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Sandcastle Finance

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Manly Vale, NSW
Sandcastle Finance

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We'll help you find the best finance solution to suit your individual lifestyle

Sandcastle Finance find financial solutions specifically to suit you and your individual life style.

19/10/2026

👟 We’re walking 8km this Thursday for a cause close to our hearts 💜

On Thursday 22 October, the Sandcastle Finance team will take on the STRYDE4 Corporate Challenge around Sydney Harbour, raising money for The DV Collective.

Every donation helps provide emergency safe beds for women and children escaping domestic violence, a safe place to sleep on the night they need it most.

We’ve set ourselves a goal of $5,000. If you can spare a few dollars, it would mean the world to us and to the families this will help.

💜 Donate here: https://the-dv-collective.grassrootz.com/stryde4-corporate-challenge-2026-sydney-the-dv-collective/sandcastle-finance

Thank you so much for your support, and please share this post to help us spread the word!

21/09/2026

Turning Tosses into Triumphs 🏆⛳

For the second year running, Sandcastle Finance was proud to be a Gold Sponsor of the Northern Beaches Women's Shelter Charity Golf Day. Our team, Shelley, Leni, Belinda and Georgie, ran our "Turning Tosses into Triumphs" corn hole activation out on the course, and had the best day meeting so many wonderful people.

Together, the day raised over $60,000 to support women and children on the Northern Beaches doing it tough, an incredible result.

Thank you to the whole team at Northern Beaches Women's Shelter for having us back again, and for the vital work you do in our community every day. Already looking forward to 2027.

📸 Amanda Naylor Photography

17/09/2026

🎉 Big news! Sally has been named a Finalist for Mortgage Broker of the Year at the 2026 Women in Finance Awards!

This award recognises the women leading Australia's finance industry, shaping transformation, driving innovation and delivering outstanding outcomes for their clients across banking, lending and financial services.

For nearly 20 years, Sally has helped clients navigate everything from first home purchases to complex self-employed and SMSF lending, always leading with education, empathy and genuine care for the people she works with. This nomination reflects that commitment, and the incredible team at Sandcastle Finance who help bring it to life every day.

Finalists will be announced at the Awards Evening on 13 November 2026. Wish Sally luck! 🍀

08/09/2026

Today only: every donation to LocalKind is tripled. Sandcastle Finance is proud to be a Gold Sponsor, jump in and make it count.

04/08/2026

Auction clearance rates have fallen below 50 per cent in several markets, with rising stock levels steadily shifting the balance of power toward buyers.

Translated simply: fewer properties are selling under the pressure of a packed auction room, and more are sitting on the market a little longer. For a prepared buyer, that's room to negotiate rather than compete.

It doesn't mean every property is a bargain. It means the conditions favour patience and preparation over rushing in.

If you're weighing up whether now's the time to make a move, let's talk through it.

30/07/2026

Being ready means knowing your real borrowing capacity, not a rough guess.

It means getting your ownership structure right before you buy. And it means having a proper pre-approval in place, so you can act with confidence when the right place appears.

There's a big difference between an indicative online tick and a fully assessed pre-approval.

We can usually turn a fully assessed one around in one to two business days.

If your income doesn't fit the neat PAYG box, that's completely fine. A lot of the people I work with are self-employed or earn from more than one source.

Read the full guide on lifting your borrowing capacity in this market, in 2026. link in bio.

28/07/2026

When prices are rising and everyone's confident, you're competing with a crowd, paying top dollar, often deciding in a rush.

When the market softens, that flips. Less competition. More room to negotiate. Quality properties that owners wouldn't normally part with start coming within reach.

That doesn't mean rush out and buy tomorrow. For some people the right move genuinely is to wait, and I'll always tell you honestly if that's you.

The advantage goes to whoever is ready to move when the right opportunity turns up.

Are you a wait-and-see, or a get-ready? Comment below.⬇️

23/07/2026

We're not building enough homes. Australia needs around 240,000 new homes a year. We're building closer to 175,000. When demand keeps outrunning supply like that, it's very hard for prices to fall in a sustained way.

People still need somewhere to live. The population is still growing, and the rental market is about as tight as it has ever been, with vacancies near record lows and rents still climbing. That demand does not vanish when sentiment dips.

The whole system is built to avoid a crash. More than half of Australian household wealth sits in property, worth around $12.6 trillion, against about $2.6 trillion in mortgage debt. That's a loan-to-value ratio of roughly twenty per cent across the whole market. We're simply not as geared as the "everyone is drowning" story implies.

If you're waiting on the perfect conditions before you move, you may be too late when it does. Opportunities go to those who are ready to take advantage.

So let's get you ready...
📞 0483 938 242
See link in bio to book your wealth plan session.

21/07/2026

"If you're looking for a mortgage broker on the Northern Beaches who genuinely fights for their clients, Sally and Sandcastle Finance are it. Couldn't recommend them more highly."

This is exactly why we do what we do. Thank you for trusting us with your finance, Sarah, and for taking the time to share it.

Thinking about your next move? We'd love to help.

20/07/2026

The market is falling, but in an orderly way, not a disorderly one. Values slipped over the June quarter, with the sharpest falls in Sydney and Melbourne, while some regional areas are still holding up.

Auctions are clearing at lower rates, homes are sitting a little longer, sellers are discounting more. All of this quietly shifts power toward buyers.

The Reserve Bank has paused after a run of rate rises, and most major banks now expect the next move to be down. Nobody can promise exactly when.

Could prices fall further? Yes.
A genuine crash, the kind that wipes a third off everyone's value, looks unlikely.

We're not building enough homes, demand isn't going anywhere, and the whole system, banks, government and Reserve Bank, has a shared interest in keeping it that way.

Questions about what this means for you specifically? Drop them below. ⬇️

Address

319 Condamine Street
Manly Vale, NSW
2093

Opening Hours

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

Telephone

+611300419554

Website

http://www.sandcastlefinance.com.au/

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