Charter Finance

Charter Finance Strategic lending. Smarter debt. Lasting wealth. How many times has your bank contacted you to review your loan and save you money?

At Charter Finance, we ensure our clients are given the knowledge and freedom to chart a path that gives them the best return. Every dollar that you work so hard for, will benefit you, not the bank! Go on, take action, and let us chart this journey with you!

The client was pre-approved for an investment purchase for $2.1 million, 3 months ago.Post-Budget, his capacity had drop...
16/06/2026

The client was pre-approved for an investment purchase for $2.1 million, 3 months ago.

Post-Budget, his capacity had dropped to $1.84M with the same lender.

He went to auction last weekend - we changed his pre-approval to another lender that has not changed their negative gearing policy as yet.

Property was passed in - he was the highest bidder - bought it for $150k less than the vendor bid.

If you’re planning a move, get your numbers re-run now - and change your lender if need be.

The EOFY question most high earners never ask:Is your current debt structure helping future you… or just reducing this y...
15/06/2026

The EOFY question most high earners never ask:
Is your current debt structure helping future you… or just reducing this year’s tax bill?

Because they’re not always the same thing.

I had a call last week with a surgeon who’d been prepaying interest on investment loans every June for three years running. Smart tax move on paper. But the non-deductible debt on his home was still sitting at $680K - untouched, compounding, not offset.

He was reducing the right debt for tax purposes. Not for wealth purposes.

EOFY is a good time to look at both.

Nobody wins the group stage with one moment of brilliance. They qualify by not making the mistake that sends them home.S...
12/06/2026

Nobody wins the group stage with one moment of brilliance. They qualify by not making the mistake that sends them home.

Same with money. Real wealth is rarely one bold call. It is avoiding the costly error, year after year, and keeping your structure sound.

What is the financial equivalent of a red card you see most often?

Most financial advice focuses on borrowing power, interest rates, investment strategies. But almost none of it addresses...
11/06/2026

Most financial advice focuses on borrowing power, interest rates, investment strategies. But almost none of it addresses what people actually want: clarity, stability, control.

You can buy an investment property, optimise your tax, grow your net worth, and still feel financially stressed.

That’s why we think about money differently. Across four things:

Cashflow - can you actually live well now?

Structure - are your decisions working together?

Risk - are you exposed without realising?

Time - are decisions that future-you will thank you for?

Most people optimise one piece. Very few build something that holds together. The goal isn’t just to build wealth. It’s to build a financial position that feels complete.

What does “feeling financially sorted” actually mean to you?

08/06/2026

Negative gearing isn’t dead - It’s just having a slightly difficult time figuring out why lenders are treating it so differently...

A quick 80-second walk through what the budget actually changed, what it didn’t, and importantly, why there’s a large difference in borrowing capacity amongst lenders.

Worth a watch if you are in the market for an investment property purchase.

PropertyStrategy Budget2026

23 directorships. 1 approval.Instead of overcomplicating the deal, we simplified it - using just a Notice of Assessment....
29/05/2026

23 directorships. 1 approval.
Instead of overcomplicating the deal, we simplified it - using just a Notice of Assessment.

Approval in 2 days.

Complex clients don’t need harder processes.
They need smarter ones.

27/05/2026

The biggest winners from the Budget serviceability changes? Probably not who the policy was meant to target.

High-income households are still buying. The investors feeling it most are the marginal buyers.

But the bigger shift is this: investors can’t rely on negative gearing to carry a mediocre property anymore.

From here, the asset has to cashflow. And it has to grow.

The investors who do well next will be the ones who understand their numbers before they buy.

22/05/2026

Budget changes could have a bigger impact on borrowing capacity than most investors realise.

One lender has already updated its calculator and the results were significant.

Same client. Same income. Same expenses.

Watch the video to see what changed, who’s most affected, and what it could mean for your next purchase.

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Suite 11
Sydney, NSW
2028

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Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5pm
Friday 9am - 5pm

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