Lauren Franzmann - Flint - FFA

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

01/09/2026

Do you know what scheme best suits your individual position?🏛️🤝🏡

Send me a message to find out more today!

24/08/2026

SETTLED just this week!🔑✅🏡

Send me a message to find out more

LMI gets a bad rap.Lenders Mortgage Insurance.Most buyers hear it and immediately think it is a fee they need to avoid a...
20/08/2026

LMI gets a bad rap.

Lenders Mortgage Insurance.
Most buyers hear it and immediately think it is a fee they need to avoid at all costs.

Sometimes that is true.
Sometimes it is the smartest move you will ever make.

Here is the maths nobody talks about:

Saving an extra 10% deposit can take 2 to 3 years.
In those 2 to 3 years, the property you wanted has often gone up by more than the LMI would have ever cost you.

LMI is not always the enemy.
Sometimes it is the bridge between waiting and owning.

Run the numbers both ways before you decide.

It’s easy to assume that slow progress means no progress.But some of the most important financial work happens quietly, ...
20/08/2026

It’s easy to assume that slow progress means no progress.

But some of the most important financial work happens quietly, before anything visible changes.

Understanding your habits.
Learning how decisions compound.
Clarifying what matters to you.
Building consistency.

These steps don’t come with milestones or celebrations, but they shape everything that comes next.

Quiet preparation often leads to strong outcomes later.

18/08/2026

Have you got your pre-approval in place yet? 🏡📋☑️

Send me a message!

What I want every woman in her 20s to know about money:Start the savings account before you think you need to.Do not wai...
17/08/2026

What I want every woman in her 20s to know about money:

Start the savings account before you think you need to.
Do not wait for a partner to buy a home.
Do not wait for a promotion to start investing.
Understand the difference between good debt and bad debt.
Be more interested in the numbers than the colour of the kitchen.
Find women who are 10 years ahead of you and ask them everything.
Ask your employer about salary sacrifice into super, from your very first job.

And the one I wish more women heard sooner:

You are allowed to want financial independence as the point.
Not the back up plan.

A client of mine recently bought her first investment property.She is 31. Single. Income $108,000.Owns her home in Weste...
16/08/2026

A client of mine recently bought her first investment property.

She is 31. Single. Income $108,000.
Owns her home in Western Sydney, bought 4 years ago.

When she came in, she thought she was "not ready" for an investment.

Here is what we found:

$165,000 of usable equity sitting in her current home.
Borrowing capacity higher than she expected.
An interstate market she had not even looked at, with stronger yield than her own city.

She bought a $590,000 unit in Logan.
Rental yield 5.6%. Almost covering the holding costs.
Zero cash out of pocket.

She owns two properties now.
She is 31.

The story we are told about who builds wealth in this country is outdated.

Nobody ever feels ready to buy their first property.Nobody.I have settled hundreds of first home loans.Every client, at ...
13/08/2026

Nobody ever feels ready to buy their first property.

Nobody.

I have settled hundreds of first home loans.
Every client, at some point, said some version of:

"This feels too big."
"What if I'm making a mistake."
"Should I just wait another year."

Then they settle.
And 12 months later, the only regret they have is not doing it sooner.

Ready is not a feeling.
Ready is a checklist.

Your job is not to feel ready.
Your job is to tick the boxes.

Two clients refinanced the same week.Same lender. Same rate. Same loan size.One ended up $9,000 better off in year one.T...
12/08/2026

Two clients refinanced the same week.

Same lender. Same rate. Same loan size.

One ended up $9,000 better off in year one.

The difference was structure.

Client one took a standard variable loan, no offset as she wanted the cheapest rate.
Client two took a slightly higher rate with a 100% offset account, and used it as her everyday transaction account.

Every dollar that landed in her account reduced the interest she paid that day.

Same rate on paper.
$9,000 difference in real life.

The rate is not the whole story.
Sometimes it is not even the main story.

Last month I met with a fly-in fly-out worker from the mines.31 years old.$185,000 income.But 3 lenders had told him no ...
11/08/2026

Last month I met with a fly-in fly-out worker from the mines.

31 years old.
$185,000 income.
But 3 lenders had told him no on his first home.

Why?

FIFO income is complicated. Base salary. Site allowance. Living away from home allowance. Bonuses.
Most lenders count the base and ignore the rest.
On paper that made his income look like $105,000, not $185,000.

We found a lender who understands FIFO income.
Counted the site allowance in full.
Included his bonuses at 80%, averaged over 2 years.

Borrowing capacity went from $530,000 to $820,000.

He is settling next month on a $760,000 first home in Perth.

Same worker.
Same payslip.
Different lender.
$290,000 of borrowing capacity, unlocked.

Address

Newcastle, NSW

Telephone

+61477092641

Website

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