Greystone Finance

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Taking the grey out of home loans. Greystone Finance, founded in 2023, is a team of industry accredited finance brokers, based in Melbourne’s C*D.

Our mission is to help you find the perfect mortgage solution while providing transparent and honest advice. We ensure you have a clear understanding of the mortgage process and all available options. With over 20 years of collective experience in lending, we will guide you through every step, from initial enquiry to settlement, ensuring a smooth and successful journey to homeownership.

15/10/2026

Debt recycling is a strategy that gradually converts non-deductible home loan debt into tax-deductible investment debt over time. By redirecting surplus cash flow and restructuring debt correctly, you can potentially accelerate wealth creation while reducing the amount of non-deductible debt you carry.

For example, a homeowner with a $600,000 mortgage and $50,000 in annual surplus cash flow could potentially recycle their debt over a 10-year period, assuming a marginal tax rate of 37%.

It's not a strategy for everyone. Debt recycling generally suits borrowers with consistent surplus income, a longer-term investment horizon, and the discipline to stay invested through market cycles. Just as importantly, the loan structure needs to be set up correctly from the beginning to ensure the strategy works as intended.

If you'd like to see whether debt recycling could work for you, book a strategy session and we'll run through the numbers alongside your accountant to determine if it's the right fit for your circumstances.

Illustrative example only. General information and not personal financial, tax or legal advice. Investment markets can rise and fall, and outcomes are not guaranteed. Greystone Finance Pty Ltd ACN 668 602 846 is authorised under LMG Broker Services Pty Ltd, Australian Credit Licence 517192.

13/10/2026

What if your home loan could slowly turn into an investment portfolio, without borrowing a dollar more?

Debt recycling swaps non-deductible home debt for tax-deductible investment debt, one step at a time. In our example, a $600K home loan with $50K a year of surplus cash flow, at a 37% tax rate, could be fully recycled in about 10 years.

It isn't for everyone. It works best with reliable surplus income, a higher tax bracket and a 5+ year horizon. The loan structure has to be right from day one.

Book a strategy call and we'll model your numbers alongside your accountant. Link in bio.

Illustrative only. General information, not personal tax, legal or financial advice. Investment markets can fall. Greystone Finance Pty Ltd ACN 668 602 846 is authorised under LMG Broker Services Pty Ltd, Australian Credit Licence 517192.

09/10/2026

Been with your bank for years? You might be paying for it.

Lenders often save their sharpest rates for new customers, and the gap is what we call the loyalty tax. Our new savings calculator compares your loan against 60+ lenders on our panel in about a minute. There's no credit check.

Found a gap? Book a call and a Greystone broker will confirm your real numbers. No obligation.

Calculator + booking: link in bio

Indicative only. Not a quote or offer of credit. Savings depend on your full financial situation, fees and lender assessment. Greystone Finance Pty Ltd ACN 668 602 846 is authorised under LMG Broker Services Pty Ltd, Australian Credit Licence 517192.

08/10/2026

Got an HSBC home loan? Here's what's changing.

HSBC is winding down its Australian retail bank and has stopped taking new home loans. Existing loans have been sold, and Pepper Money is expected to service them from the first half of 2027, subject to regulatory approval. Your rate and terms carry over, so there's no need to panic.

But a change of lender is a natural moment to ask: is my rate still competitive? Our savings calculator compares your loan against 60+ lenders in about a minute, with no credit check. Then book a call and a Greystone broker will walk you through staying versus switching, including any break or discharge costs.

Calculator + booking: link in bio

General information only, not financial advice. Greystone Finance is not affiliated with HSBC or Pepper Money. Greystone Finance Pty Ltd ACN 668 602 846 is authorised under LMG Broker Services Pty Ltd, Australian Credit Licence 517192.

07/10/2026

When did you last check your home loan rate? Loyalty rarely pays.

Our new savings calculator compares your current loan against 60+ lenders on our panel and shows which ones beat your rate, plus what switching could save you each month. It takes about a minute and there's no credit check.

Like what you see? Book a call and one of our brokers will confirm your real numbers and find the right fit. No obligation.

📲 Calculator + booking: link in bio
https://www.greystonefinance.com.au/tools/savings

Indicative only. Not a quote or offer of credit. Savings depend on your full financial situation, fees and lender assessment. Greystone Finance Pty Ltd ACN 668 602 846 is authorised under LMG Broker Services Pty Ltd, Australian Credit Licence 517192.

17/07/2026

In 2023, we started Greystone Finance with a simple idea.
That mortgage broking should feel less like a transaction and more like having someone in your corner.

Today, we hit 100 five-star reviews on Google. 🌟

100 clients who took the time to write down what working with us was like. 100 stories of first homes bought, investment portfolios structured, refinances that saved thousands, and strategies that actually stacked up.

Every review is a reminder of why we started. And every one belongs to the team that shows up every day to do the work.
To our clients, thank you. For your trust, for referring your friends and family, and for holding us to the standard we set ourselves. We wouldn't be here without you.

To the team this one's yours.

Onwards.

08/07/2026

FY2026, in numbers. And the bigger picture too. 📊🧱

One financial year. One growing team. Here's what it looked like on our end:

🤝 168 clients helped find the right lending structure
💰 $102,033,083 settled for our clients this year
👥 A team of 5 — and growing

Zoom out to 2023, when we first opened our doors, and the picture gets even bigger:

🤝 334 clients helped, cumulatively
💰 $218,612,083 settled since inception
⭐ 96 five-star Google reviews (thank you, truly)
👥 From a team of 2 to a team of 5

Every one of these numbers is a client who got into their first home, recycled their debt into a wealth-building strategy, or grew their investment portfolio. That's the part we never get tired of.

