Vijay Krishna - Citywide

Vijay Krishna - Citywide Mortgage Executive
Turning Financial Freedom into REALITY!
0426 963 400
Citywide - Sydney Olympic Park

At Citywide, we endeavor to seek the most suitable loan for your individual needs. With expansive access to several lenders, unprecedented expertise, and an endless array of possibilities, Citywide can ensure that you optimise your opportunity for return on investment.

Everyone loves hearing that property prices are softening.But here’s the part most people miss.A cheaper property doesn’...
07/09/2026

Everyone loves hearing that property prices are softening.

But here’s the part most people miss.

A cheaper property doesn’t help much if your borrowing power has dropped at the same time.

Rates matter.
Servicing matters.
Your deposit matters.
Your debt position matters.
Your structure matters.

The market can create opportunities.

But only for the people who are actually ready to move.

Don’t just watch prices.

Understand your position.

Ask Uncle Veej on 𝟎𝟒𝟐𝟔 𝟗𝟔𝟑 𝟒𝟎𝟎

02/09/2026

This SMSF conversation is bigger than most people realise.

For a lot of Australians, buying property through super isn’t about being fancy.

It’s about having options.
It’s about building wealth.
It’s about having more control over where your retirement money goes.

And that’s the part that should concern people.

When choices get taken away, everyday Aussies need to pay attention.

Whether you trust property, shares, or a mix of both, the point is this:

It’s your retirement money.

You should understand what’s changing, what your options are, and what strategy makes sense before the rules shift again.

This isn’t fear mongering.

It’s a wake-up call.

Ask Uncle Veej on 𝟎𝟒𝟐𝟔 𝟗𝟔𝟑 𝟒𝟎𝟎

30/08/2026

If you’re getting into property thinking, “I’ll just sell if it gets hard,” you’re already looking at it the wrong way.

Property moves in cycles.

Sometimes it runs.
Sometimes it slows.
Sometimes it feels like everyone online suddenly became an economist overnight.

But the people who usually come out ahead aren’t the ones trying to perfectly time the market.

They’re the ones who buy with a plan, structure it properly, and aren’t forced to sell when the market gets uncomfortable.

Because selling at the wrong time can turn a good asset into a bad decision real quick.

Buy well.
Hold properly.
Have a strategy before emotions get involved.

Ask Uncle Veej on 𝟎𝟒𝟐𝟔 𝟗𝟔𝟑 𝟒𝟎𝟎

Everyone sees the headline and thinks things are getting easier.Inflation is down.Great.But if your rent, mortgage, insu...
28/08/2026

Everyone sees the headline and thinks things are getting easier.

Inflation is down.

Great.

But if your rent, mortgage, insurance, groceries, and building costs still feel heavy… you’re not imagining it.

This is why you can’t build your property plan off headlines.

You need to know your actual numbers.

Your repayments.
Your borrowing position.
Your buffer.
Your next move.

The market doesn’t care that the headline sounds nicer.

You still need a strategy.

Ask Uncle Veej on 𝟎𝟒𝟐𝟔 𝟗𝟔𝟑 𝟒𝟎𝟎

26/08/2026

This client spent a year developing one property and made $450,000.

Sounds great, right?

Until another property he did absolutely nothing to went up $400,000 in the same period.

No renovation.
No build.
No stress.
No council dramas.

Just time doing its thing.

The best part?

He didn’t even rent it out.

There were literally chickens in the backyard.

And that’s the point.

Sometimes people are so busy trying to force the money that they forget the biggest partner in property is time.

Buy well.
Hold properly.
Let time do some of the heavy lifting.

Ask Uncle Veej on 𝟎𝟒𝟐𝟔 𝟗𝟔𝟑 𝟒𝟎𝟎

24/08/2026

Time might be the most underrated partner in property.

It doesn’t complain.
It doesn’t ask for a meeting.
It doesn’t need motivation.

It just does its job in the background.

For a lot of long term property owners, the biggest gains didn’t come from overthinking, constantly changing plans, or trying to force the next move.

They came from holding the right asset long enough.
That’s the part people forget.

Sometimes the smartest move isn’t doing more.
Sometimes it’s buying well, structuring it properly, and letting time do what time does best.

Ask Uncle Veej on 𝟎𝟒𝟐𝟔 𝟗𝟔𝟑 𝟒𝟎𝟎

The RBA has held the cash rate at 4.35%. But that doesn’t automatically mean you should do nothing.Your lender, interest...
11/08/2026

The RBA has held the cash rate at 4.35%. But that doesn’t automatically mean you should do nothing.

Your lender, interest rate, loan structure and personal circumstances all matter far more than one RBA announcement.

If you’ve had the same home loan for a while, now is a good time to ask:

Could I be getting a better rate?
Could my loan be structured differently?
Could refinancing reduce my repayments or help me reach my next property goal?
And if you’re looking to buy, what can you actually borrow in today’s market?

A rate hold gives us another piece of information. What matters is what you do with it.

Ask Uncle Veej on 𝟎𝟒𝟐𝟔 𝟗𝟔𝟑 𝟒𝟎𝟎

General information only. Lending criteria, terms and conditions apply.

03/08/2026

Uncle Veej talking about levers… and no, not the ones at the gym you’ve been avoiding since January.

In property, a lever is what you can pull on when an opportunity comes up.

👉 Equity.
👉 Cash flow.
👉 Refinance options.
👉 Existing property.
👉 Structure.

Because when the right property pops up, “I’ll just manifest it” unfortunately doesn’t work with lenders.
If your only lever is the $73 sitting in your savings account and a dream… we may have a problem.

The people who move faster usually aren’t luckier.
They’ve just built more options.

Ask Uncle Veej on 𝟎𝟒𝟐𝟔 𝟗𝟔𝟑 𝟒𝟎𝟎

26/07/2026

Uncle Veej talking about property levers…
And this is exactly why holding the right property can change the game.

Equity isn’t just a number on paper.
It can become the deposit for the next move.
The solution to a problem.
The lever that gives you options.

Full video dropping soon.

Ask Uncle Veej on 𝟎𝟒𝟐𝟔 𝟗𝟔𝟑 𝟒𝟎𝟎

Most people look at their super like it’s locked away for “one day”.But for the right person, it can become part of the ...
21/07/2026

Most people look at their super like it’s locked away for “one day”.

But for the right person, it can become part of the strategy now.

Not to blow it.
Not to gamble with it.
Not to make emotional decisions.

But to structure it properly and potentially use it to purchase property through an SMSF.

If you’re still working, still contributing, and you trust property as a long term asset, this is a conversation worth having.

Your super should have a plan too.

Ask Uncle Veej on 𝟎𝟒𝟐𝟔 𝟗𝟔𝟑 𝟒𝟎𝟎

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2 Fraser Avenue
Sydney Olympic Park, NSW
2172

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