Phil Farrugia Home of Finance

04/06/2026

You never know where a simple conversation might lead — sometimes even a walk along the foreshore can change lives. I’m so grateful our paths crossed and honoured to have been trusted through such an important journey. Thank you so much for the kind words and recommendation 🏡

30/05/2026

Come and support a great cause at our charity day, with all profits going to Childhood Cancer Research Foundation. Enjoy a sausage sizzle and drink while making a difference. We are thrilled to be working with Lions Club of Kingsley-Woodvale.

30/05/2026

With everything from groceries to utilities going up, it’s easy to feel like there’s less room to move financially.
What many people don’t realise is that your home loan can play a big role in easing that pressure.
A quick review could help:
• Lower your repayments
• Improve your monthly cash flow
• Make better use of your home equity
• Ensure your loan still suits your current situation
I’ve been helping clients find simple ways to create breathing room—often without major changes, just smarter structure.
If you haven’t reviewed your loan in a while, it’s a good place to start.
Reach out anytime if you’d like to explore your options.

28/05/2026

Being trusted time and time again is something I never take for granted. Huge thanks to these amazing clients — and I’m always happy to check in when it’s update time again!

27/05/2026

With higher rates and tighter lending rules, it’s completely normal to feel unsure about what you can actually borrow right now.
But here’s the thing… not all lenders assess applications the same way.
Your borrowing power can look very different depending on:
• The lender you choose
• How your income is structured
• How your loan is set up
I’ve been helping clients who thought they were out of options, only to find there were still pathways available once we looked at things properly.
If you’re unsure where you stand, you’re not alone—and you don’t have to figure it out on your own.
Reach out before ruling anything out. I’m always happy to help you explore your options.

23/05/2026

What I’m noticing lately with clients 👇
A lot of people are feeling unsure about their repayments right now — and that’s completely understandable.
The good news is, once we take the time to review things together, it often brings a lot more clarity and confidence around what your options actually are.
If it’s been a while since you’ve checked in on your home loan, I’m always here to help.
Message me anytime for a chat 😊

21/05/2026

Helping families achieve their first home is always incredibly special. Thank you for the trust and recommendation — it truly means a lot!

19/05/2026

Fixed or Variable — What’s Right for You?
With so much talk about interest rates, it’s easy to feel like you need to “guess” the market.
But choosing between fixed and variable isn’t about predicting rates — it’s about what works best for you.
Everyone’s situation is different, and the right loan setup depends on things like:
• Your budget and repayments
• How much flexibility you need
• Your comfort with rate changes
• Your plans over the next few years
Getting the structure right can make a big difference in how manageable your loan feels.
If you’d like a second opinion or just want to explore your options, I’m here to help. Send me a message anytime 📩

16/05/2026

Time for a loan check‑in?
If it’s been over 12 months since you last reviewed your loan, it may not be aligned with today’s market or your current needs. Even small changes over time can make a big difference to how manageable repayments feel.
A quick check‑in can help you understand where you stand and whether your loan still makes sense for you.
Send me a message if you’d like to book a review.

15/05/2026