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Tanz Finance 🏦
• Property & Asset Finance
• Property Development
• Financial Education
• Business Planning

Everyone Wants the Interest Rate to Come Down. But What If It Doesn't? 📈I’ve had plenty of conversations with clients la...
08/10/2026

Everyone Wants the Interest Rate to Come Down. But What If It Doesn't? 📈

I’ve had plenty of conversations with clients lately that start with:

“Should I wait for rates to come back down?”

It’s a fair question.

But there’s a problem with building your property plans around something none of us can control.

The RBA increased the cash rate to 4.60% in September 2026, after three increases earlier in the year. Inflation is still proving stubborn.

So where does that leave borrowers?

For me, it comes back to something pretty simple:

Don’t build a strategy that only works if rates fall.

Build one that works at today's rates.

If rates eventually come down, great.

That becomes upside.

But your decision shouldn't depend on it happening.

This is particularly important when you're looking at a large mortgage.

Ask yourself:

→ Can I comfortably manage the repayments today?

→ Do I still have a buffer?

→ What happens if my circumstances change?

→ Am I buying because the numbers work, or because I'm hoping rates will improve?

Nobody knows exactly where rates will be in 12 months.

But you do know your own numbers.

And that's where I think the focus should be.

Make decisions based on what you can control, rather than trying to perfectly predict what the RBA will do next.

That’s not as exciting as trying to pick the next rate move.

But it's usually a much better financial strategy.

📸 - Just me talking absolute nonsense in Melbourne TV. Jokes aside, was an awesome event and was proud to sponsor them.

05/10/2026

Big savings goals feel way less intimidating when you break them down into weekly numbers.

$10k in a year sounds massive.
$193 a week? Suddenly it feels a bit more doable.

Pick the number you’re working towards, automate it, and treat that transfer like a bill you have to pay.

You don’t need some crazy strategy, you just need consistency.

[Tanz Finance, Saving Money, Money Goals, Budgeting, Financial Tips, Personal Finance, First Home Buyer, Home Deposit, Mortgage Broker, Money Management, Melbourne Mortgage Broker]

05/10/2026

It’s easy to feel like you’re behind financially when you’re constantly comparing yourself to everyone else.

But you might actually be doing better than you think.
Savings, income, debt and property ownership all look different for everyone, and not owning a home yet doesn’t mean you’ve missed your chance.

The important part is knowing where you’re at now and what you need to do next.

If getting your first property is the goal, reach out and I’ll help you work out what’s actually possible.

[Tanz Finance, First Home Buyer, Mortgage Broker, Home Loans, Buying Property, Borrowing Power, Savings, Personal Finance, Property Finance, Financial Goals, Melbourne Mortgage Broker]

Your Income Is Worth More Than Your Payslip 💼Two people can earn the same salary and have completely different borrowing...
03/10/2026

Your Income Is Worth More Than Your Payslip 💼

Two people can earn the same salary and have completely different borrowing positions.

Why?

Because lenders don't simply look at the number on your payslip.

They look at the bigger picture.

Your income is only one part of how a lender assesses your ability to repay a loan.

Things such as:

→ Existing debts
→ Credit card limits
→ Living expenses
→ Dependants
→ Bonuses and commissions
→ Self employed income
→ Investment income
→ Other financial commitments

can all influence the outcome.

This is why I often tell clients:

Don't assume your borrowing capacity based on your salary alone.

I've seen people earning strong incomes who are surprised by how much they can borrow.

I've also seen people on seemingly similar incomes have very different outcomes because their overall financial positions are different.

This is where understanding lender policy becomes important.

Different lenders can treat the same income very differently.

Some may have a stronger policy for certain professions.

Others may be more flexible with variable income.

Some may assess self employed income differently.

The number on your payslip is only the starting point.

The real question is how a lender interprets your entire financial position.

And that is why getting the right advice before you start searching for property can save a lot of time, frustration and potentially money.

Before asking:

“What property can I afford?”

Understand:

“How will a lender assess me?”

That is where the real borrowing conversation begins.

📸 - Banff is frikin beautiful. I saw deer, bears and not moose.

Sometimes the Best Financial Decision Is Doing Nothing ⏳This might be one of the hardest things for a finance profession...
01/10/2026

Sometimes the Best Financial Decision Is Doing Nothing ⏳

This might be one of the hardest things for a finance professional to tell a client.

Don't refinance.

Don't buy yet.

Don't take the extra equity.

Wait.

We're in an industry where there can be a tendency to focus on the next transaction.

But sometimes the smartest strategy is patience.

I've worked with clients who wanted to move quickly because they were worried about missing an opportunity.

My job isn't simply to help someone borrow money.

It's to help them understand whether borrowing money right now actually makes sense.

There are times when waiting can be the better decision.

For example:

→ Your income is about to change
→ You're about to complete another purchase
→ Your borrowing capacity needs time to improve
→ You're paying down short term debt
→ Your circumstances are about to change significantly

Timing matters.

And a decision that looks attractive today may not be the best decision when you look at the next 2 to 3 years.

**Good finance advice isn't always about doing more.**

Sometimes it's about protecting your position until the right opportunity comes along.

After more than 13 years in finance, I've learned that patience can be just as valuable as action.

The goal isn't to do more deals.

The goal is to make better decisions.

Would you rather act now, or wait if waiting could put you in a stronger position?

📸 - Nice to bump into a familiar face at my new gym!

What does the rate rise mean for you?🏦
29/09/2026

What does the rate rise mean for you?🏦

29/09/2026

Everyone’s waiting for the “perfect” time to buy… but that’s usually when everyone else is waiting too.

If you’re financially ready, a quieter market can mean less competition and more room to negotiate. The key isn’t trying to perfectly predict where prices go next, it’s knowing your numbers and buying when it actually makes sense for you.
Don’t wait just because everyone else is waiting.

If you’re thinking about buying and want to know what you can comfortably afford, reach out and we’ll run through it properly.

[Tanz Finance, First Home Buyer, Mortgage Broker, Home Loans, Property Market, Buying Property, Borrowing Power, Property Finance, Home Buyers, Melbourne Mortgage Broker]

The Biggest Mistake Property Investors Make 📈**They focus on the property before the finance strategy.**It sounds backwa...
29/09/2026

The Biggest Mistake Property Investors Make 📈

**They focus on the property before the finance strategy.**

It sounds backwards.

But I see it regularly.

An investor finds a property they love, works out the price, then asks:

**“Can I get the loan?”**

I think the conversation should happen the other way around.

Before looking at the next property, understand:

→ Your current borrowing capacity
→ Your existing debt position
→ Your available equity
→ Your cash flow
→ Your future plans
→ How the next purchase could affect the one after it

Because buying one investment property isn't necessarily the hard part.

**Building a sustainable strategy around multiple properties is.**

A property might look like a great investment on paper, but if the finance structure limits your next move, you need to understand that before you buy.

I've seen clients become so focused on finding the "perfect" property that they overlook the bigger financial picture.

And sometimes, the best property isn't the one with the highest potential return.

It is the one that fits your overall strategy.

That's where good finance planning can make a difference.

**Don't just ask, “Can I buy this property?”**

Ask:

**“What does buying this property allow me to do next?”**

That question can completely change the way you approach property investment.

What matters more to you when investing: the individual property or the bigger portfolio strategy?

📸 - I live in from of Albert Park Lake. The past few weeks I have been blessed with seeing ducklings and cygnets! Yes baby swans are called cygnets not swan-lings - wild!

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Melbourne, VIC

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