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Monday 8:30am - 6:30pm Tuesday 8:30am - 6:30pm Wednesday 8:30am - 6:30pm Thursday 8:30am - 6:30pm Friday 8:30am - 6:30pm Saturday 9am - 5pm

Sunny Finance-Home Loan Specialist

Home
Australia
Melbourne, VIC
Sunny Finance-Home Loan Specialist

Your Trusted, Reliable, and experienced Mortgage Broker Serving Melbourne's Southeast Suburbs

With a strong passion for Property and Finance, coupled with firsthand experience as both an investor and a former real estate agent, I possess invaluable insights into the realm of life-changing financial decisions. By offering expertise in both finance and real estate, I am poised to assist you in acquiring that perfect property, expanding your portfolio, and achieving your financial dreams. Navigating the complexities of purchasing a home can indeed be overwhelming, especially with the myriad of loan products available. As your trusted advisor, my role is to alleviate this stress by guiding you toward an informed decision that best optimizes your financial situation. I make it a priority to delve deep into your current objectives and future aspirations. I am committed to walking hand in hand with you every step of the way, providing consistent updates and unwavering support throughout the entire loan process—from our initial consultation to loan settlement and beyond. Choosing me as your mortgage broker provides you with an invaluable edge. I maintain close relationships with numerous lenders, keeping abreast of the latest bank policies, home loan products, and interest rates through ongoing communication. My mission is to sift through a vast array of options from our panel of over 40 trusted lenders and over 800 loan products to identify the most suitable solution for your unique situation. My ultimate goal is to help you save time, money, and grow your wealth. I pride myself on my tireless work ethic and unwavering dedication to ensuring my client's complete satisfaction and peace of mind. Whether you're a first-time homebuyer, seeking to refinance an existing loan, or delving into property investment, I am committed to placing you in the best possible financial position. I offer comprehensive assistance in various financial areas for home buyers, investors, and business owners, including but not limited to:
• Home Loans
• Investment Loans
• Construction Loans
• Family Guarantee Loans
• Car Loans/Asset Finance
• Debt Consolidation Loans
• Bridging Loans
• Personal Loans
• Low Doc Loans
• Non-conforming Loans (e.g., adverse credit history)
• Commercial Property Loans
• Business Loans
• SMSF Loans

Qualifications

• Diploma of Finance and Mortgage Broking
• Statement of Attainment of Real estate agent representative course
• Bachelor of Nursing

Memberships

• MFAA (Mortgage & Finance Association of Australia)
• AFCA (Australian Financial Complaints Authority)

02/09/2026

🏢 Trust reforms put business restructuring in focus

If your business operates through a family or discretionary trust, proposed tax changes could be worth keeping on your radar.

Around 18% of Australia’s registered businesses operate through trusts, with many of these being small businesses.

The Federal Government has proposed introducing a minimum 30% tax rate on discretionary trusts from 1 July 2028, subject to certain exceptions.

For businesses considering changing their structure, rollover relief is proposed to be available for three years from 1 July 2027. However, there are calls for state governments to provide similar relief to help avoid additional tax costs when restructuring.

💡 Why does this matter?

Changing a business structure isn't simply a tax decision. It can also affect:

• Ownership of property and other assets
• Existing contracts and business arrangements
• Finance and lending structures
• Future borrowing capacity and funding needs

Before making any changes, it’s important to speak with your accountant and legal adviser to understand the tax and legal implications.

And if restructuring means existing loans need to be changed — or your business needs new funding — a conversation with your mortgage or finance broker can help you understand the lending side of the equation.

📩 If you're considering restructuring your business and want to understand how it could affect your existing or future finance, feel free to get in touch.

General information only. Tax and legal advice should be obtained from your qualified advisers.

19/08/2026

Stronger Contract Protections on the Way 📄🔍

If your business regularly signs standard-form contracts, proposed legal changes could give you greater protection when dealing with larger organisations.

Many small businesses have limited opportunity to negotiate. Instead, they may be presented with a contract on a “take it or leave it” basis.

The Federal Government has announced plans to strengthen Australia’s unfair contract term laws by giving ACCC and ASIC greater powers to enforce the rules.

Why do the proposed reforms matter?

The changes would allow regulators to issue infringement notices for breaches, potentially making enforcement faster and more flexible than relying solely on court action.

They build on earlier reforms that:

✅ Made unfair contract terms illegal
✅ Increased maximum penalties to $100 million per offence
✅ Expanded protections to more small businesses

The proposed changes follow a government review which found that the existing regime had been successful, but could be strengthened further.

Contracts still deserve a closer look

Stronger protections are welcome, but they don't remove the need to carefully review agreements before signing.

Whether you're dealing with a supplier agreement, equipment lease, commercial property arrangement or finance contract, understanding the key terms upfront can help reduce the risk of unexpected costs and disputes later.

