https://www.facebook.com/104214928181990/

TMP Financial Services

Home
Australia
Sydney, NSW
TMP Financial Services

Helping you achieve financial success with personalised mortgage and financial solutions. We’re here to help. invoicing, client surveys etc.

At TMP Financial Services, we believe that securing a home loan shouldn't be overwhelming — it should be empowering. Whether you're a first-time buyer, seasoned investor, or looking to refinance, we're here to guide you with honest advice, clear options, and personalised support every step of the way.

🏡 What We Do
We specialise in helping Australians navigate the world of property finance — from

understanding borrowing power to getting the right loan structure for your goals. Our expert mortgage brokers work with a wide range of lenders to find solutions that truly suit your situation.

✨ Why Choose Us

Personalised service with your long-term goals in mind

Transparent, jargon-free communication

Strategic insights for both owner-occupiers and property investors

Ongoing support — even after settlement

📍Based in Sydney, helping clients all across Australia. Let’s make your property goals a reality — with clarity, confidence, and the right support behind you.

📲 Message us to get started or ask any questions. Disclaimer Statement

This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.

©2023 TMP FINANCIAL SERVICES PTY LTD ABN 54 634 909 247. Credit Representative 479274 is authorised under Australian Credit Licence 389328
.........................................................................................................................................................................................

Privacy Policy

At TMP Financial Servfices, we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth). This Privacy Policy describes our current policies and practices in relation to the handling and use of personal information.

1. What you need to know
- We will take reasonable steps to protect your information.
- We will comply with the notification requirements of the Privacy Act if we are aware of your information being lost or compromised.
- We will never sell your information to a third party.
- We use information we collect from you and from other sources to provide services to you and to improve how we operate and provide those services.
- If you have concerns or questions about how we use or handle your information, get in touch with us at [email protected].

2. What information do we collect and how do we use it?
- We will ask you for personal information when we assist you with your finance. Personal information may include any sensitive information (including health information) and may include any information you tell us about any vulnerability you may have. We use the information you provide to advise about and assist with your credit needs. We only provide your information to the companies with whom you choose to deal (and their representatives).
- We also use your information to send you requested product information and to enable us to manage your ongoing relationship with us e.g. We may do so by mail or electronically unless you tell us that you do not wish to receive electronic communications.
- We may occasionally notify you about promotions, new services and special offers, events or articles we think will be of interest to you. We may send you regular updates by email or by post. If you would rather not receive this information, email or write to us.
- We may also use your information internally to help us improve our services and help resolve any problems.

3. What if you don’t provide some information to us?
- If you don’t provide us with full information, we can’t properly advise or assist you with your credit needs.

4. How do we hold and protect your information?
- We strive to maintain the reliability, accuracy, completeness, and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements

4.1 We hold the information we collect from you
- We have a plan that is designed to enable us to contain, assess and respond to suspected data breaches in a timely fashion, and to help mitigate potential harm to affected individuals.
- Much of the information we hold about you will be stored electronically (such as electronic documents). Some information we hold about you will be stored on paper files until such time that it is uploaded to our systems and securely destroyed.
- Our cybersecurity program and governance are aligned to industry standards, and we strive to meet or exceed standard security benchmarks. However, security incidents and data breach events can occur. If you have reason to believe that your interaction with us has been compromised, please contact us immediately using the details provided in How to contact us below.
- We will keep your personal information while you are a customer of the Group. We generally keep your personal information for up to 7 years after you stop being a customer, but we may keep your personal information for longer:
to fulfil legal or regulatory obligations;
for internal research and analytics; or
to respond to a question or complaint.
- If we receive information about you that we did not request or need, and if we decide we did not collect the information in accordance with this Statement and applicable Privacy Laws, we will take reasonable steps to destroy or de-identify the information.
- When we no longer require your information, and we are legally permitted to, we will take reasonable steps to destroy or de-identify the information. If it is impossible or impractical to completely remove the information, the same security safeguards will be in place to protect the information, as detailed in this Statement.

4.2 We ensure that your information is safe by
- confidentiality requirements of our team members and brokers;
- document storage security policies;
- security measures for access to our systems;
- only giving access to personal information to authorised or verified people;
- control of access to our premises; and
- oversight from our Cybersecurity team and security engineers to ensure that security controls are in place and effective.

