Feel Good Financial Services

Feel Good Financial Services Ellen Thornthwaite - Director and Mortgage Broker at Feel Good Financial Services - helping my clients buy their ✨dream homes✨ since 2016.

Book a call: https://calendly.com/ellen-fgfs/introduction Feel Good FS Pty Ltd trading as Feel Good Financial Services holds Credit Representative Number 543502 under Australian Credit Licence 387856 is a member of an external dispute resolution scheme. Details of our complaint resolution process can be found in our Credit Guide on request. All information contained on this site is general information only, and does not take into account your particular financial situation or needs.

23/03/2026

Open Homes can be exciting, but they can also be a fast way to fall in love with a property that doesn't actually fit your situation.

The best buyers do a bit of groundwork first. Understanding your budget, your timeline and what matters most for your lifestyle and future plans.

Once those pieces are clear, the decision making becomes a lot easier and a lot less emotional.

Which usually leads to better choices in the long run.

22/03/2026

Most people think budgeting means cutting out everything fun.

But real adulting is just choosing what actually matters to you.

Maybe that means making coffee at home most days so you can enjoy a proper brunch with your friends once a month.

Maybe it's skipping a few impulse buys so you can build up your safety buffer.

Your fun-stuff spending probably takes up a bigger chunk of your budget than you realise.

The trick isn't becoming a hermit. It's simply deciding what you value most, and spending intentionally.

Property is a long-term commitment.Markets rise, stall, and sometimes fall.If your plan only works when prices rise quic...
19/03/2026

Property is a long-term commitment.

Markets rise, stall, and sometimes fall.

If your plan only works when prices rise quickly, it's not really a plan.

17/03/2026

One thing my clients hear me say on repeat.. "just because you can, doesn't mean you should"!

Just because the bank says you can borrow a million dollars, doesn't mean you should.

Just because you can buy a 5 bed mcmansion, doesn't mean you should.

Just because you can access your equity for a holiday, doesn't mean you should.

You get my drift?

Sometimes it's obvious, and sometimes it's more subtle.

It's easy to get distracted by shiny things, or well-meaning advice from friends, family or strangers.

But at the heart of your strategy should be your goals and your values, and they are so unique to you.

Know what you want, and seek advice and guidance from a professional with experience.

After a decade of calling this place my home, I'm in the process of selling to upgrade to our dream farm.We built to the...
15/03/2026

After a decade of calling this place my home, I'm in the process of selling to upgrade to our dream farm.

We built to the budget we had in our 20s, and it's provided for us in more ways than one.

It was never perfect, but it was perfect for that stage of our lives.

If we'd waited to be able to afford perfect the first time, we'd be in a totally different financial position.

The scary part is, with a median house price over $1M in NSW, and average growth at 5% p.a, every year you stay out of the market can cost you more than what you can save in that time.

Having your foot in the market gives you freedom to breathe, plan ahead, and get your next step ready.

First home buyers are often the ones asking me when is the best time to buy?And truthfully the answer has nothing to do ...
14/03/2026

First home buyers are often the ones asking me when is the best time to buy?

And truthfully the answer has nothing to do with markets, or seasons.

It's about the opportunity cost of not being in the market already.

Waiting too long can cost you more than jumping in too early.

We're not rushing into something you're not ready for, but doing nothing comes at a cost.

Make a realistic plan, and follow through.

Future you will thank you 🙏

12/03/2026

"Just because you can, doesn't mean you should" - put it on my tombstone 🪦

It's easy to get distracted by possibilities, and that's why it's so important to know what you want, why you want it, and how it aligns with your values and goals.

12/03/2026

One of the biggest mistakes first home buyers make is jumping straight into property searches before they've actually worked out their motivation.

Your reason for buying matters more than you think.

It influences your budget, your timeline, the type of property you choose, and the strategy behind it all.

When the WHY is clear, the decisions that follow become a lot easier.

And that's usually where the best home buying plans start.

12/03/2026

The question I hear all the time: When is the best time to buy?

The answer is almost always.. as soon as you comfortably can.

There is no point in trying to time the market, hang around for the right season, or wait for a "buyers' market".

Waiting longer than you have to can cost you dearly.

We're not rushing into something you're not ready for, but doing nothing has a price too.

Be realistic. Make a plan. Follow through.

Your future self will thank you.

"The best time to plant a tree was 20 years ago. The second best time is now" 🌳

This advice usually pops up when I'm speaking with my first home buyer clients, but it's actually great life advice for ...
09/03/2026

This advice usually pops up when I'm speaking with my first home buyer clients, but it's actually great life advice for any stage.

First home buyers, second home buyers, investors..

It's too easy to get distracted by the maximums, by the possibilities, by the well-meaning advice from people that don't know your details.

When you know what your goals are, you know what your values are, you're already writing the guidebook for your life.

All we need to do is create the strategy to get you there.

02/03/2026

What nobody tells you about buying your first home - it's not forever! It's a stepping stone, to your next era.

Your home should be a safe space for you to learn and grow, and build your future.

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St Georges Basin, NSW

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