Bos Financial Services

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Bos Financial Services We come to you at a time and place of convenience, if you have a personal or business finance need g Thanks for visiting this page! Best wishes
Lee

I offer a complete mobile solution for your home, car, asset and personal loan needs. First home buyers, additional property purchases or refinances are just some of the scenarios I can help you with. I will make it happen with a friendly and convenient service. My mobile service makes it easy to complete and submit an application after just one appointment at your desired location. You deal with me during the loan process and after settlement, giving you direct access to my service for your future needs. I really am only a phone call away. Feel free to contact me with any questions or queries you may have - no matter how big or small. Ask me about complimentary RP Data property research reports, available to pre-approved and existing clients.

If you’re thinking long-term about property, the time to get ready is before the market turns, not once everyone else fe...
29/09/2026

If you’re thinking long-term about property, the time to get ready is before the market turns, not once everyone else feels confident.

Property is a ten-year decision, not a ten-week one. The buyers who do well aren’t the ones who time the market perfectly, they’re the ones who were already lined up when the moment came.

Think of it as getting four ducks in a row:

1. Market uncertainty: understand what’s happening and how it may affect your plans.

2. Inflation under control: changing economic conditions can influence borrowing costs and affordability.

3. Sentiment shifting, when confidence starts returning, competition can follow quickly.

4. Consider buying now, if your finances, goals and strategy are aligned, waiting for certainty may mean the opportunity has already moved.

You don’t need to predict the market perfectly. You do need to know your position, understand your options and be ready to act when the right opportunity appears.

Book a discovery call with BOS Financial Services to discuss your next move.

Waiting for your current property to sell shouldn’t automatically put your next move on hold.For self-employed Australia...
18/08/2026

Waiting for your current property to sell shouldn’t automatically put your next move on hold.

For self-employed Australians and business owners with non-standard or variable income, traditional lending assessments may not always reflect the full picture. A bridging loan could provide a pathway to buy your next home before selling your existing property.

Some bridging solutions assess your ability to service the end debt once your current property is sold, rather than focusing only on the temporary peak debt during the transition. This may give eligible borrowers greater flexibility while they manage the timing of their move.

Every situation is different, including your business structure, income history, existing lending and property values.

Contact BOS Financial Services for a bridging strategy session and let’s explore whether a buy-before-you-sell strategy could work for you.

Lending criteria, fees and conditions apply. This is general information only and not personal financial advice.

Struggling to find the right property in today’s competitive market?At BOS Financial Services, we are committed to solvi...
23/07/2026

Struggling to find the right property in today’s competitive market?

At BOS Financial Services, we are committed to solving your finance problems and improving your property journey. To further support our clients, we can introduce you to an expert external buyer's agent service.

Important Note: This is a specialised external service partnership and is not a service provided directly by BOS Financial Services.

FOR A LIMITED TIME: available until the end of August: our referred clients can access this premium service for just $4,000 + GST. This is a significant saving compared to the standard rates of $12,000+.

The transparent PRICING STRUCTURE for this referral offer is:
- Initial Consultation: Free
- Strategy Session & Retainer: $500 + GST
- Signed Contract of Sale: $3,500 + GST success payment

If you have been stuck in the search phase or keep missing out at auction, this external service provides the professional representation you need to secure your next home or investment.

Ready to get started? Book a discovery call today to discuss your goals and how we can provide the referral.

Schedule here: https://calendly.com/bosfs

Ever found your dream home but haven't sold your current one yet? 🏡💨 The thought of moving twice: once into a rental and...
06/07/2026

Ever found your dream home but haven't sold your current one yet? 🏡💨

The thought of moving twice: once into a rental and then again into your new place: is enough to make anyone's head spin. 🤯

With a bridging loan from BOS Financial Services, you could buy before you sell. This means:
âś… You stay in your current home while you sell it.
âś… You only move ONCE.
âś… Reduce the pressure for a quick 'fire-sale' price.
âś… Interest can often be capitalised (meaning zero monthly repayments during the sale period).

Stop stressing about the logistics and start focusing on your new keys. 🔑

Ready to secure your next move without the double-hassle?

Ever heard of the Help to Buy Scheme? It’s a shared equity initiative where the government can contribute up to 30% for ...
05/07/2026

Ever heard of the Help to Buy Scheme? It’s a shared equity initiative where the government can contribute up to 30% for an existing home or 40% for a new home purchase in exchange for an equity share.

Here are the quick facts to keep on your radar:

- You only need a minimum 2% deposit.
- Income limits apply: $100,000 for individuals or $160,000 for joint applicants/single parents.
- Open to Australian citizens only.
- Limited to 10,000 places per year.
- Currently available through participating lenders.

Important note: While we want to make sure you're aware of all the options in the market, BOS Financial Services cannot currently (at time of post) assist with this specific government scheme directly.

