Christian Merry - Finance Broker - Fundd

Christian Merry - Finance Broker - Fundd Finance made easy. No stress, just smart solutions. 🏡
DM me to get started!

04/02/2026

Most people think a mortgage broker just “gets you a loan”.

Reality:
We compare dozens of lenders, structure loans properly, avoid policy traps, save you hours of admin, and advocate for you with the bank.

If your loan hasn’t been reviewed in 2–3 years, it’s probably costing you more than you think.

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Want a second opinion on your current loan?
Christian @ Fundd
📞 0414 373 016
📅 Book a review:
www.fundd.com.au/christian

🎁 That's a wrap for 2025! 🎁⁣⁣A huge thank you for all your support throughout 2025! We hope we’ve made managing your mor...
22/12/2025

🎁 That's a wrap for 2025! 🎁⁣
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A huge thank you for all your support throughout 2025! We hope we’ve made managing your mortgage and finances just that little bit easier this year 😄⁣
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Wishing you a relaxing Christmas and New Year break - here’s to good times, fresh starts, and (fingers crossed 🤞) a few more rate cuts in 2026!⁣
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To find out more, DM or contact Christian from Funnd on:

☎️ – 0414 373 016
💻 – [email protected]

🏘️ Buying a unit? A strata report could be a wise idea 🏘️⁣⁣A strata report can reveal any building defects, planned work...
17/12/2025

🏘️ Buying a unit? A strata report could be a wise idea 🏘️⁣
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A strata report can reveal any building defects, planned works, or evidence of disputes. ⁣
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The report can also confirm whether the building is properly insured. 🔍⁣
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Yes, it’s another upfront cost - usually a few hundred dollars. 💵⁣
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But it can save you from unexpected expenses later or help you avoid buying a bricks and mortar lemon before paying a deposit. 🍋⁣
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Another area you might want help with? Finance! ⁣
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And that's our specialty. 👇⁣
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To find out more, DM or contact Christian from Funnd on:

☎️ – 0414 373 016
💻 – [email protected]

😁 The cash rate may be on hold - but you could still save 😁⁣⁣The RBA may have kept rate cuts on ice. 🧊⁣⁣But that doesn’t...
15/12/2025

😁 The cash rate may be on hold - but you could still save 😁⁣
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The RBA may have kept rate cuts on ice. 🧊⁣
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But that doesn’t mean home owners should. ⁣
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According to Mozo, after the August rate cut, several lenders made additional reductions to their variable rates. 📉⁣
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Fixed rates have also continued to drop. ⁣
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If you haven’t reviewed your home loan recently, now could be a good time to do so. ⏰⁣
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And with a mortgage broker’s help, refinancing can be a simpler process.⁣
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Talk to us to see if switching could help you save on interest on your home loan. 👇⁣
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To find out more, DM or contact Christian from Funnd on:

☎️ – 0414 373 016
💻 – [email protected]

🏡 Property dreams becoming a reality for more first home buyers 🏡⁣⁣Great news!⁣⁣Falling rates and lower inflation are he...
10/12/2025

🏡 Property dreams becoming a reality for more first home buyers 🏡⁣
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Great news!⁣
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Falling rates and lower inflation are helping more first home buyers start their home ownership journey. 🙌⁣
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The latest Equifax Consumer Credit Report shows a rise in first-time buyers applying for loans. ⁣
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Mortgage brokers are seeing up to 10% more first home buyer enquiries. ⁣
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While Australians aged 26-35 are most active, Equifax also reports growing interest from buyers aged 18-25. 👏⁣
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It’s all thanks to the range of government support programs available to first home buyers. 🏠⁣
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Call us today to learn more about the helping hands that can get you into a place of your own. 👇⁣
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To find out more, DM or contact Christian from Funnd on:

☎️ – 0414 373 016
💻 – [email protected]

🎄 Could festive season spending wipeout your first home plans? 🎄⁣⁣It’s easy to get swept up in seasonal spending. ⁣⁣But ...
08/12/2025

🎄 Could festive season spending wipeout your first home plans? 🎄⁣
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It’s easy to get swept up in seasonal spending. ⁣
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But going over-board on your credit card or buy-now-pay-later could affect your home loan approval if you're in the market to buy. ⚠️⁣
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That's because lenders often review your recent spending patterns. ⁣
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And overspending can bump up your living costs - and in the worst case - could result in your loan application declined. 🚫⁣
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Here’s one possible fix...⁣
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Resist the temptation to overindulge in the festive frenzy, stick to a sensible budget, and keep your regular savings habits going strong. ⁣
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It can help you sleigh your goal of buying your first home. 🤙⁣
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Talk to us for more first home buyer tips. 👇⁣
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To find out more, DM or contact Christian from Funnd on:

☎️ – 0414 373 016
💻 – [email protected]

🏡 Investors are rolling back into the property market 🏡⁣⁣'Investment loans drive growth...' - that’s the word from the A...
03/12/2025

