Jason Kuan - Shern Advisory

Jason Kuan - Shern Advisory Focused on providing home loan advice and long term debt management strategies for homeowners

07/01/2026

Thought buying your first home was simple?

So did I… until I made every mistake you could possibly make, including being $20K short on settlement day!

In my latest YouTube video, I share a step-by-step guide on what I’d do if I were buying my first home again in 2026, so that aspiring first home buyers don’t make the same mistakes!

Check out the full video here: https://youtu.be/Ero2X616F64

05/12/2025

Lower deposit doesn’t mean higher budget. Know your limits & know the market.

In my latest YouTube video, I break down the changes to the 5% Deposit Scheme, how it will impact the property market, and what borrowers need to be aware of.

Check out the full video here: https://youtu.be/iq7JGHglkRs

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04/11/2025

Think building equity is slow? Here’s what 4 years and smart borrowing can really do.

In my latest YouTube video, I show how equity really works (using real numbers), how to access it, and mistakes to avoid.

Check out the full video here: https://youtu.be/856Lf9oJ6EU

You’re a Clinic Owner with Strong Income — So Why Isn’t Your Money Doing More?You run a busy clinic. You earn great mone...
17/04/2025

You’re a Clinic Owner with Strong Income — So Why Isn’t Your Money Doing More?

You run a busy clinic. You earn great money. You save well.
But you know income alone isn’t going to build long-term wealth.
Not the kind that gives you the freedom to slow down — or step away — on your terms.

Property is the next move.
Not because it’s trendy, but because it works — when it’s structured right.

You’re not here to become a full-time investor.
You want smart, strategic moves that use your income while it’s strong…
So you can build options for later.
Pay down debt faster.
Retire early — or work because you want to, not because you have to.

What’s holding you back isn’t mindset.
It’s not fear.
It’s time — and not knowing who to trust to handle the details properly.

That’s where we come in.

If you’re ready to start making property work with your income — not just sit on the sidelines

💬 Comment “strategy” if this is hitting home — and you’re ready to step forward.

10/04/2025

Own a business but can't buy a home?

We had loads of fun structuring the financing of this home for & , whose circumstances were a little unconventional at ...
21/03/2024

We had loads of fun structuring the financing of this home for & , whose circumstances were a little unconventional at the time of application. We are blessed to have played a part in your journey to calling this beautiful church your own after all the hurdles we overcame.

Thank you to the talented Rebekah from , who meticulously highlighted the intricacies of this magnificent church. Capturing the essence of a unique property requires exceptional talent.

What do you think of this stunning church-turned-home? Let us know in the comments below!

"

Check out .on.high for your next vacation in Tasmania.

During RBA's announcement
08/11/2023

During RBA's announcement

01/11/2023

Putting it all together

Before the rate reduction and loan restructure their minimum repayments were $4,280. After the adjustments, their repayments reduced to $4,066. After taking into account the interest savings from offset of $109 they have grown from having no surplus cash every month to making additional repayments of $323 every month towards their home loan. And with that they will be paying off their home loan 4 years early. It may not be much, but at least they have some room to breathe and are able to tolerate another few rate rises.

Now that's what I'd like to call a win! 😁

31/10/2023

Step 3 – Use their offset and credit card accounts effectively

They started using their credit card and have all due dates adjusted to the 28th of every month, which is roughly 5 days before the next pay date. They pay all their bills on the same day even though they are receiving their salary and rental income fortnightly. They run a very tight budget and on the 28th day, their offset balance goes down to nearly zero. However, by leaving as much cash in their offset for the full 28 days, they managed to save $110 in monthly interest.

Let's put all together - stay tuned 😁

30/10/2023

Step 2 – Restructure investment loan to Interest Only

We restructured their investment property loan to interest only after seeking tax advice from their accountant. The monthly repayments reduced from $1,075 to $937 on the investment loan which they can put into reducing their home loan.

Stay tuned for Step 3 😁

29/10/2023

Step 1 – Rate Review

Their original rate with the lender was 6.05% for the investment and 5.93% for the owner occupied loan. They called the lender's retention line to ask for a discharge authority stating that another lender is offering them 5.84% with no annual fees to refinance. Instead of giving them a discharge form, the lender dropped their rate immediately to 5.71% for both loans. The total interest for both loans over remaining term was going to be $621k. With the rate adjustment, the total interest over the remaining term will reduce to $590k. That’s a saving of $31k.

Stay tuned for Step 2 😁

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Melbourne, VIC
3000

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+61433147323

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