Lauren Franzmann - Flint - FFA

Lauren Franzmann - Flint - FFA Together at Flint, we will be helping individuals & families build wealth through property Australia wide.

Settled this week:A $720,000 first home in Western Sydney.Sole trader. 2 years self employed. Income $145,000.His own ba...
08/06/2026

Settled this week:

A $720,000 first home in Western Sydney.
Sole trader. 2 years self employed. Income $145,000.

His own bank told him no 6 months ago.
Said his last tax return was too low.

What changed:

We found a lender that uses the most recent BAS quarterly statements, not just tax returns.
His latest 6 months of income were 40% higher than the prior year.
Suddenly the same borrower looked completely different on paper.

Approved in 12 days.
Settled this week.

Self employed Australians are some of the most underserved borrowers in this country.

Not because they can't afford it.
Because most lenders look at the wrong numbers.

Two clients walked into my office last month.Same income. $120k each.Same deposit. $80k.Same suburb.Same job titles.One ...
07/06/2026

Two clients walked into my office last month.

Same income. $120k each.
Same deposit. $80k.
Same suburb.
Same job titles.

One had a borrowing capacity of $620k.
The other had $710k.

$90,000 difference. Same applicant on paper.

Why?

Different lender.
Different policy on bonus income.
Different treatment of HECS.
Different living expense calculation.

If you Google your borrowing capacity, you get one number.
If you sit down with a broker, you get the right one.

78% of women who take maternity leave return to a lower borrowing capacity, unless your kids look like this! Not because...
04/06/2026

78% of women who take maternity leave return to a lower borrowing capacity, unless your kids look like this!

Not because they earn less long term.
Because lenders only look at current income, not future income.

Here is what most people do not realise:

Buying before maternity leave, while your income is at full strength, is often the smarter play.

Borrowing capacity highest. Now.
Savings discipline already there. Now.
The property keeps growing whether you are at work or at home with a newborn.

Waiting until "after" can mean buying with reduced income and higher prices.

Sometimes the best time to buy is right before the season you think you should wait for.

Settled this week:A $1.2 million investment property in inner Brisbane.Bought by a couple who already own their home in ...
03/06/2026

Settled this week:

A $1.2 million investment property in inner Brisbane.

Bought by a couple who already own their home in Sydney.

What unlocked it:

We pulled $240,000 of equity from their existing home.
Zero out of pocket cash.
Rental yield covers about 78% of the holding costs.

They went from one property to two without touching their savings.

This is what people mean when they say equity is the engine.

Once you own one well-located property, the second is structural, not financial.

Most homeowners have more equity than they realise.
Get it reviewed.

In 2020, the smart money said property would crash.In 2021, it boomed.In 2022, rates went up 300 basis points.In 2023, t...
02/06/2026

In 2020, the smart money said property would crash.

In 2021, it boomed.
In 2022, rates went up 300 basis points.
In 2023, the smart money said it would crash again.
In 2024, it kept growing.
In 2025, more women bought solo than ever before.

Six years.
Six different predictions.
One pattern.

The people who bought, almost any year, are now ahead.
The people who waited for certainty are still waiting.

Certainty is not coming.
Strategy is the only thing you can actually control.

Women retire with about 25% less super than men.Same hours in many cases.Same skills.Often more unpaid work at home.The ...
01/06/2026

Women retire with about 25% less super than men.

Same hours in many cases.
Same skills.
Often more unpaid work at home.

The gap is not just income.
It is time out of the workforce. Part time years. Starting to invest later.

Property does not fix the pay gap.

But owning an appreciating asset, early, is one of the few levers that compounds in your favour while you sleep.

The earlier a woman gets one foot on the ladder, the more time does the heavy lifting.

Time is the asset nobody talks about.

Settled this week:A first home for a 28 year old nurse in Marrickville.$580,000 purchase price.$32,000 deposit.100% offs...
31/05/2026

Settled this week:

A first home for a 28 year old nurse in Marrickville.

$580,000 purchase price.
$32,000 deposit.
100% offset from day one.

12 months ago, her bank told her she could borrow $410,000.
Nowhere near enough for her suburb.

What changed:

We went to a lender that recognises shift penalties as income.
We restructured her HECS debt timing.
We applied the right first home buyer scheme.

Same nurse. Same payslip. $170,000 more in borrowing capacity.

She moves in next month.

If a bank has told you no, that is one opinion.
Not the only one.

$1 of property in 2000 is worth roughly $4 today.$1 in cash in 2000 is worth about 50 cents.That is the same dollar.Same...
29/05/2026

$1 of property in 2000 is worth roughly $4 today.

$1 in cash in 2000 is worth about 50 cents.

That is the same dollar.
Same starting point.
Wildly different outcome based on what you did with it.

Australians who bought property in 2000 outpaced every cash saver in the country.
Australians who waited for the right time are still waiting.

Time in the market beats timing the market.

It always has.
It always will.

28/05/2026

Are you worried about your debt? 💸💳🏦

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Newcastle, NSW

Telephone

+61477092641

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