🏡 Investors are rolling back into the property market 🏡⁣
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'Investment loans drive growth...' - that’s the word from the Australian Bureau of Statistics, which reports a big jump in investment lending. 📈⁣
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In the June quarter alone, almost $33 billion in new investor home loans were approved, with more than 49,000 Australians borrowing to buy a rental property. 💰⁣
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So, what’s driving investors? 🤔⁣
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Three rate cuts have boosted borrowing power. ⁣
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Property prices could rise further, according to Cotality. 📊⁣
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And demand for rentals remains strong, with SQM Research saying the national vacancy rate is just 1.2%. 🏠⁣
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Talk to us about how you could use your home equity to start your investment property journey - you may not even need a cash deposit saved up.⁣
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To find out more, DM or contact Christian from Funnd on:

☎️ – 0414 373 016
💻 – [email protected]

💰 Broker support can help refinancers save 💰⁣⁣Like to secure a discount on your home loan rate? ⁣⁣Of course you would! 🙌...
01/12/2025

💰 Broker support can help refinancers save 💰⁣
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Like to secure a discount on your home loan rate? ⁣
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Of course you would! 🙌⁣
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That’s where brokers can really deliver. ⁣
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A survey by broker body MFAA shows 99% of brokers recently achieved a discount for refinancing customers. ⁣
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And when it comes to your home loan, even a small discount could really help you save on interest on your home loan repayments. 💵⁣

If you haven’t looked into refinancing since the start of the recent rate cuts, it might be time to ask yourself: why not? 🤔⁣
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Talk to us to see if you could save by switching. 👇⁣
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To find out more, DM or contact Christian from Funnd on:

☎️ – 0414 373 016
💻 – [email protected]

🏡 Bank of Mum and Dad stump up $40,000 on average 🏡⁣⁣According to Compare the Market, the Bank of Mum and Dad is gifting...
26/11/2025

🏡 Bank of Mum and Dad stump up $40,000 on average 🏡⁣
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According to Compare the Market, the Bank of Mum and Dad is gifting adult kids around $40,000 to help them buy a home. ⁣
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But big monetary gifts aren’t always the answer. 🙃⁣
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That’s because lenders want to see regular savings. ⁣
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And if parents loan rather than gift money, it could impact a first home buyer’s borrowing power. ⚖️⁣
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So instead of going straight to Mum and Dad, talk to us first. ⁣
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There’s plenty of other support available - like the 5% deposit Home Guarantee Scheme - which can help first home buyers get started with a smaller deposit. 👇⁣
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To find out more, DM or contact Christian from Funnd on:

☎️ – 0414 373 016
💻 – [email protected]

🏡 Can you buy a home with zero deposit? 🏡⁣⁣Looking for a first home, but having trouble saving a deposit, and scared off...
24/11/2025

🏡 Can you buy a home with zero deposit? 🏡⁣
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Looking for a first home, but having trouble saving a deposit, and scared off by lenders mortgage insurance? 😬⁣
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It may be possible to buy a home with zero deposit. ⁣
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But it means relying on family ties. ⁣
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If a close relative (usually a parent) guarantees the loan, it could be possible to buy with zero deposit. 🏦⁣
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The downside can be higher repayments, and the guarantor may also have to jump through several hoops too. ⁣
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And if they can't do so - rest assured there's also the government's 5% deposit scheme you can consider.⁣
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Talk to us to know how guarantor loans work, and decide if it’s the right choice for you. 👇⁣
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To find out more, DM or contact Christian from Funnd on:

☎️ – 0414 373 016
💻 – [email protected]

🤔 Where to now for home loan interest rates? 🤔⁣⁣It looks like the RBA's cash rate cut party has wrapped up for a summer ...
19/11/2025

🤔 Where to now for home loan interest rates? 🤔⁣
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It looks like the RBA's cash rate cut party has wrapped up for a summer break. 🏖️⁣
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The cash rate is currently on hold, and most of the big banks expect no further cuts until early to mid 2026. 📅⁣
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But there’s good news - plenty of lenders are still trimming their loan rates. ⁣
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According to Canstar, a competitive rate right now sits around 5.25%.⁣
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How does your home loan compare? 🧐⁣
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Instead of waiting for the RBA to make another move, take control of your rate today. 💪⁣
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Talk to us to see if you could save on interest by switching. 👇⁣
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To find out more, DM or contact Christian from Funnd on:

☎️ – 0414 373 016
💻 – [email protected]

🤔 Is it better to buy first or sell first? 🤔⁣⁣It's the age-old question. And there are pros and cons to both.⁣⁣Selling y...
17/11/2025

🤔 Is it better to buy first or sell first? 🤔⁣
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It's the age-old question. And there are pros and cons to both.⁣
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Selling your current home first frees up funds to buy your next place. 💰⁣
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But you might face rental costs (let alone seeking a short term rental) and two sets of moving fees in the meantime. ⁣
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Buying first, on the other hand, could mean taking out bridging finance. ⁣
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It’s a short-term loan that covers the mortgage on your new home until your old one sells. 🏠⁣
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There’s no right or wrong answer - it depends on your situation.⁣
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Talk to us to understand how bridging finance works and whether it could fit your goals. 👇⁣
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To find out more, DM or contact Christian from Funnd on:

☎️ – 0414 373 016
💻 – [email protected]

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Perth, WA

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