5. Will we disclose the information we collect to anyone?
- We do not sell, trade, or rent your personal information to others.
- We may need to provide your information to our credit licensee e.g. for administration and supervision activities, contractors who supply services to us e.g. to handle mailings on our behalf, or to other companies in the event of a corporate sale, merger, re-organisation, dissolution or similar event. However, we will do our best to ensure that they protect your information in the same way that we do.
- We may also provide your information to others if we are required to do so by law or under some unusual other circumstances which the Privacy Act permits.

6. How can you check, update or change the information we are holding?
- Upon receipt of your written request and enough information to allow us to identify the information, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate.
- If you wish to access or correct your personal information please write to [email protected].
- We do not charge for receiving a request for access to personal information or for complying with a correction request.

7. Your consent
- By asking us to assist with your credit needs, you consent to the collection and use of the information you have provided to us for the purposes described above.

8. Tell us what you think
- We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact: [email protected]

9. Complaints
- Internal Dispute Resolution : If you do have a complaint, please let us know by email, because if we don’t know about it we can’t fix it. You may also contact us by email addressed to; The Complaints Officer at [email protected] please make sure you include as much information as you can.
- You should explain the details of your complaint as clearly as you can. Ideally, this should be in writing, however you can lodge your complaint via telephone, in person or online. When we receive a complaint, we will attempt to resolve it promptly.
.........................................................................................................................................................................................

Compliments and Concerns

We always work hard to build strong and lasting relationships with our valued customers. By listening to your feedback, not only can we address any immediate concerns you may have, we will also continually improve our products and services.We know there are times when you may wish to compliment us on something we have done well and other times when you may wish to tell us we have not met your expectations.

1. Compliments
Our representatives are always delighted to know that they have succeeded in making your experience a pleasant and successful one. If one of our representatives has provided you with exceptional service in any way, please let us know using the details below, so that we can further encourage them via this feedback process.

2. Concerns
If, for any reason, you do not feel that you have received the highest standard of care from us, we likewise encourage you to share this with us. We have developed a process that we believe makes it easy for you to tell us of your concerns and for them to be addressed quickly and fairly. If you choose to contact us by mail or email, please make sure you provide as much detail as possible about your complaint.

3. Need an update on your complaint
If you have lodged a complaint with us, you can contact us at any time to ask for an update on its status. Contact us through any of the methods listed above and please be sure to refer to your earlier communication so that we can respond effectively.

4. Resolution
We will write to you to acknowledge your complaint within 24 hours to ensure we treat you fairly and will work to resolve your complaint as soon as possible. In the rare event, we are still investigating your complaint after 30 days we will write to you to explain why and to let you know when we expect to have completed our investigation. In the event, you are not satisfied with our response, you can lodge your complaint with AFCA. When we have completed our investigation, we will write to let you know the outcome and the reasons for our decision.

5. Taking it further
We hope that you will be satisfied with how we deal with your complaint. However, if your concerns remain unresolved, or you have not heard from us within 30 days, then you can have your complaint heard by an independent party, the Australian Financial Complaints Authority:

Online: www.afca.org.au
Email: [email protected]
Phone: 1800 931 678 (free call)
Mail: Australian Financial Complaints Authority
GPO Box 3, Melbourne VIC 3001

Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires.

19/08/2026

Where will you keep your $100,000?

30/07/2026

Over the past few days, several clients have reached out after seeing the recent news about Offset Accounts at a few Australian banks.
Many are asking: “Could my offset account be affected too?”

The short answer: Not everyone with an offset account has been impacted. However, it’s a timely reminder for all homeowners to make sure theirs is linked and working correctly.
If you have a home loan with an offset account, check these 4 things:

✅ Linking: Confirm your offset account is still actively linked to your home loan (usually visible via internet banking).
✅ Balance: Ensure the displayed balance is accurate.
✅ Interest: Check that your monthly interest charges align with your expectations.
✅ Verification: If anything looks off, contact your bank directly to verify.

Is an offset account actually worth it for you?
Having an offset account isn't automatically the best choice for everyone. Many banks charge annual package fees, or offer higher interest rates on loans with offset features compared to basic loans. If your balance isn't high enough, the interest savings won't cover the extra costs.

