Sandcastle Finance

Sandcastle Finance 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.

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

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

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

Being ready means knowing your real borrowing capacity, not a rough guess.It means getting your ownership structure righ...
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.

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

We're not building enough homes. Australia needs around 240,000 new homes a year. We're building closer to 175,000. When...
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.

"If you're looking for a mortgage broker on the Northern Beaches who genuinely fights for their clients, Sally and Sandc...
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.

The market is falling, but in an orderly way, not a disorderly one. Values slipped over the June quarter, with the sharp...
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. ⬇️

When COVID hit in 2020, forecasts were for prices to fall twenty or thirty per cent. Instead we got one of the strongest...
16/07/2026

When COVID hit in 2020, forecasts were for prices to fall twenty or thirty per cent. Instead we got one of the strongest booms in a generation.

When lending rules tightened in 2017, borrowing got harder and growth stalled. Then the rules eased and the market found its feet again.

Negative gearing was abolished in 1985 and reinstated within two years. New Zealand scrapped it in 2021 and reversed the decision by 2023.

Property moves in cycles. The loudest predictions usually miss. The people who stay calm and read the fundamentals tend to fare better than the people who react to fear.

Save this one for the next time a headline tries to scare you. 📍

14/07/2026

Prices are softening. Not just in Sydney and Melbourne, but across most of the country now.

If you've been feeling a little uneasy watching the headlines lately, you're reading them correctly. But here's what those headlines tend to leave out.

A softer market is not automatically bad news. For someone who is prepared, it can be one of the better windows you'll get.

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.

Not sure if now's your moment to wait or move? Send me a message.

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

Alerts

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

Contact The Business

Send a message to Sandcastle Finance:

Shortcuts

Share

Category