We started Greystone Finance to do lending differently — more strategy, less sales pitch. Three years in, the numbers say it's working, but the trust our clients keep putting in us is what actually keeps us going.

Here's to building the next chapter with you. 🥂

Thinking about what FY2027 could look like for you? Link in bio to book a free strategy call with the team.

— Greystone Finance

07/07/2026

Pay off your mortgage in 10 years. 🏠⏳

Not by earning more. By using what you already have, smarter.

Swipe through for the 6 principles behind it:
→ Every dollar you earn already has a job — you just haven't told it what to do
→ A ruthless surplus (found automatically, not through more sacrifice)
→ Making your offset work harder for you
→ Turning bad debt into good, tax-effective debt
→ The step-by-step structure that makes it repeatable
→ How to set it all up correctly from day one

Most homeowners are sitting on equity and cash flow they don't realise they can redirect. Debt recycling isn't a loophole — it's a structure. And with the right one, a 30-year loan can become a 10-year one.

Ready to see what it looks like with your numbers? Link in bio to book a free strategy call.

— Greystone Finance

General information only. Not personal financial advice.

11/06/2026

RATE CYCLE PLAYBOOK — what to do as the RBA pivots.

The RBA has delivered 75bp of recent hikes. Inflation is sticky. Growth is slowing. The cycle is late — and the pivot question is now 'when', not 'if'. This is your playbook for the next 12–24 months.

📈 THE FOUR PHASES.
• HIKE — Rates rising. Fix the right portion.
• PEAK — Rates plateau. Refinance, prepare to pivot.
• CUT — Rates falling. Stay variable, lock features.
• LOW — Rates bottom. Don't get lazy. Review.

📈 FIXED VS VARIABLE — IT'S NOT EITHER/OR.
Fixed = certainty, locked repayments, limited extras, break-fee risk.
Variable = flexibility, full offset, refinance any time, repayment risk.
Most clients are best served by a SPLIT loan — typically 50–70% fixed, the rest variable. You get predictability on the bulk of the debt with offset benefit on the rest.

📈 WHEN TO FIX. Lock in if:
• Your cash flow can't absorb a further 1% rate rise
• You'll keep the loan for the full fixed term
• You don't need a full offset across the loan
• Fixed rates are visibly below the variable revert rate

📈 REFI TIMING. The biggest windows open when the cycle is turning. Watch for: sharper front-book offers, cashback campaigns returning, your fixed period ending, an RBA narrative shift.

📈 MISTAKES TO AVOID.
• Fixing at the top (just because rates feel high)
• Ignoring the revert rate at the end of a fixed term
• Losing your offset when you fix
• Set-and-forget after refinancing

Don't time the cycle alone. We'll stress-test your loan against the next 24 months of rate scenarios and tell you exactly what to fix, switch or leave alone. Drop a DM or book a rate review.

General info only. Not personal financial advice. Rate decisions are specific to your circumstances — seek tailored advice.

09/06/2026

RENTVESTING — rent where you want to live. Buy where you can afford to invest.

Locked out of your favourite Sydney or Melbourne suburb? You're not the first generation to face this — but you might be the first with a real alternative. Rentvesting decouples your lifestyle from your portfolio. Live where you want. Invest where the numbers actually work.

🏠 THE IDEA. Most Australians bundle 'where to live' and 'where to buy' into one decision. Rentvesters split them apart.

🏠 WHY THE MATH WORKS.
• Lower entry — buy where you can afford, not where you'd live
• Tax deductions — interest, depreciation, expenses come off your tax
• Rent in — tenants pay a meaningful share of holding costs
• Lifestyle kept — live where you actually want

🏠 GOOD FIT IF YOU.
Live in a city where you can't afford to buy where you want. Value flexibility (career, lifestyle). Earn enough to service an investment loan. Are willing to think like an investor, not a homeowner.

🏠 THE HONEST TRADE-OFFS.
No FHOG (only applies if you live in it). No PPOR CGT exemption — the investment is fully taxable on sale. Renting carries less stability. Buying with your head, not your heart, takes practice.

🏠 POST-BUDGET 2026.
New builds retain full negative gearing. Established residential bought after 12 May 2026 loses the deduction against wage income. Tilt the rentvest play toward new builds going forward.

🏠 THE PLAYBOOK.
1. Run the maths properly — lifetime outcomes, not month-1 cash flow.
2. Pick the right market — growth corridor, strong rent demand.
3. Structure the loan — offset, IO, deductible debt separated.
4. Lean into new builds — tax-favoured post-Budget.
5. Stay disciplined — review yearly, refinance when it makes sense.

Want to know if rentvesting could work for you? Drop a DM or book a strategy call. We'll model the numbers and show you what's possible and we will send through our detailed playbook for free.

Want to know if rentvesting could work for you? Send us a DM or book a strategy call — we’ll model the numbers, show you what’s possible, and send through our detailed playbook for free.

Address

811/1 Queens Road
Melbourne, VIC
3004

Telephone

+61391910274

Website

http://www.greystonefinance.com.au/

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Katherine Isbrandt - About Retirement

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