Here’s the math:
• Annual offset/package fee: $395
• Home loan interest rate: 6.20%
You’d need to maintain a constant balance of roughly $6,400 in your offset account all year just to break even on the annual fee. If your interest rate is lower, you need an even higher balance to make it worthwhile.

This is why I don't automatically recommend offset accounts to every client. I look at your actual savings habits to determine if it provides real value. After settlement, I also double-check with the bank that the link is active so everything runs smoothly from day one.

☎️ TMP Financial Services

Sue
0403 419 421
[email protected]

Tiya
0435 569 555
[email protected]

Credit representative no. 479274, 538013 are authorised under Australian Credit Licence 389328.

Disclaimer: This page provides general information only and does not consider your personal objectives, financial situation, or needs. It is not legal, tax, or financial advice, and you should seek professional guidance before making any decisions.

29/07/2026

📊 Australia Inflation Update (Today – 29 July 2026)

Today’s June quarter CPI data came in softer than expected, reducing concerns that inflation is becoming entrenched.

Key figures

* Headline CPI: 4.0% → 3.8% (annual)
* Quarterly CPI: 0.6% (vs market expectations around 0.8%)
* Trimmed Mean Inflation (RBA’s preferred measure):
* 3.6% annually
* 0.8% quarterly
* Both below market and RBA forecasts.

What does this mean?

The data suggests that previous RBA rate hikes are continuing to slow inflation, particularly as fuel prices eased. While services inflation and housing costs remain elevated, today’s result gives the RBA more room to wait rather than raise rates immediately.

Big 4 Bank Outlook for the August RBA Meeting

Today’s inflation numbers have prompted a major shift in forecasts.

Bank Before CPI Latest View
CBA Hold ✅ Hold
ANZ Hold ✅ Hold
NAB Hold ✅ Hold
Westpac Expected August hike Now changed to Hold ✅

Market Expectations

Financial markets have also dramatically reduced the probability of an August rate hike:

* Before today’s CPI: around 20–21%
* After today’s CPI: only 3–4% chance of a hike on 11 August.

Bottom Line

This is welcome news for mortgage holders.

Unless there is an unexpected economic shock before the August meeting, the RBA is now widely expected to leave the cash rate unchanged at 4.35%. The focus will then shift to future inflation and labour market data to determine whether rates stay on hold for the rest of 2026 or whether another hike may still be needed later in the year.

26/07/2026

A few weeks ago, I had the opportunity to speak with an accountant about Capital Gains Tax (CGT), and there was one important reminder they asked me to share with all investment property owners. 📌

If the proposed new CGT legislation comes into effect as announced, 1 July 2027 will be a very important date because:

• Capital gains that accrue before 1 July 2027 are expected to be calculated under the current CGT rules.
• Capital gains that accrue from 1 July 2027 onwards are expected to be calculated using the new indexation method.

For this reason, it may be worthwhile arranging a professional valuation of your investment property before 1 July 2027. This valuation could serve as evidence of your property’s market value for future CGT calculations.

The valuation should be completed by a Certified Practising Valuer (CPV) who is registered with the Australian Property Institute (API).

⚠️ Please note that a bank valuation or a real estate agent’s market appraisal cannot be used as a substitute, as they are prepared for different purposes.

If you forget to obtain a valuation before the deadline, it may still be possible to determine the property’s value retrospectively. However, the process can be much more complex, require significantly more supporting documentation, and take longer to complete.

Planning ahead is often the easier and less stressful option. 😊

If you own an investment property, it may be a good idea to have a conversation with your accountant now so you’re prepared well in advance.

Disclaimer: This post is intended as general information only and should not be considered personal tax advice. Please consult your accountant or qualified tax adviser before making any decisions.

22/07/2026

One extra repayment a year could save home loan interest!

10/07/2026

📉🏡 Since the Tax Reform announcement, this is the question we’ve been hearing almost every day.

Property investors, clients, and property managers are all noticing the same trend…

📈 Many landlords are being advised to increase rents by around 5%, with some areas seeing even larger increases.

One of our own investment properties has just received a $125 per week rent increase.

