Astus Financial

Astus Financial Mortgage and Finance Tailored to Your Unique Story.

Do you know which government schemes you actually qualify for right now – or has it just been hard to find a straight an...
24/07/2026

Do you know which government schemes you actually qualify for right now – or has it just been hard to find a straight answer about what applies to your situation?

There are schemes available that let eligible buyers purchase with as little as a 5% deposit and no LMI, plus stamp duty concessions in NSW that can significantly reduce what you need upfront. Eligibility depends on your income, the property price, and timing – and the rules change more often than most people realise. Getting clarity on this early can make a real difference to how long you actually need to save.

Comment READY and we'll send through the quiz to show you exactly where you stand.

So many people assume an upgrade means starting from scratch all over again — new savings goal, new years of waiting. Fo...
23/07/2026

So many people assume an upgrade means starting from scratch all over again — new savings goal, new years of waiting. For property owners with equity, that's almost never true, and it's one of our favourite things to show clients.

There's something genuinely rewarding about watching someone realise they're far closer to their next move than they thought.

Comment UPGRADE and we'll show you what's actually possible for you.

Do you know what can trigger your lender to take another look at your application in the window between approval and set...
21/07/2026

Do you know what can trigger your lender to take another look at your application in the window between approval and settlement?

It happens more often than people expect – and it's almost always something that could have been avoided with a bit of advance notice. A new credit card, a large or unexplained deposit, a change in employment status – these things matter to a lender right up until the moment settlement completes.

We brief every single client on exactly what to keep an eye on during this period, because knowing what to avoid is the simplest way to make sure nothing gets in the way of your settlement going through smoothly.

Comment STRATEGY before you apply and we'll make sure you know what to watch for.

Have you ever looked at how you're holding your investment properties and wondered whether a different structure might b...
19/07/2026

Have you ever looked at how you're holding your investment properties and wondered whether a different structure might be doing more for you – particularly when it comes to asset protection and flexibility down the track?

A trust structure isn't the right fit for everyone, and it's not something to rush into without the right advice. But for the right client, it opens up genuine options that simply aren't available through direct ownership. This is the kind of conversation that's worth having before you make your next purchase – with your broker and your accountant in the same room, looking at the full picture together.

Comment TRUST and we'll explore whether this fits your situation.

17/07/2026

Are you a first home buyer trying to work out where to actually start – because between the deposit, the lenders, the schemes, and the paperwork, it can feel like everyone has a different answer?

These five tips cut through all of that. They're the things we wish every first home buyer knew before they started the process – the ones that save you time, money, and a lot of unnecessary stress along the way.

We've put the exact process in a quick quiz just for you. Take two minutes to find out exactly where you stand in your own journey.

Comment READY and we'll send you the link.

Have you ever wondered why some people seem to build a property portfolio in the time it takes you to save for a second ...
16/07/2026

Have you ever wondered why some people seem to build a property portfolio in the time it takes you to save for a second deposit?

It almost always comes down to how the first loan was structured from the very beginning. When your equity is tracked, your loan is set up correctly, and someone is thinking about your next move as well as your current one, your first home becomes the foundation for everything that follows – often much sooner than you'd expect.

Comment READY if you want to start this way, and we'll send you the First Home Buyer's Quiz to get you started.

Do you have a sense that your financial position could be working harder for you – but no clear idea of where to start o...
16/07/2026

Do you have a sense that your financial position could be working harder for you – but no clear idea of where to start or who to talk to about it?

That's exactly where some of our most useful conversations begin. We're here to give you an honest look at where you actually stand, what your equity or borrowing capacity looks like right now, and what options genuinely exist for you.

You might be further along than you think.

You might find there's an option you hadn't considered. Either way, you'll leave the conversation with more clarity than you came in with.

Comment STRATEGY and we'll book your complimentary session.

If you're thinking about going guarantor for a family member, did you know there's a way to structure it that limits you...
15/07/2026

If you're thinking about going guarantor for a family member, did you know there's a way to structure it that limits your exposure to a specific amount rather than leaving it open-ended?

It's called a limited guarantee, many lenders offer it, and it means you can genuinely help someone you love without putting your own financial position at unnecessary risk. It's one of those things that makes a significant difference to how the arrangement sits with you long term – and it's absolutely worth understanding before you commit to anything.

Comment STRATEGY and we'll walk you through how to do this properly.

14/07/2026

Are you a first-time buyer who's been saving, researching, and wondering when the right time to actually make a move is?

The answer looks different for everyone – and it usually comes down to a few specific things lenders look at that nobody ever explained to you upfront. We put together a two-minute quiz that gives you a honest picture of exactly where you stand and what your next step actually is.

Comment READY and we'll send it through.

Is your loan actually structured to work for you regardless of what the RBA decides on 11 August – or is it sitting in t...
12/07/2026

Is your loan actually structured to work for you regardless of what the RBA decides on 11 August – or is it sitting in the same product it's always been in, with nobody having looked at it since the last decision?

Economists are genuinely split right now. Some are calling a cut, others haven't ruled out another rise. And the honest answer is that nobody knows for certain – which is exactly why your structure matters more than the prediction.

A well-structured loan shouldn't need the RBA to go your way. The right fixed-variable split, a properly working offset, and a rate that's still competitive for your profile means you're protected either way – and that's a much more comfortable place to be heading into August than hoping the news goes in your favour.

Comment STRATEGY and we'll take a look at where your loan sits ahead of the decision.

Address

309/480 Pacific Highway
St Leonards, NSW
2065

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+61272301355

Website

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