📌 Before signing an important business contract, make sure you understand what you're agreeing to and seek professional legal advice where appropriate.

General information only.

18/08/2026

SMSFs Can Still Buy Commercial Property 🏢📈

While one SMSF investment strategy has been closed off, another option remains available for some business owners.

The federal government’s new rules prevent self-managed super funds from using borrowed funds to purchase residential investment properties.

But commercial property is different.

SMSFs can still use borrowing arrangements to acquire commercial property, including business premises, provided the relevant superannuation rules are met.

How can it work?

For some business owners, an SMSF strategy may involve:

🏢 Purchasing business premises through the SMSF
🏬 Leasing the property back to the business
📈 Building a long-term retirement asset
🔑 Giving the business greater certainty over its premises

However, SMSF borrowing isn’t a one-size-fits-all strategy. Structures can be more complex than standard commercial lending, and there are important superannuation, lending and financial considerations to understand.

Commercial property finance can also vary significantly between lenders, particularly when an SMSF is involved.

Thinking about purchasing your business premises through an SMSF?

Before making a decision, it’s important to understand the lending options, structure and long-term implications.

As a mortgage broker, I can help you compare available commercial finance options and understand how different lending structures may work for your circumstances.

📩 Get in touch to discuss your options.

General information only. SMSF strategies involve legal, tax and financial considerations. Seek advice from appropriately qualified professionals before proceeding.

Lending subject to lender approval, eligibility, terms and conditions. Fees and charges may apply. Approval is not guaranteed. SMSF strategies are subject to superannuation laws and should be considered with appropriate financial, legal and tax advice.

14/08/2026

ATO warns businesses to check their claims ⚠️

The ATO is stepping up its use of data and analytics to identify incorrect tax deductions and GST claims — making accurate records more important than ever.

Common issues being targeted include:

🔹 Claiming private expenses as business deductions
🔹 Over-claiming GST credits
🔹 Claiming GST credits when GST wasn’t included in the purchase
🔹 Incorrect information on BAS or tax returns
🔹 Poor or missing financial records

Businesses that get it wrong could face amended tax liabilities, audits and penalties.

But good record-keeping isn't just about staying on the right side of the ATO.

📊 It can also help when applying for business finance.

Lenders generally rely on complete and reliable financial information when assessing a business’s financial position. Keeping your records accurate and up to date can make it easier to demonstrate your business performance when finance is needed.

Before lodging your next BAS or tax return, it may be worth taking the time to review your records and claims carefully.

Need help understanding how your financial position could impact your business finance options? Get in touch — we’re happy to help.

11/08/2026

🏦 RBA HOLDS CASH RATE AT 4.35%

The Reserve Bank of Australia (RBA) has decided to keep the cash rate unchanged at 4.35% following its August monetary policy meeting.

While there are some tentative signs that inflation is moving in the right direction, the RBA isn’t ready to declare victory just yet.

📊 Inflation remains a key focus

Annual trimmed mean inflation — the RBA’s preferred measure of underlying inflation — remained at 3.6% in the 12 months to June 2026, unchanged from May.

RBA Governor Michele Bullock has also indicated that underlying inflation is still too high and that further easing in demand may be needed to bring inflation sustainably back towards target.

The Board also appears mindful that the impact of previous rate increases is still working its way through the economy.

What does this mean for borrowers?

For homeowners and prospective buyers, a prolonged pause means it's a good time to review your current position.

Whether you're considering:
🏠 Buying your first home
🔄 Refinancing your existing loan
💰 Accessing equity
📉 Reviewing your current repayments
📈 Assessing your borrowing capacity

Understanding how the current rate environment affects your individual borrowing power and repayments can help you make more informed decisions.

If you're wondering what the current cash rate environment means for you, feel free to reach out for a chat.

General information only. Lending criteria, fees, charges and eligibility requirements apply. Your individual circumstances will determine whether a particular loan or strategy is suitable for you.

30/07/2026

🏡 **Refinancing Window Is Open – Is Your Home Loan Still Working for You?**

If it's been a while since you reviewed your home loan, now could be the perfect time to see what's available.

With more lenders competing for borrowers, many have recently reduced their variable home loan rates, creating new opportunities for homeowners to save.

💰 **Why consider refinancing?**
✔️ Potentially reduce your monthly repayments
✔️ Access better loan features, such as offset accounts or redraw facilities
✔️ Eliminate unnecessary ongoing fees
✔️ Make sure your loan still suits your current financial goals

Don't assume staying with the same lender means you're getting the best deal. The home loan market changes regularly, and a quick review could uncover significant savings over the life of your loan.

At **Sunny Finance**, we'll compare your current loan against today's options and help you understand whether refinancing is worthwhile—without the guesswork.

📞 Thinking about refinancing? Get in touch today for a no-obligation home loan review and let's see if we can help you save.

