Planway Finance and Home Loans

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Australia
Ingleburn, NSW
Planway Finance and Home Loans

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Home Loan Specialist for First Home Buyers, Registered Nurse, IT Professionals, Self Employed, SMSF.

11/10/2026

Happy Dashain and Tihar to all my Nepalese Diaspora in Australia

07/10/2026

🏡 Congratulations on Your Beautiful New Home! 🔑🎉

A very special congratulations to our wonderful returning clients on the successful settlement of their new upgraded family home! 🏠❤️

It has been a privilege to be part of your property journey over the years — assisting with your previous owner-occupied and investment property loans, and now helping you take another exciting step into your new home.

Thank you once again for continuing to place your trust in Planway Finance & Home Loans. Seeing you receive the keys and celebrate this milestone as a family is what makes our work so rewarding.

Wishing you and your family many years of happiness, beautiful memories and continued success in your new home. 🥂🔑🏡

Congratulations once again! 🎊

Planway Finance & Home Loans

01/09/2026

🏆 PLATINUM BROKER STATUS — THREE YEARS IN A ROW! 🏆

I’m incredibly grateful and humbled to share that I have achieved Platinum Broker status for the third consecutive year, adding another special milestone to my 7-year journey in mortgage broking. 🙏

But this achievement is not mine alone.

❤️ To my customers — THANK YOU!
Your trust, confidence and referrals have been the biggest part of this journey. Every first-home buyer, upgrader, investor and family who trusted me with one of their biggest financial decisions has motivated me to do better.

🤝 To my lender partners and BDMs — THANK YOU!
Your support, guidance and willingness to work through complex scenarios have made a real difference.

🏡 To my referral partners — THANK YOU!
Real estate agents, conveyancers, accountants, financial advisers, brokers and everyone who continues to refer and support my business — I truly appreciate your confidence in me.

And finally, thank you to my family, friends and everyone behind the scenes for your encouragement and support.

Seven years in broking has taught me that success isn’t just about the number of loans settled. It’s about the people, the relationships and the trust built along the way.

This Platinum recognition is a reminder of that trust — and it motivates me to keep learning, keep improving and keep putting my customers first. ❤️

Thank you for being part of my journey. The best is yet to come! 🚀🏡

12/05/2026

Budget Summary

The 2026-27 Australian Federal Budget, delivered tonight by Treasurer Jim Chalmers, is being framed as an ambitious plan focused on structural reform, cost-of-living relief, and housing market rebalancing.

Here are the key highlights and figures from the announcement:

1. Major Property & Tax Reforms

The government has introduced significant changes to property tax settings, aimed at helping first-home buyers and younger Australians:

• **Negative Gearing: Benefits will now be limited to newly built properties only. This is a major policy shift designed to incentivise new housing supply rather than competition for existing stock.

• Capital Gains Tax (CGT): The 50% CGT discount for property investors is being wound back for future transactions on established homes.

• Income Tax Cuts: The lowest marginal tax rate (for incomes between $18,201 and $45,000) will be cut from 16% to 15% starting July 1, 2026, and further to 14% in 2027.

2. Cost-of-Living Measures

• Energy & Fuel: A $2.55 billion package will cut the fuel excise for three months to buffer against global energy shocks.

• Tax Rebates: A new permanent $250 tax offset for working Australians has been introduced, alongside a $1,000 instant tax deduction for eligible workers.

• Medicare: The Medicare levy low-income threshold has been increased by 4.7%, exempting more low-income earners from the levy.

3. Housing & Infrastructure

• Housing Supply: An additional $2 billion has been allocated for "enabling infrastructure" (water, sewerage, etc.) to unlock an estimated 65,000 new homes over the next decade.

• Rent Assistance: Continued increases to the maximum rates of Commonwealth Rent Assistance to support the 2.9 million renting households.

4. National Security & Social Services

• Defence Spending: An extra $53 billion will be spent over the next decade, with a focus on drones and the AUKUS nuclear submarine project.

• NDIS Reform: The government is moving to cap the growth of the National Disability Insurance Scheme (NDIS) to 2% per year, down from over 10%. This is expected to remove approximately 160,000 people from the scheme to ensure its long-term sustainability.

• Counter-Terrorism: $74 million will be used to establish a new national centre to combat terrorism and online threats.

5. Small Business Support

• Instant Asset Write-off: The $20,000 instant asset write-off for small businesses has been made permanent, providing more certainty for equipment and tech upgrades.

12/02/2026

Behind every “Loan Approved” is a story…
A family upgrading.
A first home buyer stepping in.
An investor building wealth.

As a mortgage broker, my job isn’t just to find a loan — it’s to find the right strategy for YOU.

✔ Tailored loan options
✔ Unbiased advice
✔ Smart approval strategies
✔ Long-term property planning

In a market where rates shift, policies change, and banks tighten rules… you need someone who understands both the numbers and your journey.

