Greystone Finance

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

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.

In 2023, we started Greystone Finance with a simple idea.That mortgage broking should feel less like a transaction and m...
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.

FY2026, in numbers. And the bigger picture too. 📊🧱One financial year. One growing team. Here's what it looked like on ou...
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

Pay off your mortgage in 10 years. 🏠⏳Not by earning more. By using what you already have, smarter.Swipe through for the ...
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.

RATE CYCLE PLAYBOOK — what to do as the RBA pivots.The RBA has delivered 75bp of recent hikes. Inflation is sticky. Grow...
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.

RENTVESTING — rent where you want to live. Buy where you can afford to invest.Locked out of your favourite Sydney or Mel...
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.

COMMERCIAL PROPERTY — higher yields, longer leases, and untouched by the 2026 reforms.Where residential investors hope f...
04/06/2026

COMMERCIAL PROPERTY — higher yields, longer leases, and untouched by the 2026 reforms.

Where residential investors hope for capital growth and absorb negative cash flow, commercial investors are usually cash-flow positive from day one. Different asset class. Different rules. Different game.

🏢 THE YIELD EDGE. Sydney residential ~3.5% gross. Suburban office / retail ~6%. Industrial / warehouse ~7%. Commercial pays you to hold it.

🏢 THE LEASE. 3–10 year terms with built-in CPI or fixed annual increases. Tenant typically pays the outgoings — council rates, water, insurance, repairs. Personal guarantees from business owners are common.

🏢 THE 2026 ANGLE. The Budget reforms target residential. Commercial sits outside the negative gearing and CGT changes entirely. Full deductions, full 50% CGT discount (until 1 Jul 2027 then indexation), and rich depreciation continue to apply.

🏢 THE KILLER COMBO. SMSF + commercial. You can rent your own business premises from your SMSF at market rate, legally. The rent is a deductible business expense AND flows back into your retirement wealth taxed at 15%.

🏢 THE FINANCE. Lower LVRs (65–75% vs 80–95% residential). Rate premium 1–2% above standard mortgages. 3–5 year loan terms. Lenders underwrite the property's income, not just yours.

🏢 WATCH FOR. Vacancy voids of 6–12+ months when a tenant leaves. Tenant covenant risk — the yield is only as good as who's paying it. Slower capital growth than residential. Higher capital required up front.

Best fit: investors with sufficient capital, a yield focus, and a long-term horizon. Business owners with their own premises are a natural starting point.

Want us to model whether commercial property fits your portfolio? Send us a DM or book a strategy call — and we’ll also share our detailed playbook with you for free.

General information only. Not personal financial advice. Commercial property carries different risks to residential — seek tailored advice.

Most Australians make their biggest financial decision, buying property with less research than they put into a holiday....
03/06/2026

Most Australians make their biggest financial decision, buying property with less research than they put into a holiday.

After the May 2026 Budget, the rules changed more than they have in 25
years. Negative gearing narrowed. The CGT discount retired. New builds
emerged as the only fully tax-advantaged residential play left.

If you're buying, selling, refinancing or restructuring in the next 18
months, the post-Budget rules are genuinely different from what your
accountant told you last year.

We wrote them all down. 50 pages. 12 chapters. The exact strategies we
use with our clients — including the ones our competitors don't talk
about.

Yours, free. Comment PLAYBOOK or DM us.

General info only. Not personal financial advice.





REFINANCING STRATEGY — when, why, and how (without leaving money on the table).Most Australian borrowers pay a 'loyalty ...
02/06/2026

REFINANCING STRATEGY — when, why, and how (without leaving money on the table).

Most Australian borrowers pay a 'loyalty tax' — the rate they're on now is higher than what the same bank offers a new customer next door. Closing that gap is one of the highest-ROI moves you'll make this year.

💰 THE LOYALTY GAP. Existing borrowers typically pay 0.20–0.60% more than front-book rates. On a $750K loan, that's $232/month — $83K over 30 years.

💰 WHEN TO REFINANCE.
• Your loan is 2+ years old (rate drift starts here)
• Fixed rate about to expire (avoid the cliff into a higher revert rate)
• Property has appreciated 10%+ since purchase
• Income grew or debt reduced
• You're paying LMI but you've crossed below 80% LVR

💰 BEYOND THE RATE. The lowest rate isn't always the best deal. Offset, splits, redraw and portability often save you more than 10bp of rate ever will.

💰 THE STRATEGIC PLAY — equity unlock. Refinance to access built-up equity (current value × 80% minus loan balance). Use it as the deposit for your next property — without saving a fresh lump sum.

