Riz Finance

Riz Finance Our vision is to make finance simple
https://calendly.com/rizfinance-asad/meeting

05/06/2026

If a unit looks cheap, there's usually a reason — and nine times out of ten it's the strata levies.

I've had multiple clients recently fall for the same thing. Low purchase price, high ongoing costs. The numbers only make sense once you dig a little deeper.

Always check the strata before you get excited about the price. 👇

Save this one if you're currently searching for a unit. 🙌



General information only – not financial or tax advice.

04/06/2026

Biggest deposit = best move? Not always.

I borrowed more on my 2023 purchase to keep cash in my pocket — and I'd make the same call again every time.

Stay liquid. It matters more than people think. 💰



General information only – not financial or tax advice.

03/06/2026

Not all negative gearing strategies look the same.

If you've got a positively geared portfolio, buying established could be the smarter move — offset the losses and reduce your tax bill across the board.
Talk to your accountant. 🙌



General information only – not financial or tax advice.

Here’s a snapshot of what we helped finance in May 🏡From up-sizers needing more space, to investors growing their portfo...
03/06/2026

Here’s a snapshot of what we helped finance in May 🏡

From up-sizers needing more space, to investors growing their portfolios, and clients securing land for future builds, it was another busy month for the Riz Finance team.

Behind every approval is a different goal, strategy, lender choice, and long-term plan.

The recent Federal Budget includes changes that may affect homeowners, first-home buyers, investors, and future borrowers. If you’re unsure what it means for you, we’re here to help 📈

Use the link in our bio to book in 👋

02/06/2026

Thinking about buying property inside your SMSF? There are a few rules that catch people off guard every single time.

14 years in banking and finance taught me these the hard way — so you don't have to.

Drop a ✅ in the comments if you knew all 5.



General information only – not financial or tax advice.

Perth up 91% in 5 years. Melbourne up just 3.3%. Same country. Same time period. 🤯⁠⁠Australia's housing market is more d...
02/06/2026

Perth up 91% in 5 years. Melbourne up just 3.3%. Same country. Same time period. 🤯⁠
⁠
Australia's housing market is more divided than ever — and the latest Cotality data shows momentum is starting to shift. Headwinds are building. Are we at a turning point?⁠
⁠
For years, the story was simple: property goes up. Maybe not everywhere, maybe not at the same pace — but the direction was clear.⁠
⁠
That story is getting complicated.⁠
⁠
Sydney and Melbourne are sliding off their peaks. Auction clearance rates are hovering around 50%. Listings are piling up and buyers — for once — have options. Affordability is still stretched, rates are still high, and consumer confidence is still in the basement.⁠
⁠
But zoom out and the picture gets messier. Perth has nearly doubled in five years. Darwin is surging. Regional Australia is quietly grinding higher. Rents are still rising nationally, with vacancy rates back at record lows. ⁠
⁠
Two Australia's. One tightening. One turning.⁠
⁠
And if you're a first home buyer? This might be your moment. 🏠⁠
⁠
More listings. Less competition. Vendors negotiating. Clearance rates softening. The frenzied, blink-and-you'll-miss-it market of recent years has cooled — and the buyers who kept getting outbid, overlooked and outpriced are finally getting a seat at the table.⁠
⁠
The market isn't waiting for confidence to return. The window is open now.⁠
Are you a first home buyer watching this market? Drop a 🙋 below — we'd love to help you make sense of it all.⁠
⁠

29/05/2026

Applying for the Home Guarantee Scheme? Here's what banks actually want to see 👇

Most lenders require genuine savings — and a lump sum that appeared last week won't cut it.

Here's what counts:

✅ Savings built up in a bank account over 3+ months
✅ Term deposits held for 3+ months
✅ Shares or managed funds held for 3+ months
✅ Consistent rental history as supporting evidence

The 3 months starts from today — not from when you find a property. Start your savings paper trail now. Save this and send it to a first home buyer who needs to see it. 🏠

28/05/2026

Every cost you'll pay when buying your first home in Sydney 🏠 — including the two you can get to $0.

✅ Stamp duty — $0 if you buy under $800k
✅ Conveyancing — $2,000–$2,500
✅ Building & pest — $600 (never skip this)
✅ LMI — $0 if you qualify for the Home Guarantee Scheme
✅ Bank fees — $500

Most first home buyers overpay because they don't know their entitlements. Save this so you don't. 👇

27/05/2026

Nobody told my client it would cost $1.6 million. 😳

He budgeted for land and a build. What he didn't budget for? The $90k upgrade blowout. The $164k in externals.

The costs that only show up after you've already committed.

This is why I always tell people — the price on the brochure is just the starting point.

26/05/2026

Everyone talks about the flights and cocktails… no one talks about the mortgage still waiting for you back home 💸☀️🏡

So how much does a Euro summer really cost when you’re paying off a home loan?

General information only – not financial or tax advice.

Address

206/4 Columbia Court, Norwest
Kellyville, NSW
2153

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+611300874540

Website

Alerts

Be the first to know and let us send you an email when Riz Finance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category