Oui Finance

Oui Finance [“We”]
Specialising in Construction & Established Home Loans. ACL389328 CRN537796

Your credit score can take a hit from things you’d never expect. And most people only find out when they’re sitting acro...
24/06/2026

Your credit score can take a hit from things you’d never expect. And most people only find out when they’re sitting across from a bank. 📉

Swipe through the 4 most common silent credit killers →

The good news: all of these are fixable. And most of them are preventable with a bit of lead time.

If you’re planning to apply for a home loan in the next 6-12 months, read every slide.

Save this - and send it to anyone who’s thinking about buying. 💾

23/06/2026

Most people make repayments every month without actually understanding what they're paying. Here's how it works. 💰

Your home loan interest is calculated DAILY - not monthly.

The formula is simple:
Loan balance × annual interest rate ÷ 365 = daily interest charge

Example:
$500,000 loan at 6.2% interest rate
= $500,000 × 0.062 ÷ 365
= $84.93 per day in interest

That's $2,548 per month in interest alone - before any of your repayment actually reduces the loan.

Now here's why this matters:

→ EVERY dollar in your offset account reduces that daily calculation
→ Making extra repayments, even small ones, cuts the interest before it compounds
→ Even paying fortnightly instead of monthly can save thousands over the life of a loan

You're not just paying off a debt. You're racing against daily interest. Knowing this changes how you approach every repayment decision.

Save this. Show someone who has a mortgage. This is the thing schools skipped. 💾

Perth’s median house price has increased more than any other capital city in Australia over the past 12 months.Let that ...
21/06/2026

Perth’s median house price has increased more than any other capital city in Australia over the past 12 months.
Let that sink in.
While Sydney and Melbourne have been correcting, Perth has been quietly delivering some of the strongest property
price growth in the country.
What this means for buyers:
→ The window for buying at today’s prices is getting shorter
→ First home buyers who were “waiting to see what happens” are now paying more than they would have 12 months
ago
→ The rental market is still tight - which means the rent vs buy calculation is shifting
What this means for owners:
→ Equity positions have improved significantly
→ Refinancing conversations are worth having again
→ If you bought in the last 2-3 years - you’re likely sitting on meaningful gains
Perth is not Sydney. The growth story here is different. But it’s real.
Have questions about what this means for your situation? Drop them below.

Two banks said no. We found a yes.We can’t share names, but we can share the story - because it’s one we see versions of...
21/06/2026

Two banks said no. We found a yes.

We can’t share names, but we can share the story - because it’s one we see versions of more often than you’d think.

Swipe through →
The short version: a ‘no’ from a bank is not a verdict on your future. It’s a verdict on how that particular lender looks at your file right now.
Different lenders have different policies. Different appetites for different employment types, income structures, credit histories.
That’s the entire reason brokers exist.
If you’ve been told no, or you’re worried you might be - DM us before you give up. There’s almost always more to explore.

𝗧𝘄𝗼 𝗯𝗮𝗻𝗸𝘀 𝘀𝗮𝗶𝗱 𝗻𝗼. 𝗪𝗲 𝗳𝗼𝘂𝗻𝗱 𝗮 𝘆𝗲𝘀. 🗝I can't share names, but I can share the story - because it's one I see versions of ...
19/06/2026

𝗧𝘄𝗼 𝗯𝗮𝗻𝗸𝘀 𝘀𝗮𝗶𝗱 𝗻𝗼. 𝗪𝗲 𝗳𝗼𝘂𝗻𝗱 𝗮 𝘆𝗲𝘀. 🗝

I can't share names, but I can share the story - because it's one I see versions of more often than you'd think.

Swipe through →

The short version: a 'no' from a bank is not a verdict on your future. It's a verdict on how that particular lender looks at your file right now.

Different lenders have different policies. Different appetites for different employment types, income structures, credit histories.

That's the entire reason brokers exist.

If you've been told no, or you're worried you might be - DM us before you give up. There's almost always more to explore.

18/06/2026

And right now - we need to be honest about a few things we're seeing in the market.

Not all lenders are equal. And the cheapest advertised rate is not always the cheapest loan.

Some things we've noticed lately:

→ Certain lenders have been slow on processing times - which is costing buyers properties in competitive Perth conditions
→ Some of the most aggressively marketed rates come with restrictive exit conditions and high break costs
→ A handful of lenders have tightened self-employed and casual income policies without making it obvious

A good broker's job is to know this - and factor it into every recommendation.

We will never put a client with a lender because it pays me a better commission. Full stop.

That's what independence means. That's what Oui is built on.

If you want a genuinely unbiased recommendation - DM us. That's the whole point.

If you're buying your first home in WA, there is free government money on the table. And a lot of people are missing it....
17/06/2026

If you're buying your first home in WA, there is free government money on the table. And a lot of people are missing it. 🏡

The WA First Home Owner Grant (FHOG) can put up to $10,000 back in your pocket - but only if you know how to qualify.

Swipe through for the full eligibility checklist →

The grant applies to new builds only in WA right now which changes the strategy for a lot of buyers.

Want to check if you qualify and how to structure your purchase to access it?

DM us "GRANT" and we'll walk you through it.

16/06/2026

Offset account vs redraw - two features that sound the same but work very differently. 💸

Most home owners have one or both on their loan and have no idea how to use them properly.

Here's the breakdown:

OFFSET ACCOUNT
→ Sits beside your loan as a separate account
→ Every dollar in it reduces the interest you're charged daily
→ The money is accessible whenever you want
→ Counts as liquid savings for tax purposes (important for investors)

REDRAW FACILITY
→ Extra repayments you make on the loan itself
→ Reduces your loan balance directly
→ You can redraw them - but it's not always instant or unlimited
→ Technically belongs to the loan, not you

Which saves more? In theory they're similar. In practice, offset wins for most people because of flexibility, tax, and accessibility.

But here's the thing - not every loan comes with a free offset account. Some lenders charge fees for it.

Save this and check your loan docs tonight.

Questions? Drop them below. 👇

Address

431 Roberts Road
Subiaco, WA
6008

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

Alerts

Be the first to know and let us send you an email when Oui Finance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Oui Finance:

Shortcuts

Share

Category