However, if you are looking for expert help with bridging loans, first home buyer super saver schemes, or general debt restructuring to improve your cashflow, that is exactly what we do best!

Reach out to the team today to discuss your finance goals.

Stop waiting years to save a 20% deposit.The Australian Government’s First Home Guarantee (the 5% Deposit Scheme) makes ...
04/07/2026

Stop waiting years to save a 20% deposit.

The Australian Government’s First Home Guarantee (the 5% Deposit Scheme) makes getting into the property market much more achievable. If you're an Australian citizen or permanent resident, you could buy your first home with as little as a 5% deposit and pay ZERO Lenders Mortgage Insurance (LMI).

Why this is a game-changer right now:

- No LMI: This can save you tens of thousands of dollars upfront.
- Higher Price Caps: Buy up to $1.5M in Sydney, $950K in Melbourne, or $1M in Brisbane.
- No Income Caps: Since October 2025, more people are eligible than ever before.
- Unlimited Places: No more racing against a quota.

At BOS Financial Services, we help you navigate the eligibility rules and find the right participating lender to get your application moving. Whether you’re an individual, a couple, or a permanent resident, we’ll help you bridge the gap between your savings and your front door.

Ready to see if you qualify? Send us a message or visit www.bosfs.com.au to get started.

Are you 60+ and looking to unlock the wealth tied up in your home?A reverse mortgage could be the key to a more comforta...
03/07/2026

Are you 60+ and looking to unlock the wealth tied up in your home?

A reverse mortgage could be the key to a more comfortable retirement. Whether you need a lump sum for renovations or a regular income stream to boost your lifestyle, you can access your home equity without the pressure of regular repayments. The loan is simply repaid when you eventually sell or vacate the property.

The best part? You have a guaranteed right to live in your home for as long as you choose, and there is a 'no negative equity' guarantee for total peace of mind.

For those who want to manage compounding interest, you can also pay some or all of the interest monthly.

At BOS Financial Services, we specialise in helping retirees tap into their home’s value to improve cashflow and reduce financial stress.

Reach out today for a chat about how we can help you make the most of your hard-earned equity.

Struggling to build that first home deposit? The First Home Super Saver Scheme (FHSSS) might be the game-changer you’ve ...
02/07/2026

Struggling to build that first home deposit? The First Home Super Saver Scheme (FHSSS) might be the game-changer you’ve been looking for.

By making voluntary contributions to your super, you can save faster thanks to concessional tax treatment. Essentially, you're taxed at a lower rate on those savings, meaning more money stays in your pocket for your deposit.

The key highlights:
- Contribute up to $15,000 per financial year.
- Total limit of $50,000 across all years.
- Withdraw your contributions plus earnings when you’re ready to buy.

To be eligible, you generally need to be 18 or older, have made eligible voluntary contributions into your super, have never owned property in Australia, and intend to live in the home.

At BOS Financial Services, we’re here to help you understand how these schemes work alongside your home loan application. We look at the big picture to ensure your path to homeownership is as smooth as possible.

Ready to stop renting and start owning? Reach out to the team at BOS today and let’s get your strategy started.

🚨 SMSF borrowing changes are coming early August 2026.The clock is ticking on BORROWING to buy RESIDENTIAL INVESTMENT p...
02/07/2026

🚨 SMSF borrowing changes are coming early August 2026.

The clock is ticking on BORROWING to buy RESIDENTIAL INVESTMENT property in your SMSF.

Here's what you need to know:

✅ You can still buy residential property in your SMSF without a loan – you may need to pool funds with others to buy sooner, but it can be done.
✅ BUT if you want to BORROW within your SMSF to purchase residential property – the time to act is NOW.

⏰ Don't wait. Determine your borrowing capacity today. Contracts need to be signed before 10 August 2026.

Being a single parent or legal guardian is a full-time job, and saving for a massive home deposit on top of that can fee...
01/07/2026

Being a single parent or legal guardian is a full-time job, and saving for a massive home deposit on top of that can feel impossible.

But did you know you could step into your own home with as little as a 2% deposit? 🏠

Under the Family Home Guarantee, the government acts as a guarantor for up to 18% of the property value. This means you can avoid the high cost of Lenders Mortgage Insurance (LMI) and get into the market much sooner.

Here’s the best part:
✅ You don’t have to be a first home buyer (you can be a previous owner looking to get back in).
âś… There are no income caps.
âś… Unlimited places are available.

As your broker, I’m here to help you navigate the paperwork and find the right lender to make this happen. Whether you’re looking to provide a permanent base for your kids or stop the rent cycle, let’s see if we can get you moving.

Reach out today for a chat!

www.bosfs.com.au

Address

P. O. Box 900
Picton, NSW
2571

Opening Hours

Monday 8:15am - 8pm
Tuesday 8:15am - 8pm
Wednesday 8:45am - 3pm
Thursday 8:45am - 3pm
Friday 11am - 3:30pm
Saturday 9am - 12:30pm

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