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Janine Harris - Finance and Property Educator at In Financial Services

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Janine Harris - Finance and Property Educator at In Financial Services

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Janine Harris - Finance and Property Educator at In Financial Services, Mortgage brokers, 2 Dick Street, Newcastle.

Director of In Financial Services
🏠 Guiding family property decisions | 30+ years experience
Sharing education on property & money
👇 Chat with our team
https://linktr.ee/infinancialservices

15/05/2026

My thoughts on the latest Federal Budget as a property investor?
I don’t think it stops people investing.

The rules around property may change over time, but people who are serious about building wealth will always find a way to adapt.

20/04/2026

You don’t have to gift $200,000 to give your kids a $200,000 head start.

A few years ago, we worked with a family who used a family guarantee to help their child buy their first home.

No cash gifted.
No deposit handed over.
Just structure.

The parents offered security from their property.
That allowed their child to buy years earlier than they thought possible.

Fast forward three years.
The property increased by over $200,000.

The parents have since been released from the guarantee.
The child now owns the home independently.
And they’re significantly ahead financially.

But here’s the part people don’t always talk about.

It’s not just about the number.
It’s about what that number creates.

Less money stress.
More confidence.
Earlier independence.
More choices.

When parents step in strategically, it can accelerate everything.

Not by giving money away.
But by giving opportunity sooner.

And sometimes that one decision changes everything.

18/04/2026

No chasing.
No guessing.
Just having the right people in your corner to make your home buying journey easy.

If you’re ever in that stage of “I don’t even know where to start”
don’t worry, we’re just a call away.
No pressure, no judgement, and you don’t have to have it all figured out.

That’s what we’re here for!

16/04/2026

Buying something off-the-plan isn’t the problem. The strategy around it usually is. And that’s how the bad reputation is earned.

In our family, it’s worked well.
But it’s never been a buy, hold and don’t do anything else strategy.

Eighteen months ago, I exchanged on an off-the-plan purchase that settles later this year.
It’s not the first time we’ve done this and it won’t be the last.

Since then, we haven’t been waiting.
We’ve continued building.
Business acquisitions.
Additional super contributions.
Other property projects.

Amy and Ben have taken the same approach - buying, renovating, building - with those moves either completed before settlement or deliberately aligned with it as the next step.

The off-the-plan property is simply one piece.
It ticks away in the background while everything else progresses.

We don’t expect magic from one asset.
Because wealth isn’t created from one bet.

It’s created from structure and by constantly making moves forward.

14/02/2026

What was your reaction to the recent rate rise?

Some people felt it straight away…
Others barely noticed.

That difference usually isn’t luck,
it’s 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴.

In this video, I share how we help clients prepare for rate changes before they happen, and why loan structure can quietly make a big difference over time.

If you want to feel more prepared (not surprised) when things change,
message me or book a chat anytime 💙

04/02/2026

Buying your first home can be stressful and overwhelming, especially when timelines matter and there’s so much happening at once.

One of our biggest goals has always been to create a seamless, calm and enjoyable experience for clients - where nothing feels rushed, unclear, or left to chance.

Ruth’s experience is a real example of that intention coming to life.

Knowing she felt looked after, confident in her loan options, and supported by the whole team means everything to us. Helping first home buyers move forward with less stress and more clarity is why we do what we do - and we’re so grateful to be trusted with such an important milestone 💙

25/01/2026

Most people don’t book this meeting because they’re unsure, not because they’re unprepared.

𝙏𝙝𝙖𝙩’𝙨 𝙘𝙤𝙢𝙥𝙡𝙚𝙩𝙚𝙡𝙮 𝙣𝙤𝙧𝙢𝙖𝙡.

