Brisa Finance

Brisa Finance Mortgage & Finance Brokerage

02/09/2026

House or apartment? New or established? Buy now or wait?

Bruno and Renata from answered without overthinking it. And they didn't agree on everything.

The one that sparked the most debate was auction: it's designed to favour the vendor, but it's the only format where you actually see the competition, and where the bank won't dispute what you paid.

They finish on the question every buyer should ask before committing: what's the warning sign to look for at an inspection?

Your turn: house or apartment? Let us know below.

Full episode on YouTube 🎧

⚠️ General information only. Not personal financial advice.



31/08/2026

How many people do you know who've held a pre-approval for a year and still haven't bought anything?

It's a striking number. And the story usually ends the same way: they miss the market, someone in the family needs the money, and the pre-approval quietly expires in a drawer.

The average purchase time for clients right now is four weeks.

That difference isn't luck. It comes down to having someone representing you on the other side of the table — because the selling agent is there for the vendor, not for you.

How long have you been looking? Tell us below.

Full episode on YouTube 🎧

⚠️ General information only. Not personal financial advice.



30/08/2026

Can't afford a house in Sydney? Buy a townhouse.
Can't afford a townhouse? Buy an apartment.

☝🏼 The worst thing you can do is buy nothing at all.

Bruno from puts it plainly: understanding how construction works here is what separates a sound purchase from an expensive mistake. This isn't about giving up on the home you want — it's about entering the market with what you can manage today.

Would you buy something smaller than you'd hoped, or hold out? Let us know below.

Full episode on YouTube 🎧




⚠️ General information only. Not personal financial advice.

28/08/2026

Negative gearing hasn't gone. It's been delayed.

That difference changes everything about how you plan, and almost nobody explained it properly.

Before, your annual loss on an investment property offset your salary in the same year. Now that loss is carried forward and only comes into play later: when the property turns positive, or when you sell.

You don't lose the benefit. You postpone it.

What actually shifted was market sentiment. Fewer investors buying means less competition for anyone who's ready now.

In the full episode, Bruno and Renata from Asset Buyers break down the numbers capital by capital and explain what to look at before you decide.

Were you waiting for the market to fall further before buying? Let us know in the comments.

Full episode on YouTube 🎧

⚠️ General information only. Not personal financial advice.

LVR is one of the most important numbers in your home loan.It stands for Loan-to-Value Ratio, the percentage of the prop...
27/08/2026

LVR is one of the most important numbers in your home loan.

It stands for Loan-to-Value Ratio, the percentage of the property's value that you're borrowing.

Why does it matter?
• Lower LVRs can unlock better interest rates.
• An LVR above 80% may require Lenders Mortgage Insurance (LMI).
• It can influence how much you're able to borrow.

Not sure what your LVR is?

Talk to Broker Claudia—we'll help you understand your options.

Source: Money.com.au

• 🇧🇷 •
O LVR é um dos números mais importantes do seu financiamento imobiliário.

LVR significa Loan-to-Value Ratio, ou seja, a porcentagem do valor do imóvel que será financiada.

Por que isso importa?
• Um LVR menor pode garantir taxas de juros mais competitivas.
• Acima de 80%, pode ser necessário pagar o LMI.
• Ele influencia diretamente sua capacidade de financiamento.

Não sabe qual seria o seu LVR?

Fale com a Broker Claudia e descubra quais são as suas opções.

Fonte: Money.com.au

27/08/2026

He asked a colleague for a book recommendation. That question changed how he buys property.

The colleague was 26 and already owned three properties. The book was 20 Must Ask Questions for Every Property Investor, by Margaret Lomas. Rodrigo turned it into a two-page checklist and still opens that document before every purchase.

Sometimes the best investment is the one that costs nothing.

Full episode on YouTube 🎧

⚠️ General information only. Not personal financial advice.

26/08/2026

One house became three. Here's how each purchase had its own purpose!

The first was bought for capital growth, the leverage that made the next one possible. The second was chosen for cash flow, in a market too competitive to gamble on. The third came in under market value, with the gain built in on the day of purchase.

Three properties, three different strategies, one consistent plan.

Full episode on YouTube 🎧

⚠️ General information only. Not personal financial advice.

A guarantor could help you get into the property market sooner.By using part of a family member's property as additional...
25/08/2026

A guarantor could help you get into the property market sooner.

By using part of a family member's property as additional security, some buyers may purchase with a smaller deposit and potentially avoid Lenders Mortgage Insurance (LMI).

It's a generous commitment and one that should be carefully considered by everyone involved.

Thinking about this option? Talk to Broker Claudia before making any decisions.

• 🇧🇷 •
Um fiador (Guarantor) pode ajudar você a comprar seu imóvel mais cedo.

Ao utilizar parte da garantia de um imóvel da família, alguns compradores conseguem entrar no mercado com um depósito menor e, em alguns casos, evitar o pagamento do LMI.

É uma decisão importante para todos os envolvidos e merece uma boa análise.

Está considerando essa opção? Converse com a Broker Claudia antes de decidir.

24/08/2026

He arrived in Australia in 2012. Bought his first property in 2021. Today he owns three.

No inheritance. No lucky break. No magic formula.

Rodrigo wanted to buy in Sydney. He did the maths and the budget didn't stretch. Rather than wait for the perfect moment, he adapted: went in as an investor and bought in Queensland, within what he could genuinely afford.

Five years on, three properties — and the same lifestyle he had at the start. Three pay rises, two job changes, same budget.

That's what builds wealth. Not a big income. Consistency.
Full episode on YouTube 🎧

⚠️ General information only. Not personal financial advice.

Spring is almost here... and so is Australia's busiest property season.If you're planning to start house hunting, now is...
24/08/2026

Spring is almost here... and so is Australia's busiest property season.

If you're planning to start house hunting, now is the perfect time to organise your pre-approval.

Being pre-approved means you'll know your budget, move faster and make stronger offers when the right property appears.

Talk to Brisa Finance and get ready before everyone else!

• 🇧🇷 •
A primavera está chegando... e com ela a época mais movimentada do mercado imobiliário australiano.

Se você pretende começar a procurar um imóvel, este é o momento ideal para organizar sua pré-aprovação.

Com ela, você conhece seu orçamento, ganha agilidade e faz propostas com muito mais segurança.

Fale com a Brisa Finance e esteja preparado antes dos outros compradores!

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Level 2 29 Kiora Road
Sydney, NSW
2228

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

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