Tanz Finance

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

27/08/2026

An extra few percent towards your mortgage might not feel like much, but over time it can make a serious difference.

If your budget allows it, gradually increasing your repayments can help reduce your loan balance faster, cut down the interest you pay and potentially shave years off your mortgage.

It doesn’t have to be 5%. The habit matters more than the number.

[Tanz Finance, Mortgage Broker, Home Loans, Mortgage Repayments, Pay Off Mortgage Faster, Property Finance, Refinancing, Homeowners, Money Tips, Financial Tips, Melbourne Mortgage Broker]

The question I wish more buyers asked💻Most buyers ask me:“How much can I borrow?”I'd actually prefer them to ask:“How mu...
27/08/2026

The question I wish more buyers asked💻

Most buyers ask me:

“How much can I borrow?”

I'd actually prefer them to ask:

“How much should I borrow?”

They're two completely different questions.

Your borrowing capacity tells you what a lender may be willing to lend.

It doesn't tell you what you should spend.

Your decision should also consider your lifestyle, cash flow, future plans, emergency savings, other investments and how comfortable you are with your repayments.

Just because you can borrow $1m doesn't mean borrowing $1m is the right decision for you.

Sometimes buying a slightly cheaper property and keeping more breathing room financially is the better move.

Maximum borrowing capacity isn't the same thing as maximum financial comfort.

And that's a conversation worth having before you start looking at properties, not after you've fallen in love with one.

📸 - We were travelling around Canada and sometimes driving 8 hours a day. If you're a business owner you will understand this picture. Any "free moment" is a chance to get "just a little" bit of work done!

26/08/2026

If you’ve got a home loan, keeping a large amount of cash in a savings account might not always be the smartest move.

In this example, $100K in savings earning 5% leaves a high-income earner with around $2,650 after tax.

That same $100K sitting in an offset against a 6.19% home loan could save around $6,190 in interest.

That’s a $3,540 difference.

Sometimes it’s not about earning more interest, it’s about reducing the interest you’re already paying.

Want to know more? Reach out to me Tanz Finance | Mortgage Broker today

Tanz Finance, Offset Account, Home Loans, Mortgage Broker, Saving Money, Personal Finance, Property Finance, Refinancing, High Income Earners, Money Management

Your biggest asset can also be your biggest opportunity💰For many Australians, the family home is their biggest asset.But...
25/08/2026

Your biggest asset can also be your biggest opportunity💰

For many Australians, the family home is their biggest asset.

But I think a lot of people only think about their property as somewhere they live.

Over time, as the property increases in value and your mortgage reduces, you may build significant equity.

That equity can potentially give you options.

🏠 Upgrade your home
📉 Reduce other debts
💰 Invest
🏘️ Purchase an investment property
🚀 Fund other opportunities

That doesn't mean you should borrow against your home.

And equity isn't free money. Any borrowing still needs to be affordable and appropriate for your circumstances.

But it's worth understanding what your position gives you the ability to do.

Your equity isn't just a number on your statement.

Used carefully, it can become an important part of your broader financial strategy.

📸 - Fun fact, Canada has more lakes that the rest of the lakes in the world combined! Image for context is my just being an absolute menace at one of these Canadian beauties!

24/08/2026

Financial literacy isn’t taught nearly enough, but a few simple habits can make a massive difference.

1. Actually go through your bank transactions
2. Set yourself a weekly or fortnightly spending limit
3. Pay yourself first by automatically transferring money into savings

Small changes, but they can completely change the way you manage your money.

And remember… you don’t want to budget like the government 😂

[Tanz Finance, Financial Literacy, Money Management, Saving Money, Budgeting, Personal Finance, Mortgage Broker, Home Loans, Borrowing Power, Property Finance, Melbourne Mortgage Broker]

21/08/2026

Buying your next property can feel like there are 100 things to think about.

The good news? You don’t have to figure it all out yourself.

Step 1: Call me.
I’ll help you handle the other 9 😂🏡

Tanz Finance, Mortgage Broker, Home Loans, Property Finance, First Home Buyer, Refinancing, Borrowing Power, Pre Approval, Investment Property, Home Buyer, Property Loans, Melbourne Mortgage Broker

The cheapest rate isn't always the best loan🐎I see this all the time.Someone says:“I've found a loan that's 0.10% cheape...
20/08/2026

The cheapest rate isn't always the best loan🐎

I see this all the time.

Someone says:

“I've found a loan that's 0.10% cheaper.”

Great.

But that's only one part of the equation.

What about the offset account?

The annual fees?

Redraw?

Fixed or variable?

Ability to make extra repayments?

Loan features?

Lender policy?

And perhaps most importantly, does the loan actually suit what you're trying to achieve?

A 0.10% lower rate might save you money, but a loan with the right structure could potentially provide significantly more value depending on your circumstances.

This is particularly important for investors, business owners and people who expect their financial position to change over the next few years.

The cheapest interest rate doesn't automatically mean the cheapest or best loan.

The right loan is the one that fits your overall strategy, not just the one with the lowest number advertised.

📸 - Image doesn't need context. It's my Dad riding a horse. He is living his Old Spice fantasy, haha

19/08/2026

Apparently my clients think I’m a magician, time traveller, bank… and occasionally a clown 😂

No magic tricks here. Just finding the right lending strategy for your situation.

[TanzFinance, MortgageBroker, HomeLoans]

Waiting for the perfect time⏱️“Should I wait until interest rates come down before buying?”Maybe. But there's another si...
18/08/2026

Waiting for the perfect time⏱️

“Should I wait until interest rates come down before buying?”

Maybe. But there's another side to the conversation.

What happens if rates fall and suddenly thousands of other buyers who have been waiting decide it's time to buy too?

More buyers can mean more competition.

More competition can mean stronger prices.

And suddenly the lower interest rate you were waiting for could be offset by paying significantly more for the property.

That's why I don't think there's much value in trying to perfectly time the property market.

Nobody knows exactly when rates will bottom, when prices will bottom or when the next upswing will begin.

For most people, the better question isn't:

“Is this the bottom?”

It's:

“Does this property make sense for me at today's price, interest rate and circumstances?”

You don't need to perfectly time the market to make a good property decision.

📸 - I don't know where I was looking but this was just before I met Drake in Toronto.

Your borrowing capacity isn't your budget📺One thing I think a lot of home buyers get wrong:Just because the bank will le...
13/08/2026

Your borrowing capacity isn't your budget📺

One thing I think a lot of home buyers get wrong:

Just because the bank will lend you $800k doesn't mean you should borrow $800k.

Your borrowing capacity is essentially the maximum a lender may be prepared to lend you based on their assessment of your income, expenses, debts and financial position.

But your personal budget is different.

You need to consider what repayments you're actually comfortable with, what happens if rates change, your lifestyle, future plans and how much cash you want to keep available.

There's a big difference between:

“How much can I borrow?”

and

“How much should I borrow?”

The first is a lending question.

The second is a financial planning question.

My advice is always to understand your maximum borrowing capacity, but don't feel like you need to use all of it.

Borrow to buy the right property for your circumstances, not simply to reach your maximum borrowing capacity.

📸 - Can confirm, image is 100% accurate.

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