Our role isn’t to judge where you’re at, it’s to help you understand your options and what could be possible, at your pace.
𝙎𝙤𝙢𝙚𝙩𝙞𝙢𝙚𝙨 𝙘𝙡𝙖𝙧𝙞𝙩𝙮 𝙨𝙩𝙖𝙧𝙩𝙨 𝙬𝙞𝙩𝙝 𝙤𝙣𝙚 𝙝𝙤𝙣𝙚𝙨𝙩 𝙘𝙤𝙣𝙫𝙚𝙧𝙨𝙖𝙩𝙞𝙤𝙣.

No jargon. No judgement. Just clarity.
Janine & Ben Harris unpack what your first mortgage broker meeting actually looks like, step by step.

🎧 Watch the 𝘽𝙤𝙣𝙪𝙨 𝙀𝙥𝙞𝙨𝙤𝙙𝙚: 𝙒𝙝𝙖𝙩 𝙨𝙝𝙤𝙪𝙡𝙙 𝙄 𝙚𝙭𝙥𝙚𝙘𝙩 𝙬𝙝𝙚𝙣 𝙢𝙚𝙚𝙩𝙞𝙣𝙜 𝙬𝙞𝙩𝙝 𝙖 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝘽𝙧𝙤𝙠𝙚𝙧 𝙛𝙤𝙧 𝙩𝙝𝙚 𝙛𝙞𝙧𝙨𝙩 𝙩𝙞𝙢𝙚? — link in bio.

21/01/2026

Buying your first home can feel overwhelming, not because you’re doing anything wrong, but because no one really teaches this stuff.

The questions pile up, the noise online gets loud, and suddenly it feels like everyone else knows what they’re doing… except you.

Here’s the truth: confusion is normal. Feeling unsure doesn’t mean you’re behind, it usually means you’re at the right starting point. Whether you’re a first home buyer, thinking about the property market, or trying to understand the home loan process, you don’t need perfect answers before you begin.

The goal isn’t to have it all figured out. It’s to have a space where you can ask real questions, talk things through, and get mortgage guidance without pressure or judgement.

If you’ve been sitting on the sidelines because you’re “not ready yet,” this might be your sign to start the conversation. Clarity comes after you ask, not before.

And if you want to go deeper, watch the full podcast with Janine Harris and Ben Harris, the broker duo behind In Financial Services, as we answer one of the most common questions we get asked:
“What actually happens when I meet with a mortgage broker?”

👉 Click the link in bio to watch the full episode 💙

18/01/2026

Money stress has a way of making everything feel heavier than it needs to be.
But the moment you stop carrying it alone, things usually feel a little clearer… and a lot less overwhelming.

You don’t need to have it all figured out to start.
Janine & Ben Harris explain what that first meeting really looks like, step by step on this podcast "𝘽𝙤𝙣𝙪𝙨 𝙀𝙥𝙞𝙨𝙤𝙙𝙚: 𝙒𝙝𝙖𝙩 𝙨𝙝𝙤𝙪𝙡𝙙 𝙄 𝙚𝙭𝙥𝙚𝙘𝙩 𝙬𝙝𝙚𝙣 𝙢𝙚𝙚𝙩𝙞𝙣𝙜 𝙬𝙞𝙩𝙝 𝙖 𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝘽𝙧𝙤𝙠𝙚𝙧 𝙛𝙤𝙧 𝙩𝙝𝙚 𝙛𝙞𝙧𝙨𝙩 𝙩𝙞𝙢𝙚?"
🎧 Watch the full episode — link in bio.

10/01/2026

Inflation has a way of working in the background.

It doesn’t make much noise day to day but it quietly shapes interest rates, borrowing power, and how cautious lenders become.

Right now, we’re seeing repayments stay higher for longer, lending conditions tighten, and banks assess applications more carefully. It’s not a panic moment… but it is a planning one.

If you’re thinking about buying, upgrading or refinancing in 2026, this is the season to get strategic, not hopeful. To slow things down, understand your position, and make decisions with clarity rather than assumptions.

Address

2 Dick Street
Newcastle, NSW
2302

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 7pm
Wednesday	9am - 7pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://linktr.ee/infinancialservices, http://infinancialservices.com.au/

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