FAM Brokers

10/06/2026

💰 High Income Doesn't Always Mean Financial Freedom

One of the biggest myths I see in finance is that earning more money automatically solves financial stress.

The truth?

I've worked with clients earning six figures who still feel overwhelmed by debt, rising living costs, and uncertainty about their future.

Financial wellness isn't about how much you earn.

It's about:

✅ Understanding your cash flow
✅ Having a clear plan
✅ Managing debt effectively
✅ Building financial resilience
✅ Knowing where your money is going

Money should give you options, not anxiety.

The clients who achieve the greatest financial success are often not the highest earners. They're the ones who have clarity, consistency, and a strategy.

What is one financial goal you're focusing on before the end of the year?

📞 0430 077 581
📩 DM me if you'd like to discuss your financial goals and lending strategy.

FAM Brokers Pty Ltd ABN 62 685 825 969. Australian Credit Licence 568818.

📌 Your full financial situation would need to be reviewed prior to acceptance of any offer or product. This is general information only and does not take into account your personal circumstances. Please seek independent professional advice relevant to your situation.

09/06/2026

🏡 Is Your Home Cross Collateralised Without You Realising It?

This week I worked with a client who only recently discovered that their family home was being used as security against another lending facility.

The reality is many Australians don't fully understand how their lending has been structured over the years.

Cross collateralisation can sometimes provide benefits, but it can also:

• Restrict access to equity
• Limit flexibility when refinancing
• Complicate property sales
• Delay access to funds when you need them most
• Reduce control over your financial future

One of the most important questions every property owner should ask is:

"Do I fully understand what assets are securing my loans?"

A simple review could save you significant time, stress, and money down the track.

If you're unsure how your lending is structured, let's have a conversation.

📞 0430 077 581
📩 DM me to arrange a review.

FAM Brokers Pty Ltd ABN 62 685 825 969. Australian Credit Licence 568818.

📌 Your full financial situation would need to be reviewed prior to acceptance of any offer or product. This is general information only and does not take into account your personal circumstances. Please seek independent professional advice relevant to your situation.

07/06/2026

I am incredibly honoured and humbled to be featured in the Broker Daily edition of 8 June 2026.

A huge thank you to my amazing clients, referral partners, lenders, BDMs, credit teams, settlements teams, family, friends, and everyone who has supported me throughout my journey in the finance industry. Your trust and support mean more than words can express.

Congratulations to all the finalists and those recognised in both Broker Daily and The Adviser Broker of the Year Awards. Our industry is filled with exceptional professionals who work tirelessly to support their clients and communities every day.

I am grateful to be part of such an incredible profession and look forward to continuing to help Australians achieve their property and financial goals.



FAM Brokers Pty Ltd ABN 62 685 825 969. Australian Credit Licence 568818.

07/06/2026

I am incredibly honoured and humbled to be featured in the Broker Daily edition of 8 June 2026.

A huge thank you to my amazing clients, referral partners, lenders, BDMs, credit teams, settlements teams, family, friends, and everyone who has supported me throughout my journey in the finance industry. Your trust and support mean more than words can express.

Congratulations to all the finalists and those recognised in both Broker Daily and The Adviser Broker of the Year Awards. Our industry is filled with exceptional professionals who work tirelessly to support their clients and communities every day.

I am grateful to be part of such an incredible profession and look forward to continuing to help Australians achieve their property and financial goals.



FAM Brokers Pty Ltd ABN 62 685 825 969. Australian Credit Licence 568818.

07/06/2026

Last night, I had the pleasure of attending the launch of the 40 Over Forty Project by DvvsPortrait.com. I was invited by my wonderful friend Alison Wheeler, who is also one of the incredible women featured in this year's magazine. Congratulations Alison, what a well deserved recognition!

It was a privilege to meet and reconnect with so many amazing women showcased throughout the magazine. The room was filled with inspiring stories, resilience, courage, success, and authenticity. Equally wonderful was seeing the partners, husbands, families, and friends who came along to celebrate and support these incredible women. Their presence made the evening even more special.

A huge thank you to Vanessa van Straaten, the talented photographer behind this beautiful project, for creating a platform that celebrates women, their journeys, and their achievements.

I was fortunate to spend the evening with some truly remarkable people, including Hunt Totally Taxing Pty Ltd an Accountancy on the Gold Coast, Sarah Ndiaye, the lovely Mayor from Byron, Pira, Anne, who shared fascinating stories about being one of Australia's first female pit crew members and her passion for Lotus cars, Julie Parker and many others.

The conversations around the table were filled with laughter, life lessons, stories of survival, success, loss, challenges, growth, and determination. It was a wonderful reminder of the strength, wisdom, and resilience that women bring to every stage of life.

