SpeC Finance

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SpeC Finance

Don't be one of those people who are too comfortable with their lender, loan or even current lifestyle to reach out and get help.

Spec Finance
🏡 Home loan specialists
🚗 Car loans & Asset Finance
💰 Don't pay more interest than you need to
🏆 AFG Excellence winner 2021 & 2024
LBA Finalist 2021 & 2022 2021 & 2022 Local Business Award Finalist 🏆

Our goal:
Work closely with you to ultimately reduce your interest payable over the life of your loan and get you closer to that debt free retirement. Simply get in touch and have one

of our trusted mortgage brokers help you save money. Why pay more unnecessary interest than you need to?🤷

19/03/2026

If you are wondering how the recent +0.25% increase might look like on your home loan repayments then check out the rest of the video.

If you feel your repayments could do a little work then perhaps it's time to get a mortgage broker on your side to review your situation and ensure you are on still on a competitive rate.

As always if you need help, simply call us on 0481 877 732 or email [email protected]

24/02/2026

Online borrowing calculators:
If you are one of those people who are curious about your borrowing capacity, it may be convenient to check how much you can borrow by utilising an online borrowing capacity calculator.

However, caution should be taken when determining more accurate figures as there are many lenders out there with their own credit policies and risk appetite. The difference in the figures could be short or above what your unique scenario ‘actually’ results in.

It is Ok to get a rough idea but as always, speak to a broker first to help determine exact figures & suitable options before you make the next move.

Contact us today to get more confidence in your borrowing power

Call us on 0481 877 732 or email [email protected]

13/02/2026

🏡 Bank vs Broker — What’s the Difference? Here’s the truth 👇 A bank only offers their loan products via their own policies. That means limited flexibility and potentially missing out on better rates. As a mortgage broker, I work for you — not the bank.

✅ Access to multiple lenders (over 50 in total)
✅ Tailored solutions for your unique scenario
✅ More options can mean better outcomes
✅Narrow down thousands of loan products saving you time

Chat with us today for a free review — we’ll take care of the rest.

Call us on 0481 877 732 or email [email protected]

03/02/2026

Unwelcomed news for many mortgage holders with the first cash rate rise since November 2023 due partly to a combination of higher than expected inflation of 3.8%(previously 3.4% in November 2025) leading into December 2025 and unemployment falling to 4.1%.

Chat with us today for a free review — we’ll take care of the rest and help you find out if you can do better.
Call us on 0481 877 732 or email [email protected]

22/12/2025

As it is nearing Christmas and the New Years, we just want to wish everyone a Merry Christmas and a Happy New year from the Spec Finance team.

During these festive times, it may be wise to check if your home loan is still competitive.

We are still open to workshop any scenario's you may have so feel free to call us on 0481 877 732 or contact us via email at [email protected] to

18/10/2025

Are your current repayments or interest rates still competitive?
Sometimes, it may be wise to consolidate your debts.

This in turn can help reduce stress, free up funds for more everyday activities or simply further accelerate existing debts.

Chat with us today for a free review — we’ll take care of the rest and help you find out if you can do better.

Call us on 0481 877 732 or email [email protected]

04/09/2025

Looking to get away but need some extra funding? Whether it's a destination wedding, a trip with the family or a last-minute getaway, our team can help arrange a low rate personal loan to finance your next holiday.
Our partners offer a fast, simple process and access to funds typically within 48 hours. Don't delay, get in touch today! Quick turnarounds, simply head over to: www.specfinance.com.au/quickapply

As always, if you need any assistance, feel free to call us on 0481 877 732 or contact us via email at [email protected]

12/08/2025

Just in peeps! The RBA has dropped the cash rate down by 0.25% - from 3.85% to 3.60%.

Stay tuned as lenders pass the reduction on. If you need your home loan reviewed ,simply contact us below.

Follow us to keep updated!

