐬𝐭𝐫𝐮𝐜𝐭𝐮𝐫𝐞 𝐭𝐡𝐚𝐭 𝐰𝐨𝐫𝐤𝐬 𝐬𝐦𝐚𝐫𝐭𝐞𝐫 𝐟𝐨𝐫 𝐭𝐡𝐞𝐢𝐫 𝐠𝐨𝐚𝐥𝐬.

14/07/2025

🏡 𝑫𝑬𝑷𝑶𝑺𝑰𝑻 𝑹𝑬𝑨𝑳𝑰𝑻𝒀 𝑪𝑯𝑬𝑪𝑲 🏡

Melbourne median = $800k.

Old school says: “Save $160k or stay renting.”

First Home Guarantee says: “5 % is plenty.”

Translation: you could be house-hunting with $40k instead of $160k.

DM me “REALITY” if you want the napkin math for your suburb (plus a dad joke that rates at least 7/10).

14/07/2025

𝐌𝐘𝐓𝐇-𝐁𝐔𝐒𝐓𝐈𝐍𝐆 𝐌𝐎𝐍𝐃𝐀𝐘 ⚠️

“My mate said the Government hands you the missing 15 % deposit.”
🙅 Nope. The Guarantee protects the lender—not your wallet.
You still need your 5 % plus buying costs.
Hit 🏡 if you learned something new, 🔄 if your mate needs to see this.