*Eligibility criteria, lending policies, fees, charges, and terms and conditions apply. Refinancing may not be suitable for everyone, and savings will depend on your individual circumstances.*

03/07/2026

💼 Wage costs are rising from July – is your business ready?

From the first full pay period on or after 1 July 2026, Australia's National Minimum Wage has increased to $1,004.90 per week, while minimum award wages have also risen by 4.75% (subject to applicable awards and conditions).

For many business owners, this means reviewing budgets and planning ahead to manage increasing labour costs.

Rather than simply cutting expenses, many businesses are taking a smarter approach by:
✅ Investing in technology
✅ Automating repetitive tasks
✅ Streamlining workflows
✅ Reviewing pricing strategies

The businesses that prepare early are often in a stronger position to adapt, improve efficiency, and continue growing.

If you're considering upgrading your equipment, technology, or business systems to help offset rising labour costs, we can help you explore finance solutions that suit your business goals.

📞 Get in touch today to discuss your options.

Terms, conditions, fees, charges, lending criteria, and eligibility requirements apply. Finance is subject to lender approval.

30/06/2026

⛽ ATO Updates Fuel Tax Credits – Is Your Business Claiming the Right Amount?

The ATO has updated the Fuel Tax Credit rates, and while the changes may seem minor, they could affect what your business is entitled to claim.

Here's what you need to know:

🚜 If your business uses fuel off public roads
• Fuel tax credits are generally lower.
• The current rate is 20.6 cents per litre.

🚛 If you operate heavy vehicles on public roads
• You may be entitled to a slightly higher fuel tax credit.
• This is due to the temporary reduction in the road user charge.

⚠️ Don't get caught out!
Fuel tax credits are based on when the fuel was purchased, not when it was used. This can impact your BAS and the amount you can claim.

For businesses with significant fuel expenses, even small changes can make a real difference over the course of a year.

If rising operating costs are putting pressure on your cash flow, let's chat about finance solutions that could help your business stay on track.

📞 Get in touch today to explore your options.

Disclaimer: This information is general in nature and does not constitute financial or tax advice. Eligibility for fuel tax credits depends on your individual circumstances. Please consult your registered tax adviser or the ATO for advice specific to your situation. Terms, conditions, fees, charges, and lending criteria apply to finance products.

25/06/2026

🏡 Five Ways to Help Your Kids Buy Their First Home

With property prices continuing to rise, it's no surprise that many parents worry their children may struggle to achieve home ownership. The good news? Supporting your kids doesn't always mean writing a big cheque.

Here are 5 ways you can help set them up for success:

✅ Encourage regular saving habits from an early age
✅ Teach budgeting and financial literacy
✅ Help them understand how credit and borrowing work
✅ Consider contributing to a deposit if you're financially comfortable
✅ Explore guarantor options if they're suitable for your family

💡 Small steps today can make a big difference tomorrow.

Buying a home often requires long-term planning, and teaching good financial habits early can help your children become more prepared when the time comes to enter the property market.

For families who can provide financial support, even modest assistance can sometimes make a meaningful difference.

Every family's situation is unique. Whether you're thinking about helping with a future deposit or exploring guarantor strategies, understanding your options early can make all the difference.

📩 If you'd like to discuss ways to help your children achieve their home ownership goals, get in touch—we'd love to help.

Lending criteria, terms, and conditions, fees and charges apply.

19/06/2026

🚗 Businesses Reassess EV Plans as Tax Incentives Change

Electric vehicles (EVs) remain a smart option for many businesses, but upcoming changes to government incentives mean now is a good time to review your fleet strategy.

The Federal Government has announced a gradual transition from the current EV Fringe Benefits Tax (FBT) exemption to a new discounted FBT model. While eligible EVs can still access valuable tax benefits for several years, the rules will change over time.

💡 What does this mean for business owners?

✅ More EV models are now available than ever before
✅ Greater affordability and flexibility when upgrading fleets
✅ Potential tax savings are still available under current arrangements
✅ Financing solutions can help preserve working capital and cash flow

If you're considering upgrading vehicles for your business, it may be worth reviewing your options sooner rather than later. The right finance structure can help you take advantage of current incentives while keeping cash flow on track.

📞 Thinking about a new business vehicle or EV fleet? Get in touch to explore finance options tailored to your business needs.

Finance is subject to lender approval, eligibility criteria, and terms and conditions.

Address

Wheelers Hill Shopping Centre, Unit 41 C/190 Jells Rd
Melbourne, VIC
3150

Opening Hours

Monday	8:30am - 6:30pm
Tuesday	8:30am - 6:30pm
Wednesday	8:30am - 6:30pm
Thursday	8:30am - 6:30pm
Friday	8:30am - 6:30pm
Saturday	9am - 5pm

Telephone

+61424194688

Website

http://www.sunnyfinance.com.au/

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