Empire Finance Mortgage Brokers

Empire Finance Mortgage Brokers Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Empire Finance Mortgage Brokers, Mortgage brokers, Shepparton.

At Empire Finance, we provide finance solutions for all types of lending requirements servicing Australia wide including:
-Home & Investment Finance
-Business & Commercial Finance
-Asset & Equipment Finance
-Property & Land Development
-SMSF Lending

09/09/2026

$17k refund or a knock on the door from the ATO. No in-between 😂

There’s a reason a good accountant is worth their weight in gold.

It’s not just about lodging a tax return. It’s about having someone who understands your situation, knows what questions to ask, and can help you make decisions that put you in a better position long term.

Finance is no different.

You can walk into a bank, take the rate they offer and hope the loan is structured correctly. Or you can have someone in your corner who understands your goals, compares your options and helps you make informed decisions.

Buying your first home, investing, restructuring debt or planning your next move - the right advice can make a significant difference.

And if you’re self-employed, your accountant and finance broker should be working together. The decisions you make today can affect your borrowing capacity tomorrow.

Do it yourself where it makes sense. But when it comes to the big financial decisions, having the right people around you is an investment worth making.

Good accountant. Good finance broker. Good team. 🤝

Tag your accountant if they’ve ever had to clean up your mess. 😂

www.efbrokers.com.au

04/09/2026

Not financial advice - just what I actually do myself.

Every time I review my own lending, I generally look at resetting my loans back out over 30 years and reviewing whether interest-only still makes sense on my investment lending.

Why?

Because I want my minimum required repayments as low as possible.

That does not mean I suddenly start making the minimum repayment.

If I was paying $X before the refinance, I’ll generally keep paying around the same amount afterwards - even if the required repayment has dropped.

The difference is, I now have more flexibility.

Extra money can sit in offset, build up as available redraw where appropriate, or be redirected somewhere else if an opportunity comes up.

And because I’m still paying above the minimum, the intention isn’t to actually take 30 years to repay the debt.

What I’m trying to achieve is:

• Lower minimum monthly commitments
• More flexibility with cash flow
• Potentially stronger borrowing capacity next time I want to buy something
• The ability to divert money elsewhere if there’s a better use for it

The big catch?

You need discipline.

If you reset a loan over 30 years and then simply make the new minimum repayment forever, you can absolutely end up taking longer to repay the debt and paying significantly more interest.

That’s not the strategy.

For me, it’s about keeping my required commitments low while continuing to make higher repayments voluntarily.

It won’t suit everyone.

But for investors, business owners, or anyone who values having flexibility when the next opportunity comes along, it can be a very useful way to structure debt.

Anyway, that’s mortgage advice to myself after a couple of schooners 🍺

www.efbrokers.com.au

03/09/2026

Let’s break down the numbers on this one!

Not for the average Joe - but we can all wish.

If you’re thinking of buying property or want to know your options, let’s make it happen.

www.efbrokers.com.au

“I want to be completely debt free.”It’s probably one of the most common financial goals I hear.Mine is different.I want...
02/09/2026

“I want to be completely debt free.”

It’s probably one of the most common financial goals I hear.

Mine is different.

I want to eliminate debt that doesn’t help me, but I have absolutely no issue borrowing money to acquire assets that I believe will increase in value over the long term.

I’ve spent more than a decade working with people who have built significant wealth, and rarely has the strategy been overly complicated.

They bought assets.
They used leverage responsibly.
They held them.
And they gave them time.

I didn’t come from money, so my motivation may be different.

I want to build something that changes the trajectory for my family.

And for me, debt will be one of the tools I use to do it.

Borrowing to invest carries risk and won’t suit everyone.

www.efbrokers.com.au

30/08/2026

We’ve spent the last few months waiting for rates to come down. But what if they start heading the other way - like banks are now predicting?

A rate rise doesn’t just mean higher repayments.

It can also reduce your borrowing capacity, potentially making a difference if you’re planning to buy, invest or upgrade.

And if you’re already paying more than you need to on your current home loan, another increase only makes that worse.

Now is the time to review your lending, not after rates move.

Want me to take a look?

Send me “REVIEW” and I’ll run through it with you.

www.efbrokers.com.au

18 months in business.Yesterday in Sydney as a finalist for Regional Broker of the Year, surrounded by some of the absol...
28/08/2026

18 months in business.

Yesterday in Sydney as a finalist for Regional Broker of the Year, surrounded by some of the absolute best in the business.

Didn’t take home the trophy, but regional Australia is a bloody big place! Pretty cool to be in a room with people I look up to in this game.

Big thanks to all my clients and community for the ongoing support.

www.efbrokers.com.au

26/08/2026

Unpopular opinion: resetting your home loan over a new 30-year term isn’t always a bad thing. 👇

A 30-year loan term doesn’t mean you have to take 30 years to repay it.

Here are 3 reasons it can actually make sense:

1️⃣ It can increase your borrowing capacity
Resetting the term can reduce your minimum monthly repayments, which may improve borrowing capacity when you’re looking to purchase your next property.

Lower minimum repayments don’t mean you have to pay less, you can still make additional repayments and potentially use an offset or redraw.

2️⃣ It gives you breathing room when you need it
I’d rather have a lower minimum repayment and choose to pay more than be locked into a higher repayment every month.

If life changes, reduced income, parental leave, unexpected expenses or simply a tougher period - you’ve created some breathing room.

3️⃣ It gives YOU control over your cash flow
Personally, I prefer having flexibility.

If I’ve got an extra $1,000 available each month, I can put it into my offset, pay down the loan, invest it, put it towards another property or use it elsewhere.

The important part is I get to choose where that money goes.

A 30-year loan term doesn’t have to mean a 30-year repayment strategy.

Used properly, it can simply give you more flexibility, more control and a lower minimum commitment.

Of course, if you only make the minimum repayment, extending your loan term can mean paying more interest over time, which is why the strategy matters.

www.efbrokers.com.au

Just someone in your corner managing the process, keeping you updated and getting it done.That’s what working with a goo...
25/08/2026

Just someone in your corner managing the process, keeping you updated and getting it done.

That’s what working with a good mortgage broker should feel like.

Finance can be complicated if you try do it all yourself. The experience doesn’t have to be.

www.efbrokers.com.au

Address

Shepparton, VIC
3630

Telephone

+61438513157

Website

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