As always, if you need any assistance, feel free to call us on 0481 877 732 or contact us via email at [email protected]

27/06/2025

- Cash flow for Property Investors -
This is probably the easiest way to increase cash flow for Property Investors:
As a property ages, items within it wear and they depreciate in value.
The Australian Taxation Office (ATO) allows property investors to claim a deduction relating to the expenses associated with this wear and tear on the building and its fixtures - known as "depreciation".
Depreciation can be claimed by any owner of an income producing property.
This deduction essentially reduces the investment property owner's taxable income, thus increasing the cash flow of the property.
The property doesn't need to be new, in fact it can be quite old and still may have a lot untapped "cash flow" value, when assessed by a good quantity surveyor.
To learn more about reducing the cost of owning an investment property and turning it into a positive cash flow property faster, please read "Increasing Cash Flow for Investors.pdf". - simply sms us on 0481 877 732 so we can send the pdf.

As always, if you need any assistance, feel free to call us on 0481 877 732 or contact us via email at [email protected]

23/05/2025

The RBA has reduced the cash rate from 4.10% down to 3.85%. This is a total of 0.25% reduction and is a breath of fresh air for many home owners.

This is now the 2nd cash rate drop since December 2023 with the first occurring back in February this year.

Follow us to keep updated!

As always, if you need any assistance, feel free to call us on 0481 877 732 or contact us via email at [email protected]

16/05/2025

Is changing your job going to affect your ability to buy a new home?
Approximately half the Australian workforce is considering a job change at any one time.
Younger people are the most active in the job market with those under 30 almost twice as likely to change jobs as those aged over 40.
But did you know that lenders may not view a new job as positively as you do?
If you are thinking of buying a home or investment property, its important to get your timing right when it comes to changing your employment so it doesn't upset your plans.
But if you are considering a career change, or have recently changed jobs, by managing things properly you may not need to put your borrowing plans on hold.
To avoid problems, please check out this article - "Will the Bank be Impressed with my New Job".

https://www.mortgageaustralia.com.au/email/files/willthebankbeimpressedwithmynewjob.pdf?fbclid=IwY2xjawH2kaVleHRuA2FlbQIxMAABHR7CV4BRjDOZ8fZNcd_Y7AsOPjhVkefYBQozjz1nGtbNTTj3KNr3yKDzHw_aem_veJ8Z_0Cs216tKlENcrpjA

Need some help? give us a call / SMS on 0481 877 732 or email us at [email protected]

24/03/2025

How to retire before you turn 40...
Have you ever wondered how some people manage to retire at such a young age? Have you heard stories about people creating wealth through property investment but you don't really know how they manage to do it?
Well, meet Lisa. Lisa is 32 years old, and she has a property portfolio that's already worth about $2.1million. She has a pretty good job - as a photographer for a bridal magazine, but she certainly doesn't earn a six-figure salary.
So how did she manage to achieve so much at such a young age? It all started when Lisa was 25 years old and she bought her first property. Lisa applied for a loan to purchase a modest 2 bedroom unit in a block of four. She paid $230k back in 2007, and within a few short years she was on her way to an excellent collection of investment properties, all achieving strong growth and producing a good rental return.
Here is the timeline:
2007- Purchased Property A - 2 bedroom unit. Purchase price - $230k
2009 - Property A valued at $320k. Used the equity to purchase another unit
2009 - Purchased Property B - 3 bedroom unit. Purchase price - $310k
2011 - Property A valued at $350k, Property B valued at $420k. Used equity to purchase a house
2011 - Purchased Property C - 3 bedroom house on 800m2. Purchase price - $405k
2013 - Property A valued at $390k, Property B valued at $460k, Property C valued at $580k (after $40k renovations) used equity to purchase another house
2013 - Purchased Property D - 3 bedroom house on 700m2. Purchase price $450k.
Today - Total value of all properties is $2.1million.
If you've been thinking about investing in property, there's no time like the present. A reputable Mortgage Broker can help you work out your loan options, and an Accountant or Financial Planner can help you to decide if property investment is the right decision based on your personal situation.

*depicted image is only demo purposes*

Need some help? give us a call / SMS on 0481 877 732 or email us at [email protected]

Address

Level 2, 351 Oran Park Drive Oran Park
Sydney, NSW
2570

Website

https://www.specfinance.com.au/

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