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Shea Harms Finance Broker - Harmsway Finance

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Shea Harms Finance Broker - Harmsway Finance

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Boutique mortgage and finance broking with personalised lending solutions, clear guidance and tailored strategy — keeping your finances out of harm’s way.
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02/11/2026

🏡 Think you couldn't save by refinancing? Think again 🏡⁣
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Over 1-in-3 mortgage holders believe they wouldn’t save anything by refinancing, according to Finder. ⁣
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But it's worth double checking - and we can do most of the legwork.⁣
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Even a 0.5% rate reduction on a $500,000 loan could save around $150 each month. ⁣
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That may add up to $54,000 over the life of a 30-year loan. 🏡⁣
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Talk to us to know how much you could save by switching to a lower rate loan. 👇⁣
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To find out more, DM us or contact Shea Harms from Harmsway Finance on:

☎️ – 0400 513 075
💻 – [email protected]

30/10/2026

🩺 What happens in a home loan health check? 🩺⁣⁣
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First, we check the pulse of your loan: does it still meet your needs? ⁣⁣
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Next, we look at vitals like the interest rate and loan features. ⁣⁣
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Then we scope the market to see if you could secure a lower interest rate or save money on fees. ⁣⁣
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DM us to arrange a home loan health check. 👇⁣⁣
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To find out more, DM us or contact Shea Harms from Harmsway Finance on:

☎️ – 0400 513 075
💻 – [email protected]

28/10/2026

💪 Two-thirds of home loan borrowers focus on paying down debt 💪⁣
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A survey by Agile Market Intelligence shows 65% of home loan borrowers are currently focusing on paying down their mortgage sooner. 🙌⁣
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Even small extra repayments can make a considerable difference over the long run when it comes to paying less interest and reducing your home loan term. ⁣
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Talk to us for strategies that could potentially help you clear the home loan slate sooner. 👇⁣
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To find out more, DM us or contact Shea Harms from Harmsway Finance on:

☎️ – 0400 513 075
💻 – [email protected]

26/10/2026

🩺 What happens in a home loan health check? 🩺⁣
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First, we check the pulse of your loan: does it still meet your needs? 💡⁣
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Next, we look at vitals like the interest rate and loan features. 📊⁣
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Then we scope the market to see if you could secure a lower interest rate or save money on fees. 💰⁣
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It’s all about having the home loan that helps keep you in great financial shape. 🏡⁣
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Call today to arrange a home loan health check. 👇⁣
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To find out more, DM us or contact Shea Harms from Harmsway Finance on:

☎️ – 0400 513 075
💻 – [email protected]

25/10/2026

A little out-of-office update! ☀️🌴

I’ll be heading away from 30th October and returning to work on 9th November.

I’ll be keeping an eye on emails while I’m away, but access will be limited, so replies may take a little longer than usual.

Thank you for your patience and support! 😊

23/10/2026

🙌 The strategy 300,000+ first home buyers have used 🙌⁣⁣
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With the 5% Deposit Scheme, you can buy your first home with as little as a 5% deposit. ⁣⁣
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The federal government guarantees your loan. Which means no lenders mortgage insurance is needed - a big saving! ⁣⁣
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DM us to find out if you’re eligible. 👇⁣⁣
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To find out more, DM us or contact Shea Harms from Harmsway Finance on:

☎️ – 0400 513 075
💻 – [email protected]

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* Housing Australia statistics

21/10/2026

🏡 What's the ideal age to move out and buy your own home? 🏡⁣
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Research by Finder shows most Australians believe that by age 31 it’s well and truly time to fly the nest.⁣
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That’s not far off age 33 - the average age for first homebuyers (CommBank data). 🙌⁣
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Living with mum and dad throughout your 20s can have its advantages though, such as saving up more for a first home deposit.⁣
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And there are even federal government schemes, such as the First Home Super Saver Scheme, that can help boost those savings.⁣
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Contact us about pathways to buying your first home. 👇⁣
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To find out more, DM us or contact Shea Harms from Harmsway Finance on:

☎️ – 0400 513 075
💻 – [email protected]

19/10/2026

🏗️ Which properties are still eligible for negative gearing? 🏗️⁣
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Under new tax reforms, investors can still negatively gear a property, and claim a 50% CGT discount. 💰⁣
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But only if you buy a newly built place that adds to housing supply. 🏡⁣
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That includes off-the-plan apartments, residential construction on previously vacant land, or a duplex built through a knock-down rebuild replacing a single freestanding house. 🏗️⁣
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Talk to us to find out more. 👇⁣
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To find out more, DM us or contact Shea Harms from Harmsway Finance on:

☎️ – 0400 513 075
💻 – [email protected]

16/10/2026

💳 How BNPL can impact your home loan application 💳⁣⁣
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Every time you apply for Buy Now Pay Later, it may trigger a credit check.⁣⁣
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And too many credit checks can affect your credit score and be a red flag for lenders. ⁣⁣
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Late or missed BNPL payments can also be reported, which could reduce your score further. ⁣⁣
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Got a BNPL account active? DM us to find out more. 👇⁣⁣
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To find out more, DM us or contact Shea Harms from Harmsway Finance on:

☎️ – 0400 513 075
💻 – [email protected]

14/10/2026

🌳 Why regional homes are gaining in popularity 🌳⁣
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Relaxed living, better value and enticing affordability. 🌿⁣
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It’s all driving a trend towards regional living - either out bush or by the sea. 🏡⁣
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The regional median home value of $771,365 is much more affordable than the $1,030,973 median across our cities, according to Cotality research. 📊⁣
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Could a move to the regions help you become a home owner? 💡⁣
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Contact us to find out. 👇⁣
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To find out more, DM us or contact Shea Harms from Harmsway Finance on:

☎️ – 0400 513 075
💻 – [email protected]

Address

Sunshine Coast, QLD

Telephone

+61400513075

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