Ozpal Finance

Ozpal Finance 20+ years of collective experience in the banking industry across multiple sectors, we bring a wealth of knowledge and insight to the table.

Our deep understanding of how financial institutions operate allows us to offer personalised mortgage solutions At Ozpal Finance, we are committed to helping you navigate the world of mortgages with confidence and ease. With over 20 years of collective experience in the banking industry across multiple sectors, we bring a wealth of knowledge and insight to the table. Our deep understanding of how

financial institutions operate allows us to offer you personalised mortgage solutions that are designed to meet your unique needs. Whether you're a first-time homebuyer, refinancing your existing mortgage, or looking for investment property opportunities, Ozpal Finance is here to help you secure the best mortgage terms possible.

03/06/2026

📈 IS RENT SET TO RISE NEXT? 🤔

With vacancy rates sitting at historic lows and housing supply feeling the squeeze, it’s the question on every renter’s and investor's mind.

Here is what our Senior Mortgage Partner/Director, Jesh Sapkota, has to say about what may be coming:

💬 "When it comes to government policy reforms and broader market shifts, there are elements that are entirely beyond our control. But you shouldn't focus on the noise. What you CAN control is how you position yourself today for what’s coming tomorrow."

If the market shifts, sitting on the sidelines isn't a strategy. Positioning yourself means:
✅ Reviewing your current financial setup.
✅ Knowing your true borrowing capacity.
✅ Exploring whether transitioning from renting to buying—or expanding your investment portfolio—is the right move for you right now.

Don't wait for the market to make the rules for you.

👉 Want to build your personalized market strategy? DM us with a message "RENT" or book a quick strategy session with Jesh and the team today!



Young people trying to crack into the property market have had it tough for years, and the recent Federal Budget may hav...
01/06/2026

Young people trying to crack into the property market have had it tough for years, and the recent Federal Budget may have changed that. If you are a first home buyer, we'd love to help you.
DM me for more Jesh Sapkota

28/05/2026

💸 Have you ever noticed your money doesn't go as far as it used to?

That grocery run that cost you $100 a few years ago may now cost $140 or more. Your coffee, your rent, your fuel — all creeping upward.

This could be inflation quietly doing its work.

📉 Inflation tends to weaken the purchasing power of money over time. In simple terms — the same $100 may buy you less and less each year.

Think of it this way:
💰 Money sitting idle in a savings account may actually be losing real value — even if the number stays the same.

🏠 Meanwhile, assets like property or shares have historically tended to rise alongside inflation — though this is not always guaranteed.

Understanding how inflation works could be one of the most important steps in understanding own financial world.

💡 This is general information only and does not constitute financial advice. Consider speaking with a qualified financial adviser about your personal situation.




26/05/2026

What is one of the most tax advantaged property Investments in Australia?

Lets hear it from our Director Amit Aryal.







24/05/2026

The 5 % Deposit Scheme just became far more powerful

24/05/2026

First Home Buyers, this is your chance. Don't miss out on this window of opportunity?

🏡 FIRST HOME BUYERS — YOUR WINDOW IS NOW OPEN. HERE'S WHAT YOU NEED TO KNOW.
The 2026 Federal Budget just handed first home buyers one of the biggest opportunities we've seen in a decade — and most people haven't even noticed yet.
Here's what changed (and why it matters to YOU):
✅ Negative gearing restricted from July 2027 — investors can no longer claim losses on established homes against their income. That means less competition for the properties YOU'RE trying to buy.
✅ CGT concessions overhauled — the 50% capital gains discount is gone, replaced with inflation-adjusted indexation. Investors chasing quick flips on existing stock? They'll think twice.
✅ 5% Deposit Scheme still going strong — buy with just a 5% deposit and no Lenders Mortgage Insurance (LMI). Income caps have also been lifted, so more buyers now qualify.
✅ Help to Buy scheme — the government co-purchases with you, reducing what you need to borrow. A genuine leg up for those who've been priced out.
✅ Foreign buyer ban extended — overseas investors can't buy existing homes, which takes even more pressure off the market.
So why act NOW?
Because the window between policy announced and investors adjusting is short. Right now, you're entering a market where the rules are changing in your favour — but supply is still tight and prices haven't fully adjusted yet.
Economists are forecasting prices on established stock to soften over the coming years. Interest rates are near their peak. Investor competition on existing homes is set to ease. That combination doesn't come around often.
🔑 The dream of owning your own home just got more achievable. But like all windows of opportunity — it won't stay open forever.
💬 DM us a message "WINDOW"— we'd love to help you figure out if NOW is your time to buy.



To find out more reach out to Jesh @
Ozpal Finance : 0426 631 050

22/05/2026

These Rate cycles are normal?

Interest rates are part of the economy. They go up and they come down and they go up again.

Many investors are waiting on the sidelines because of rising interest rates but smart property investing is about long-term strategy, not short-term fear.

✅ Property values move in cycles
✅ Rent returns are increasing in many areas
✅ The right structure and loan strategy can still make investing achievable

The key is understanding your borrowing capacity, cash flow, and choosing the right investment approach for your goals.

Opportunities still exist for investors who are prepared and well-advised. 💡

If you’re thinking about expanding your portfolio, now is the time to review your options and create a plan that works for today’s market.

Discover more with Jesh Sapkota @ OZPAL FINANCE : 0426 631 050

22/05/2026

Many investors are waiting on the sidelines because of rising interest rates, but smart property investing is about long-term strategy, not short-term fear.

✅ Property values move in cycles
✅ Rent returns are increasing in many areas
✅ The right structure and loan strategy can still make investing achievable

The key is understanding your borrowing capacity, cash flow, and choosing the right investment approach for your goals.

Opportunities still exist for investors who are prepared and well-advised. 💡

If you’re thinking about expanding your portfolio, now is the time to review your options and create a plan that works for today’s market.

19/05/2026

🏡 Big changes are impacting Australian lending and property space!

The latest Government updates can feel overwhelming — but you don't have to figure it out alone.

Whether you're buying, investing, or just trying to understand what it all means for you, we're here to help you make sense of it and move forward with confidence.

📩 Reach out anytime — we'd love to chat!

Amit : 0450 924 128
Jesh : 0426 631 050
Ribesh : 0432 663 384






Please note: This is just a general information and not a financial advise. We encourage you to seek advise for your unique financial situation with a licensed adviser.

Address

26 Springfield Lakes Boulevard
Springfield Lakes, QLD
4300

Telephone

+61426631050

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