What a fabulous evening of connection, inspiration, learning, sharing, and celebration. I cannot wait to see what next year's edition brings in March. Congratulations to everyone involved in creating such a meaningful and empowering project.

Last night, I had the pleasure of attending the launch of the 40 Over Forty Project by DvvsPortrait.com. I was invited by my wonderful friend Alison Wheeler, who is also one of the incredible women featured in this year's magazine. Congratulations Alison, what a well-deserved recognition!

03/06/2026

You don’t need a huge budget to make a big difference in your home.

Fresh paint and updated lighting can completely transform a space.
Doing simple DIY like painting or landscaping can save thousands.
Shopping smart by using clearance items or resale platforms can stretch your budget further.
Staging your renovations helps manage cash flow and avoid unnecessary pressure.
Focusing on kitchens, bathrooms, and street appeal can add the most value.

One of the most overlooked steps is understanding how to fund it properly.

Whether it’s using savings or reviewing your equity, how you structure it matters just as much as what you spend.

Small, smart changes over time can create a home you love without overspending.

If you’re considering renovations and want to understand your options, I’m always happy to chat.

Please note this is general information only and does not constitute financial or credit advice. Individual circumstances vary.

02/06/2026

Most homeowners are sitting on equity but not using it strategically. Equity can be one of the most powerful financial tools available, yet it is often misunderstood or left unused.

Used correctly, it can help you:
Fund your next property
Support business growth
Improve your overall financial position

Used without a clear strategy, it can:
Reduce your borrowing capacity
Increase financial pressure
Limit your future options

The difference is not whether you have equity. It is how you use it. If you are curious about what your equity position looks like or how it could be used effectively, it is worth exploring before making your next move. Feel free to reach out if you would like to run through your options.

This is general information provided is general in nature and does not consider your personal objectives or financial situation.

28/05/2026

The proposed FY27 negative gearing reforms are already influencing lender policy across Australia.

While legislation is still pending, lenders are beginning to prepare now, and some servicing calculators are already changing.

Here’s what investors need to know:

✔ Properties under contract before 12 May 2026 are expected to remain grandfathered
✔ New residential builds are expected to retain negative gearing benefits
✔ Commercial property remains largely unaffected
✔ Established property purchases after the proposed dates may face quarantined losses from FY27

What’s changing in lending?
📌 More conservative servicing
📌 Reduced borrowing capacity for investors
📌 Greater scrutiny on trust and company structures
📌 Increased verification requirements
📌 Pressure on timelines and approvals

For investors wanting to:

* Expand portfolios
* Refinance existing debt
* Access equity
* Uncross securities
* Purchase established property
* Buy through trusts or companies

…the next 12 months may be extremely important from a structuring and borrowing perspective.

There are still strong lending solutions available including:
✔ Alt Doc investment lending
✔ Up to 80% LVR
✔ Unlimited cash out for portfolio restructuring
✔ No application fee options
✔ Flexible self-employed income verification
✔ Trust and company lending solutions

📩 If you want to understand how these proposed changes may affect your borrowing capacity, investment strategy or future purchasing plans, reach out for a confidential review before policies tighten further.

⚠ Disclaimer: General information only. This content does not constitute financial, legal, taxation or lending advice. Proposed legislation and lender policy changes may vary and are subject to change. Please seek independent professional advice before acting on this information.

27/05/2026

We’re seeing a significant shift across major lenders when it comes to:

* Family trusts
* Company structures
* Distribution income
* Self-employed borrowers
* Related entity income
* Complex group structures

Several lenders have already tightened policy or reduced appetite entirely for trust lending and complex self-employed applications.

At the same time, lenders are becoming increasingly conservative around:
📉 Negative gearing treatment
📉 Add-back income
📉 Intercompany income
📉 Non-trading entities
📉 Historical business losses or ceased entities

For many business owners and investors, this means lender selection is now critical.

The “big 4” approach is no longer one-size-fits-all.

Some lenders are:
❌ Removing negative gearing benefits from servicing
❌ Tightening trust lending requirements
❌ Requesting more financial verification
❌ Limiting entity structures they will accept

But there are still lenders actively supporting:
✔ Self-employed borrowers
✔ Trust structures
✔ Alt Doc lending
✔ Accountants letter verification
✔ BAS and bank statement servicing
✔ Portfolio restructuring and uncrossing

The right lender strategy can make a substantial difference to approval outcomes and borrowing capacity.

If you’re self-employed, buying through a trust, or restructuring an investment portfolio, now is the time to review your lending structure before policy changes tighten further. This is general information only, and not financial or tax advice.

Contact us if you would like assistance with finance:)

26/05/2026