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Rely Finance Perth

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Australia
Joondalup, WA
Rely Finance Perth

Professional Mortgage Broker with access to 30 plus lenders. You can trust & rely on me to help you.

27/06/2026

— Our 2026 Financial Year Recap! EOFY Sign-Off 🎉🏡

And just like that… we’re signing off another financial year. 👋✨

The 2026 financial year has been a big one in property and finance, and honestly, “big” feels polite. 😅

Over the last 12 months we’ve seen plenty of movement across the market, including:
📈 Interest rate changes
🏦 Shifting lender policies
📢 A new Federal Budget
🏡 Changes impacting investors and borrowers
💰 Ongoing cost-of-living pressure
📄 More complex lending decisions

But through all of that change, one thing has stayed the same — our commitment to helping our clients make clear, confident decisions.

This year we’ve helped clients:
✅ Buy their first home
✅ Upgrade into their next property
✅ Purchase investment properties
✅ Refinance to better rates
✅ Review their loans and lending structure
✅ Plan ahead for their next move

And we are so grateful to every client who trusted us to guide them through such an important part of their lives. 💛

As we head into the new financial year, our focus remains the same: helping you understand your options, navigate the changes, and make smart decisions with your home loan and property goals.

Here’s to a fresh financial year, new opportunities, and many more property dreams ahead. 🏡✨

📲 Thinking about buying, refinancing or reviewing your loan in the new financial year? Let’s chat.

www.relyfinance.com.au 👉 Rely Finance
👉 Call Nicole: 0422 309 715

26/06/2026

— Buying new vs established? It may now matter more. 🏗️🏡

If you’re buying an investment property, the type of property you choose may now have a bigger impact on your loan approval.

Following the recent Budget announcement, some lenders are already adjusting how they assess negative gearing.

The biggest difference appears to be between:
🏡 Established investment properties
🏗️ Eligible new builds
🔄 Refinances of existing investment debt

Some lenders may still allow negative gearing benefits for eligible new builds, while established properties may be treated differently depending on contract dates and lender policy.

This could make a real difference to your borrowing capacity. 💰

Before you fall in love with a property, it’s worth checking whether your finance strategy still stacks up. Because no one wants to find out after signing the contract. 😬

📲 Thinking of buying an investment property? Let’s run the numbers before you start making offers.

www.relyfinance.com.au 👉 Rely Finance
👉 Call Nicole: 0422 309 715

25/06/2026

🏡 We don’t just finance cookie-cutter homes! 🎉

Looking at something a little outside the box? We’ve got lender options for:
🌳 Rural acreage
🚜 Working farms
🍇 Vineyards
🏢 Commercial buildings
🏭 Industrial factories
🏘️ Community-title apartments
🎿 Ski lodges on Crown land
🎓 Student accommodation
🏠 Display homes
🏡 Tiny homes
🏖️ Over 55 retirement lifestyle homes.. and so much more! 🚀

The thing is — these types of properties often come with unique lending rules and restrictions.

💬 Before you dive in, let’s chat so you know exactly what’s required and which lenders will say YES ✅

Whatever you’re dreaming of buying — we’ll give you the lowdown.

www.relyfinance.com.au 👉 Rely Finance
📞 Call Nicole: 0422 309 715

24/06/2026

🚨 Is the ATO knocking on your door?

We know the stress and anxiety that tax debt can cause for small business owners. You’re not alone — and you do have options.

We can help you:
✅ Restructure your loan
✅ Consolidate tax debt
✅ Free up cash flow
✅ Give your business the breathing space it needs to thrive again.

💬 Don’t sit in silence — early advice can make a BIG difference. If this sounds like your situation, reach out today. Supportive. Confidential. Solutions-focused.

www.relyfinance.com.au 👉 Rely Finance

23/06/2026

💡 How far in advance should you apply for a pre-approval?

At least 3 months ahead! Why? Because it’s not just about getting a letter from the bank — it’s about:
✅ Knowing your numbers (borrowing capacity 💰)
✅ Understanding how much deposit you need to save
✅ Knowing your max purchase price
✅ Understanding your future monthly repayments

👉 A typical pre-approval lasts 3 months — giving you time to find the RIGHT property and negotiate with confidence.

Step one? Book a FREE discovery call so we can position you for success:

🗓️ Book here 👉 Click here to book a meeting with me

Start your journey NOW — the earlier we plan, the smoother your path to purchase! 🚀

22/06/2026

🏡🐾 Let’s find a backyard that’ll make your dog smile!

Because house hunting isn’t just about you… it’s about those happy zoomies too! 🐕💨

Whether your dream home has:
🌳 A big grassy yard
🏖️ A beach nearby
🦴 Room for a bone collection
🚪 Dog-friendly doors

… we’re here to help you finance the perfect place — for ALL members of the family. 🐶💛

www.relyfinance.com.au 👉 Rely Finance

19/06/2026

💍🏡 Marry the home, date the rate… and divorce the lease!

👉 The perfect reminder for buyers:
✅ Marry the home you LOVE and can see yourself in long-term
✅ Date the rate — interest rates can change over time and you can always refinance later
✅ Divorce the lease — stop paying rent and start building YOUR future!

Key takeaway: You don’t have to wait for “perfect rates” to buy the right property — but you DO need a strategy that matches your goals.

💬 If you’re ready to break up with your landlord and commit to your own home, let’s chat. 💌

www.relyfinance.com.au 👉 Rely Finance

18/06/2026

💼✨ Got a side hustle? Want it to help boost your borrowing power?

Here’s what you need to know:
1️⃣ Set up an ABN + run your income through a bank account
❌ Banks won’t count cash-in-hand or “under the mattress” income — it must be traceable.
2️⃣ Report your income in your tax return
✅ Most lenders want to see at least 18 months to 2 years of income reported to the ATO.
✅ The more consistent your income, the stronger your application.
3️⃣ Make sure your side hustle is profitable

👉 If your expenses are higher than your income, it could actually work AGAINST your borrowing capacity.

👉 Banks assess taxable income (income minus expenses), not gross revenue.
In short: structured, declared income = stronger borrowing position.

If you’re planning to grow your side hustle and use it to support future borrowing — chat with us. We help business owners of all shapes and sizes. 🚀

www.relyfinance.com.au 👉 Rely Finance

17/06/2026

👩‍💻👨‍💼 Self-Employed? Here’s something you need to know about borrowing:
Banks assess your income based on your TAXABLE income — NOT your gross revenue.

👉 Your accountant’s job is to help you LEGALLY minimise your taxable income through business deductions — which is great for tax time… BUT be careful:
The higher your expenses → the lower your taxable income → the lower your borrowing capacity.

If you’re thinking about borrowing in the next 12 months:
✅ Chat with your accountant & your broker NOW
✅ Plan ahead to ensure your business financials align with your borrowing goals
✅ Avoid surprises when it’s time to apply!

Being proactive today can help you borrow smarter tomorrow. 💡

www.relyfinance.com.au 👉 Rely Finance

16/06/2026

✨ "Today is your opportunity to build the tomorrow you want."

Whether it’s buying your first home, upgrading, investing, or simply improving your financial knowledge — small steps today create big changes tomorrow. 🌱

Your future self will thank you for starting now. 🚀

www.relyfinance.com.au 👉 Rely Finance

Address

162 Grand Boulevard
Joondalup, WA
6028

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	8:30am - 5:30pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+61422309715

Website

http://www.relyfinance.com.au/

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