If you’re thinking about buying, refinancing, or investing — let’s have a conversation.
Your property goals deserve a proper plan, not guesswork.

📩 Message me to book a consult.
Let’s make it happen. 💼🏠

05/02/2026

“Marketing fools you… if you let it.” 👀

Big ads. Flashy rates. Loud promises.
But when it comes to home loans, marketing doesn’t always tell the full story.

That “lowest rate” might come with:
❌ high fees
❌ short-term discounts
❌ strict conditions
❌ or nasty surprises later

👉 The real win is the right loan for YOU, not the best-looking ad.

This is where a broker adds value — cutting through the noise, comparing lenders beyond the marketing, and focusing on what actually works for your situation.

See through the marketing.
Choose strategy over slogans.

03/02/2026

Check your borrowing power in minutes!

Thinking about buying a home or refinancing your loan? Before you take the next step, it’s super helpful to know how much you can borrow — and the good news is, it only takes a few minutes.

👉 Check your borrowing capacity here:
https://app.middle.finance/ref/23255384-4303-4f3d-bee6-c988eb8c50a5

💡 Just:
✔️ Open the link
✔️ Fill in a few basic details
✔️ Get a clear idea of your borrowing limit

Whether you’re a first-home buyer, investor, or upgrading — this is the FIRST smart step in planning your property journey.

📩 Once you’ve done that, I’ll help you interpret your results and work out your best strategy.

28/01/2026

https://vt.tiktok.com/ZSauXEMXt/

📊 Inflation Update: What This Means for Interest Rates

Australia’s latest inflation data is out, and it’s a mixed bag 👇

• Monthly CPI: 1.0% (higher than expected)
• Annual CPI: 3.8% (still well above the RBA’s 2–3% target)
• Trimmed Mean CPI: 0.2% (slightly softer, but still sticky)

So what does this mean for interest rates?

👉 Inflation is cooling slowly, but not fast enough
👉 Core inflation (what the RBA really watches) is still too high
👉 This makes rate cuts unlikely in the short term

At this point, the most likely outcome is a rate HOLD, not a cut.
A hike isn’t guaranteed — but it’s definitely not off the table if inflation stays stubborn.

For borrowers and buyers, the message is simple:
📌 Rates may stay higher for longer
📌 Borrowing power remains under pressure
📌 Waiting for quick relief could mean waiting too long

This is why planning early matters more than timing the perfect rate cut.

💬 What do you think comes next?
• Rate hold?
• Another hike?
• Or cuts later than everyone expects?

If you want to understand how this impacts your borrowing capacity or buying plans, feel free to message me — happy to talk it through.

17/01/2026

🏠📈 Sydney homeowners hit with up to $22,000 extra per year in mortgage repayments

New data shows many Sydney borrowers are now paying around $22,000 more per year on their home loans compared to just a few years ago — largely due to interest rate rises and loan roll-offs from low fixed rates.

💡 What this means for homeowners:
• Household budgets are under pressure
• Loan structure matters more than ever
• Doing nothing could be costing you thousands

Now more than ever, it’s important to:
✔️ Review your current interest rate
✔️ Check if refinancing could reduce repayments
✔️ Consider strategies like split loans or different repayment options

📩 If you’re unsure whether your loan is still competitive, let’s review it — a simple check could make a big difference.

PLANWAY
📞 [0466865747]
📩[email protected]

15/01/2026

🚨 CBA just moved fixed rates – this matters 🚨

From 15 January 2026, CBA has increased fixed home loan rates:
• 1-year fixed: +0.45%
• 2-year fixed: +0.35%

Banks don’t adjust fixed rates randomly. Fixed rates are driven by where banks think money is heading over the next 1–3 years.
This move suggests one thing clearly 👉 banks are not pricing in meaningful rate cuts anytime soon.

Does that mean more hikes are guaranteed? Not necessarily.
But it does point to a “higher for longer” environment being taken seriously by lenders.

So what does this mean if you’re thinking about buying?

🏡 Higher rates = reduced borrowing power
🏡 Reduced borrowing power = fewer options
🏡 Fewer options = more buyers missing out when competition heats up

The buyers who tend to do best are the ones who prepare early:
✔ Know their true borrowing capacity
✔ Get pre-approved before rates move again
✔ Buy when others are still waiting for “certainty”

If you’re planning to buy in 2025 or 2026, waiting for perfect conditions can actually cost you more in the long run.

💬 I’m curious to hear your thoughts:
• Rate cuts coming soon?
• More hikes ahead?
• Or higher for longer?

If you want a clear, honest assessment of where you stand, no pressure, no sales talk, message me.
Getting positioned early is often the biggest advantage in this market.

Address

Ingleburn, NSW

Telephone

+61466865747

Website

http://www.planway.com.au/

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