Nine Ten Finance

Nine Ten Finance We make it happen. www.nineten.com.au Nine Ten Finance is a mortgage broker based in Castle Hill.

Whether you are a first home buyer, upgrading to your next home or interested in property investment - you can be confident that we will help you achieve your financial goals. We offer a range of financial services including mortgage broking and home loans, personal loans, commercial loans, car loans, motorbike loans, construction loans, personal loans, refinance, investment loans and more. We ser

vice across all regions including Castle Hill, Pendle Hill, Baulkham Hills, Bella Vista, Kellyville, Seven Hills, Lalor Park, Prospect, Kings Langley, Marayong, Doonside, Bungarribee, Girraween, Blacktown, Marsden Park, Schofields and more.

03/09/2026

Thinking of buying a home but still have a HECS debt? 🎓🏡

It’s important to know how your student loans affect your mortgage application. Even with a solid $100,000 salary, your mandatory HECS repayments (which sit at around $4,571 a year) directly impact your net disposable income.

When banks calculate how much they are willing to lend you, they factor in these mandatory payments. Ultimately, this single debt could reduce your total borrowing power by up to $50,000!

Don't let it catch you off guard. Always speak to a mortgage broker to understand exactly where you stand and what you can afford before applying for a loan.

02/09/2026

🏡 Offset or investment property — where should your extra money go?

$100,000 in an offset at 6% could save around $6,000 in interest in the first year.
But using some of that money towards a $500,000 investment property means you're potentially getting growth on a much larger asset — that's the power of leverage.

There are risks and costs, and property growth isn't guaranteed. That's why keeping a healthy cash buffer while investing your surplus can be a strategy worth considering.
Sometimes the answer isn't one or the other — it can be both.

The best compliment? A client coming back again. 🙏🏡Property investing is not just about buying a property — it’s about f...
31/08/2026

The best compliment? A client coming back again. 🙏🏡

Property investing is not just about buying a property — it’s about finding the right opportunity, structuring the finance correctly and having a clear plan for the future.
We’re grateful to have helped this returning client with another investment property, from finding the right property through to securing the finance and getting it across the line.
Thank you for continuing to trust our team with your property journey. Onwards and upwards! 📈

30/08/2026

Don't let your 30-year mortgage drain your bank account! 🛑 In the first 15 years, most of your monthly payment goes straight to interest, meaning you could easily end up paying for your house twice over.

Here’s the ultimate cheat code: **Add an extra $500 directly to your principal every month.** 💡

By doing this simple trick, you can:
📉 Shave 8 years off your loan
💰 Save over $145,000 in interest
🏢 Stop funding the banks and keep your wealth!

Save this tip for when you're ready to buy your home! 📌

ROI: Return on Icing. 🍩 We made sure their deal got over the line, and they made sure the Nine Ten Finance team was well...
27/08/2026

ROI: Return on Icing. 🍩 We made sure their deal got over the line, and they made sure the Nine Ten Finance team was well-fed. Now that’s what we call a perfectly balanced sheet!

26/08/2026

🏡 Accessing equity? What you do with the money matters.

Just because the equity comes from an investment property doesn't automatically mean the interest is tax deductible.

The purpose of the borrowing and how the loan is structured can make a significant difference.

Before accessing equity, get the structure right and speak to your accountant about the tax implications.

Our Director, Mr. Denjola Bhutia, has just released a brand new book: Finance to Freedom. If you want to step into an in...
25/08/2026

Our Director, Mr. Denjola Bhutia, has just released a brand new book: Finance to Freedom. If you want to step into an incredible narrative crafted by one of our own, this is your chance. It’s officially out in the wild and available for purchase right now on Amazon!

Grab your copy today, tag us in your reading setups, and let us know what you think! 📖✨

🔗 Link to get your copy!
https://www.amazon.com.au/dp/B0H8XYF783?spcref=PRINT_LISTING

23/08/2026

Buying a home might feel out of reach, but when you break the math down, it’s closer than you think! 🏡✨

By simply putting away $154 a week each, you and your partner can save over $24,000 in just 1.5 years. For many first-time buyers, that’s enough for a 5% deposit on a $500,000 property! Consistency is the secret to hitting your big financial goals.

Tag your savings partner below and start planning your dream home today! 👇💸

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21/08/2026

With Nine Ten Finance:
✨ Fast approvals
✨ Competitive rates
✨ Actual sleep 😌

Without NineTen Finance:
🤯 47 open tabs at 2 AM
📞 Endless bank hold music
💬 Group chat financial advice 😵💫


Let us handle the lenders while you plan the housewarming party. 🏡🔑

Comment 'HOME' or tap the link in bio to get started!

19/08/2026

Debt recycling sounds complicated... but it's actually a simple strategy that could help you build wealth more efficiently.

If you've never heard of it before, this 45-second video is a great place to start.

Address

G02/140 Best Road
Seven Hills, NSW
2147

Opening Hours

Monday 8:30am - 6pm
Tuesday 8:30am - 6pm
Wednesday 8:30am - 6pm
Thursday 8:30am - 6pm
Friday 8:30am - 6pm
Saturday 9am - 4pm

Telephone

+61280802113

Website

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