WeFinance Australia, Level 13, 338 Pitt Street, Sydney (2026)

10/09/2025

𝗖𝗮𝘀𝗲 𝗦𝘁𝘂𝗱𝘆: 𝗕𝗿𝗶𝗱𝗴𝗶𝗻𝗴 𝘁𝗵𝗲 𝗚𝗮𝗽 𝘁𝗼 𝗮 𝗗𝗿𝗲𝗮𝗺 𝗛𝗼𝗺𝗲 🏡✨

At WeFinance, we recently assisted a married couple, both successful dental clinic owners, in securing a bridging loan that allowed them to upsize to a luxury home in their ideal location.

𝗧𝗵𝗲 𝗖𝗹𝗶𝗲𝗻𝘁𝘀:
• 𝗣𝗿𝗼𝗳𝗲𝘀𝘀𝗶𝗼𝗻: Both are co-owners and operators of a thriving dental clinic
• 𝗜𝗻𝗰𝗼𝗺𝗲 𝗦𝗼𝘂𝗿𝗰𝗲𝘀: Income from their operating company as well as distributions from a family trust
• 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁𝘀: Several investment properties with multiple rental income streams
• 𝗚𝗼𝗮𝗹: To upsize their owner-occupier property to a luxury home in a desirable suburb

𝗧𝗵𝗲 𝗖𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲: Despite ample savings and a healthy financial position, their existing mortgaged investments limited their borrowing capacity, making it challenging to purchase their desired home immediately.

𝗧𝗵𝗲 𝗦𝗼𝗹𝘂𝘁𝗶𝗼𝗻: We structured a 𝗯𝗿𝗶𝗱𝗴𝗶𝗻𝗴 𝗹𝗼𝗮𝗻 𝗳𝗮𝗰𝗶𝗹𝗶𝘁𝘆 that allowed them to purchase their dream home without having to sell their current residence first. The terms of the loan required them to:
• 𝗦𝗲𝗹𝗹 𝘁𝗵𝗲𝗶𝗿 𝗲𝘅𝗶𝘀𝘁𝗶𝗻𝗴 𝗼𝘄𝗻𝗲𝗿-𝗼𝗰𝗰𝘂𝗽𝗶𝗲𝗿 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝘄𝗶𝘁𝗵𝗶𝗻 𝟭𝟮 𝗺𝗼𝗻𝘁𝗵𝘀
• 𝗣𝗮𝘆 𝗱𝗼𝘄𝗻 𝘁𝗵𝗲 𝗯𝗿𝗶𝗱𝗴𝗶𝗻𝗴 𝗹𝗼𝗮𝗻 𝘁𝗼 𝗮𝗻 𝗮𝗴𝗿𝗲𝗲𝗱 𝗮𝗺𝗼𝘂𝗻𝘁 𝗽𝗼𝘀𝘁-𝘀𝗮𝗹𝗲

𝗧𝗵𝗲 𝗢𝘂𝘁𝗰𝗼𝗺𝗲: This solution enables our clients to 𝘀𝗲𝗰𝘂𝗿𝗲 𝘁𝗵𝗲𝗶𝗿 𝗶𝗱𝗲𝗮𝗹 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗿𝗶𝗴𝗵𝘁 𝗮𝘄𝗮𝘆, with the peace of mind that they wouldn’t miss out on their dream home by waiting to sell their existing one.

For clients seeking flexibility in the property market, bridging loans offer a powerful option to meet lifestyle goals while preserving financial stability.

If you’re looking for finance solutions to make your next property move seamless, reach out to discuss how we can help. 🏘️✨
#𝗥𝗲𝗮𝗹𝗘𝘀𝘁𝗮𝘁𝗲𝗙𝗶𝗻𝗮𝗻𝗰𝗲 #𝗕𝗿𝗶𝗱𝗴𝗶𝗻𝗴𝗟𝗼𝗮𝗻 #𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆𝗨𝗽𝘀𝗶𝘇𝗲 #𝗙𝗶𝗻𝗮𝗻𝗰𝗲𝗦𝗼𝗹𝘂𝘁𝗶𝗼𝗻𝘀 #𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲𝗕𝗿𝗼𝗸𝗲𝗿 #𝗟𝘂𝘅𝘂𝗿𝘆𝗛𝗼𝗺𝗲

12/08/2025

RBA Cash Rate Decision.

06/08/2025

Case Study: Innovative Finance Solution for a Multi-Dwelling Development 🏘️🔑

At WeFinance, we recently had the opportunity to structure a unique financing solution for a client looking to purchase vacant land and construct two duplexes, resulting in four dwellings.

The Project:
• Property: Vacant land acquisition
• Development: Construction of two duplexes (four dwellings in total)
• Ownership Structure: Purchased under a Trust

Financing Strategy: In this complex scenario, we applied a creative approach to ensure our client could secure the optimal finance structure:

• We subdivided the land into two lots prior to formal approval, which allowed us to maximise LVR thresholds and improve the lending terms.
• The construction costs were fully covered by cross-collateralisation of existing assets, using multiple securities that are held in a separate trust to secure borrowing. This allowed for our clients to retain all liquid cash and not have to contribute any more than what was required.
• The clients had multiple income streams through trusts and companies, which allowed us to demonstrate a strong servicing position.
• Thanks to the client’s eligibility for private banking segmentation, we arranged for the full construction costs to be released as a cash-out. This gave our clients complete control over the funds for the build, eliminating the need to follow a rigid progressive payment schedule, as well any delays to the project as a result of consistent bank inspections and other control measures. Of course, this is because the clients had the necessary skills and experience to manage this themselves.