💰 BREAK-EVEN. Typical refi costs $0–1,900 in fees + valuations. A 0.50% rate cut typically pays it back in 3–6 months.

💰 AVOID. Chasing the headline rate. Quietly resetting to a fresh 30 years (lower payments, more interest). Cross-collateralising without meaning to. Skipping the structure review.

When did you last check your rate? Drop a DM or book a free rate review, we'll benchmark you against the market in 24 hours and only recommend a switch if the numbers stack up, we will also send you a detailed version of this playbook for free.

General information only. Not personal financial advice.

SMSF PROPERTY — Australia's most tax-effective wrapper for long-term property wealth.Most investors think about super an...
28/05/2026

SMSF PROPERTY — Australia's most tax-effective wrapper for long-term property wealth.

Most investors think about super and property as two separate strategies. Sophisticated investors combine them. Done well, an SMSF lets you buy investment property using your super, taxed at super-fund rates that no individual investor can access.

📌 THE TAX EDGE.
• 15% on rental income (vs your marginal rate up to 47%)
• 10% CGT after 12 months (vs the new individual 30% minimum)
• 0% in pension phase — hold long enough and the tax disappears

📌 HOW IT WORKS.
Set up the SMSF. Establish a bare trust to hold the property. Borrow via a Limited Recourse Borrowing Arrangement (LRBA). Buy. The rent flows into the fund, taxed at 15%. The loan gets paid down by rent + concessional contributions.

📌 THE RULES MATTER.
• Single Acquirable Asset per loan
• No related-party occupation of residential property
• Commercial CAN be rented to your own business at market rent
• No capital improvements while the LRBA loan is active

📌 THE NUMBERS.
• ~$200K+ minimum SMSF balance for residential property
• $3–5K setup, $2–4K annually for accounting + audit
• 60–80% LVR, rates 1–2% above standard mortgages

📌 POST-BUDGET 2026. Largely unaffected. The negative gearing reforms target individuals offsetting losses against wages — that mechanism doesn't apply inside a super fund. SMSF strategies remain intact, though final Treasury language is worth verifying.

Best fit: $200K+ combined super, 5+ years from access, willing to manage compliance, and supported by a licensed financial adviser.

Wondering if SMSF property could work for your situation? Send me a DM or book a strategy call. We work alongside your accountant and financial planner — not replace them. You’ll also receive our detailed playbook for free.

General information only. SMSF strategies require licensed financial advice. Compliance breaches can be costly — never DIY.

FIRST HOME BUYER PLAYBOOK — how to actually get in, in 2026.The deposit gap is real. The good news: the support stack ha...
26/05/2026

FIRST HOME BUYER PLAYBOOK — how to actually get in, in 2026.

The deposit gap is real. The good news: the support stack has never been bigger. Most FHBs leave thousands on the table because they don't know what to combine. Here's the playbook we use with every first home buyer client.

🏠 STEP 01 — STACK THE FEDERAL SCHEMES.
• Help to Buy: government takes up to 40% equity on new builds (30% established). Deposit as low as 2%. Income-tested.
• First Home Guarantee: 5% deposit, no LMI. Annual cap on places.
• First Home Super Saver: contribute and withdraw up to $50K tax-advantaged for your deposit.

🏠 STEP 02 — DON'T SLEEP ON STATE INCENTIVES. Stamp duty concessions, First Home Owner Grants, and new-build bonuses can add $10–30K of value depending on your state. Rules change often — verify current.

🏠 STEP 03 — USE YOUR SUPER. The FHSSS lets you save into super at ~30% tax savings vs a bank account, then pull it out for your deposit. For most workers it's the fastest deposit accelerator.

🏠 STEP 04 — KNOW YOUR REAL BORROWING POWER. Online calculators are a starting point. Lender choice and structure can mean $50K+ of extra capacity. Reduce credit card limits, clear BNPL accounts.

🏠 STEP 05 — POST-BUDGET, NEW BUILDS WIN MORE. Bigger grants, lower stamp duty, and if you ever rent it out later, you keep the favourable investor tax treatment too.

🏠 STEP 06 — AVOID THE CLASSIC MISTAKES. Don't max out borrowing. Don't skip the inspection. Budget for all the costs. Don't DIY the paperwork-heavy schemes.

Find out exactly what you qualify for and what it’s worth. Get your free First Home Buyer playbook — DM or book your strategy call today.

General information only. Scheme rules and thresholds change — verify current eligibility before signing a contract.

Address

811/1 Queens Road
Melbourne, VIC
3004

Telephone

+61391910274

Website

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