Finance Industries Australia

Finance Industries Australia Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Finance Industries Australia, Mortgage brokers, 4/2 Waterfront Place, Gold Coast.

At FIA, our goal is to assist hard-working people achieve their dreams by developing personalised finance options that help pay off debt sooner, secure a comfortable lifestyle and build wealth to retire debt free! At Finance Industries Australia, we aim to provide you with a one-stop shop for all your financial needs, our goal is to help hard working people acquire their dreams!

Thinking about a kitchen upgrade, bathroom refresh, or adding that extra room?If your property has grown in value since ...
05/09/2026

Thinking about a kitchen upgrade, bathroom refresh, or adding that extra room?

If your property has grown in value since you bought it, you might be able to tap into that equity to fund your renovation project.

How it works. Equity is the difference between what your home is worth and what you still owe on it. Some lenders allow you to access a portion of this equity through refinancing or a line of credit facility.

A few things worth considering before you start knocking down walls.

→ Your borrowing capacity depends on your income, expenses, existing debts, and the current loan-to-value ratio
→ Accessing equity means increasing your loan amount, which affects your repayments and total interest paid
→ Lender fees and break costs may apply, especially if you're refinancing
→ A valuation will determine how much equity you actually have access to

Every situation is different. Chat with a mortgage broker about whether this approach suits your circumstances and goals.

Juggling multiple debts with different repayment dates and interest rates can feel overwhelming. Refinancing might let y...
04/09/2026

Juggling multiple debts with different repayment dates and interest rates can feel overwhelming. Refinancing might let you roll several debts into one home loan, potentially giving you a single repayment to manage.

But it's not automatically the right move for everyone. Rolling short-term debts into a long-term mortgage could mean paying more interest over time, even if your monthly payments drop.

Factors worth exploring with a broker include your current loan terms, any break costs, the total interest you'd pay over the life of the loan, and whether the new structure actually suits your financial situation.

Every situation is different. Chat with a licensed mortgage broker to understand what refinancing could look like for you.

Not sure where you stand with your home loan? A broker can help you see your options clearly.Whether you're buying your ...
04/09/2026

Not sure where you stand with your home loan? A broker can help you see your options clearly.

Whether you're buying your first place, looking to refinance, or just want to understand what's out there, a conversation costs nothing but could save you plenty.

Brokers compare loans from multiple lenders, explain the fine print, and help you find what suits your situation.

Ready to have that chat? We're here when you are.

Your home loan rate from a few years ago might not be the best deal today. Mortgage rates shift, and what worked when yo...
03/09/2026

Your home loan rate from a few years ago might not be the best deal today. Mortgage rates shift, and what worked when you signed up could look different now.

A quick rate review costs nothing and takes minutes. Even a small rate difference adds up over the life of your loan.

Want to know where you stand? Chat with our team about your current loan and see what options might suit your situation.

Thinking about refinancing? The answer depends on your numbers, not market predictions.Rates move up, down, and sideways...
03/09/2026

Thinking about refinancing? The answer depends on your numbers, not market predictions.

Rates move up, down, and sideways. Waiting for a "better" time often backfires because your circumstances can change. Income shifts, credit changes, or equity fluctuations could affect your eligibility later.

The smart approach is calculating your break-even point. How long until your savings outweigh the costs? If you're staying in your home past that point, refinancing may work in your favour.

Speak with a mortgage broker to review your specific situation and run the numbers that matter to you.

Thinking about buying an investment property?Australia's property markets are moving at different speeds. Brisbane price...
31/08/2026

Thinking about buying an investment property?

Australia's property markets are moving at different speeds. Brisbane prices are up nearly 14% over the past year, while Sydney and Melbourne have pulled back. Rental vacancy remains tight in several capitals, with Adelaide sitting at just 0.6%.

But headline figures only tell part of the story.

Before you commit, you need clarity on your borrowing capacity, how rental income stacks up against your holding costs, and what the recent policy changes around negative gearing mean for your situation.

Every investor's circumstances are different. What works for one person may not suit another.

Want to understand your options? Chat with our team about structuring your finance for the long term.

Selling through social media is no longer just for early adopters – it's becoming a mainstream sales channel for Austral...
13/08/2026

Selling through social media is no longer just for early adopters – it's becoming a mainstream sales channel for Australian businesses.

According to PayPal's 2026 eCommerce Index, 67% of Australian businesses now sell through social media platforms.

For businesses already using social selling, these channels account for 14% of total online sales, while social media contributes 11% of all online sales nationally.

Consumer behaviour is changing too.

PayPal found 28% of Australians made a purchase or payment through a social media or streaming platform in the past six months.

Growth often needs investment

As businesses expand into new sales channels, they may also need to invest in:
Inventory.
Technology and software.
Marketing.
Equipment.
Additional working capital.
Making those investments at the right time can help businesses capture new opportunities without placing unnecessary strain on cash flow.

As more businesses embrace social selling, having the capacity to invest at the right time can become a competitive advantage.

I can help compare finance options that support business growth while protecting cash flow.

Businesses making incorrect tax claims can expect greater scrutiny, with the Australian Taxation Office stepping up its ...
11/08/2026

Businesses making incorrect tax claims can expect greater scrutiny, with the Australian Taxation Office stepping up its compliance activity.

The ATO’s message is straightforward: businesses that do the right thing should not be disadvantaged by those that don't.

Common mistakes attracting attention

The ATO says it is seeing businesses:
Claim private expenses as business costs.
Over-claim deductions or GST credits.
Claim GST credits where GST wasn't included in the purchase price.
Lodge BAS or tax returns with incorrect claims.
Keep inadequate records.
The ATO is using sophisticated data and analytics to identify incorrect claims, with businesses that fail to comply potentially facing audits, amended assessments and penalties.

Prevention is easier than correction

Before lodging, it's worth checking that every claim relates directly to earning business income, that any private use has been excluded and that appropriate records are available.

Good record-keeping doesn't just help meet tax obligations – it can also make finance applications smoother by providing lenders with clearer financial information.

Keeping financial records up to date can pay dividends beyond tax time. I can also explain what lenders typically look for when assessing business finance applications.

The federal government has banned self-managed super funds (SMSFs) from using borrowed funds to buy residential investme...
07/08/2026

The federal government has banned self-managed super funds (SMSFs) from using borrowed funds to buy residential investment properties.

However, SMSFs can still borrow to purchase commercial property, including business premises in some circumstances.

For business owners, that means buying a workplace through an SMSF remains an option worth understanding.

Looking at both sides

Potential advantages can include:
Owning premises within the super environment.
Paying rent to the SMSF rather than an external landlord.
Building a long-term retirement asset while providing premises for the business.
However, there are also important considerations.

Commercial property purchased through an SMSF must comply with superannuation rules, borrowing structures can be more complex and the arrangement may not suit every business.

Because the property is held inside super, decisions should be made with a clear understanding of the long-term implications.

Where finance fits in

Commercial property finance often differs significantly from residential lending, particularly where an SMSF is involved.

Anyone considering purchasing business premises through an SMSF should first understand the available lending structures – and whether they suit both the business and long-term retirement goals.

Thinking about buying commercial premises? I can help compare finance options and explain how different lending structures work.

Aussie, Aussie, Aussie!!! They came close several times, but held on strong. On to next round!
26/06/2026

Aussie, Aussie, Aussie!!! They came close several times, but held on strong. On to next round!

Address

4/2 Waterfront Place
Gold Coast, QLD
4226

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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