The Outcome: Through this solution, our clients were able to move forward with the project with minimal financial constraints and greater flexibility.
This case highlights how leveraging strategic financial tools can turn a complex development into a streamlined, well-funded project.
If you’re looking for creative finance solutions for your next development, feel free to reach out to discuss how we can help. 💡🏗️

15/07/2025

Testimonial Tuesdays

Our clients are at the forefront of everything we do, and therefore their success is our greatest reward. We are grateful for the trust they continue to place in us.

08/07/2025

RBA Cash Rate Update - 8th of July 2025 - No Change

18/11/2024

💪 Landing a home loan if you’re self-employed 💪⁣
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Rightly or wrongly, lenders can see self-employed borrowers as higher risk than employees.⁣
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So it helps to be prepared when applying for a home loan:⁣
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✅ Have evidence you’ve held an ABN for a year or two⁣
✅ Gather proof of income like your latest business activity statements and tax returns⁣
✅ Don’t hide your income (aka cash jobs) as it can reduce borrowing capacity, and⁣
✅ Grow savings to show you can handle home loan repayments.⁣
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If you're struggling to meet any of the above, you could even be eligible for a low-doc home loan designed especially for self-employed borrowers.⁣
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Talk to us for home loan help when you’re your own boss. 👇⁣
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To find out more, DM us or contact the team on:

☎️ – 1300 070 059
💻 – [email protected]

13/11/2024

🙌 Why Aussies return to their broker - again and again 🙌⁣
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Close to 9 out of 10 Australians say they trust their mortgage broker, according to Agile Market Intelligence research.⁣
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In fact, borrowers are almost twice as likely to ‘completely trust’ their broker compared to lenders that home buyers deal with directly.⁣
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Here's what we could help you with during your next home purchase:⁣
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✅ Understanding your borrowing power⁣
✅ Providing you with valuable support and guidance⁣
✅ Streamline the finance process⁣
✅ Understanding affordability, savings and deposit options, and⁣
✅ Settling on your property.⁣
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Contact us today for help buying your first, second or third home. 👇⁣
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To find out more, DM us or contact the team on:

☎️ – 1300 070 059
💻 – [email protected]

11/11/2024

🏠 How much has your home’s value risen by? 🏠⁣
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CoreLogic found that homes purchased in the below years have increased by the below percentage on average: ⁣
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1995: 437%⁣
2000: 308%⁣
2005: 148%⁣
2010: 94%⁣
2015: 57%⁣
2020: 34%⁣
2023: 4%⁣
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Now, 1995 might seem like a long time ago - but it's less than the timeframe of a typical 30-year mortgage. 😮⁣
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Contact us today to begin your property journey. 👇⁣
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To find out more, DM us or contact the team on:

☎️ – 1300 070 059
💻 – [email protected]

06/11/2024

😎 Are you auction-ready? 😎⁣
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The spring market is ramping up - and so are sales by auction.⁣
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Over 2,000 homes went under the hammer in late August, with more expected through summer.⁣
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Here’s how to get your auction game on:⁣
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🧐 Research the local market to know what similar homes are selling for⁣
✅ Understand your borrowing power⁣
👍 Have your home loan pre-approved⁣
🔨 Arrange a pre-purchase inspection to avoid unwanted repair bills⁣
🙌 Attend other auctions to get a feel for how they work.⁣
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Call us today to get your finances auction-ready. 👇⁣
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To find out more, DM us or contact the team on:

☎️ – 1300 070 059
💻 – [email protected]

30/10/2024

✂️ Could you cut $280 off your monthly repayments? ✂️⁣
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After a string of cash rate hikes, research shows mortgage holders could be paying an interest rate of up to 7.11%, says RateCity.⁣
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But the average rate for new home loan borrowers is currently 6.3%. ⁣
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That's a pretty big difference. 😅⁣
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On a loan of $600,000, refinancing or renegotiating to a lower rate of 6.37% (and that's being conservative) could cut $280 off monthly repayments.⁣
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Call us today to find out if you could cut back your mortgage repayments by refinancing. 👇⁣
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To find out more, DM us or contact the team on:

☎️ – 1300 070 059
💻 – [email protected]

28/10/2024

🏡 Buying an investment property using your home’s equity 🏡⁣
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More than one-in-five Australians (21%) aspire to own investment properties to build their wealth, according to MLC’s Financial Freedom report.⁣
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And that goal for current homeowners might be more reachable than you think. 🤨⁣
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You see, national property prices have increased 13.5% since January 2023, and CoreLogic’s latest Pain and Gain report reveals that homes sold in the first quarter of 2024 made a median profit of $265,000. ⁣
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But you don't need to sell your family home to tap into any potential rise in equity your home has experienced.⁣
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By refinancing, you can essentially cash out a decent portion of the equity and use it to invest in an investment property, shares, super or even a renovation.⁣
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To find out how you could leverage your family home's equity, give us a call today. 👇⁣
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To find out more, DM us or contact the team on:

☎️ – 1300 070 059
💻 – [email protected]

23/10/2024

🤔 Should you go interest-only on your home loan? 🤔⁣
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Up to 1-in-5 home owners are switching to interest-only payments, according to Finder.⁣
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Going interest-only can lower your monthly repayments for a set period of time. ⁣
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But the short term gain can come with long term pain, including: ⁣
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😐 the principal amount won't reduce during the interest-only period⁣
😬 you'll likely face higher repayments once the interest-only period finishes⁣
🙃 you'll probably have to pay a higher interest rate during the interest-only period⁣
🤔 you'll possibly pay more interest over the life of the loan.⁣
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Still, if things are really tight right now, it can get you out of a pinch.⁣
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If you’ve been thinking of going interest-only, talk to us to explore all your options to help manage your mortgage. 👇⁣
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To find out more, DM us or contact the team on:

☎️ – 1300 070 059
💻 – [email protected]

WeFinance Australia

10/09/2025

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