Many tenants ask:

“If the owner bought the property years ago, has paid off the mortgage, or still benefits from Negative Gearing, why is the rent increasing?”

The short answer:

Rent is driven by the market—not just the landlord’s costs.

Here’s why:

✅ Supply & Demand
Low vacancy rates mean more tenants competing for fewer homes, pushing rents higher.

✅ Holding costs keep rising
Even without a mortgage, owners still pay council and water rates, insurance, maintenance, management fees, and land tax.

✅ Higher interest rates
Many investors still have loans, and higher repayments have increased their holding costs.

✅ Negative Gearing isn’t free money
It reduces taxable income—it doesn’t reimburse losses.

Example: A $10,000 rental loss for someone on a 30% tax rate may save about $3,000 in tax, but they’re still $7,000 out of pocket.

If Tax Reform reduces these tax benefits, some landlords will try to recover higher holding costs through rent increases—if the local market allows.

✅ Rent follows market value
If comparable homes rent for $850/week while yours is $650/week, most landlords will gradually adjust towards market rent.

Will Tax Reform stop investors from buying property?

Probably not—but we believe they’ll become more selective.

Rather than relying on tax benefits and long-term capital growth, investors are likely to focus more on cash flow and rental yield.

🏘️ As a result, well-located units and townhouses with stronger rental returns may become even more attractive.

This is simply our observation based on current investor behaviour. Time will tell how the market responds.

☎️ TMP Financial Services Sue 0403 419 421Sue@tmpfinance.com.auTiya 0435 569 555Tiya@tmpfinance.com.au...

28/06/2026

☎️ TMP Financial Services

Sue
0403 419 421
[email protected]

Tiya
0435 569 555
[email protected]

Credit representative no. 479274, 538013 are authorised under Australian Credit Licence 389328.

Disclaimer: This page provides general information only and does not consider your personal objectives, financial situation, or needs. It is not legal, tax, or financial advice, and you should seek professional guidance before making any decisions.

16/06/2026

📢 RBA Keeps Interest Rates Unchanged

The Reserve Bank of Australia has decided to leave the cash rate unchanged.

For homeowners and borrowers, this means there is no immediate change to interest rates, giving households and investors more certainty while the RBA continues to monitor inflation and economic conditions.

🏡 If you’re thinking about buying your first home, refinancing, or investing in property, now is a great time to review your options and make sure your loan still suits your goals.

10/06/2026

This week, several major Australian banks (CBA, ANZ and NAB) have shared a similar view: the RBA’s interest rate hiking cycle may be nearing its end, and there is a possibility of rate cuts in the future.

Westpac, on the other hand, has been more hawkish than its peers for some time, previously forecasting one or two additional rate rises due to concerns that inflation could remain persistent.

Of course, these are only forecasts. The RBA’s decisions will continue to depend on upcoming inflation data, employment figures, and overall economic conditions.

For those planning to purchase a home or expand their property portfolio, this may provide some encouragement. However, it remains important to plan carefully and continue monitoring the market.

Property markets do not always wait for interest rates to fall before moving. In many cases, buyer confidence begins to return well before any actual rate cuts occur.

The next few months will be interesting to watch as new economic data reveals whether these forecasts are likely to become reality. 😊

TMP Financial Services

☎️ Sue 0403 419 421
☎️ Tiya 0435 569 555

Credit Representative Numbers 479274 and 538013 are authorised under Australian Credit Licence 389328

06/06/2026

If you’re a business owner and cash flow has started feeling tighter lately, you’re not alone.

A recent client of mine owns a restaurant and, like many businesses, was impacted by rising wages, food costs, and operating expenses.

To keep things moving, they had accumulated several debts over time:
• Personal loans
• Business lending
• Vehicle finance

The repayments and interest costs eventually became a heavy burden, especially the higher-interest business debt.

After reviewing their situation, we discovered that refinancing wasn’t straightforward. Limited available equity, lender servicing requirements, and business liabilities all needed to be carefully managed.

By working closely with both the residential and business lending teams, we structured a bundled solution that addressed the client’s overall financial position.

The outcome:

✅ Home loan approved
✅ Business lending approved
✅ High-interest debts cleared
✅ Lower monthly repayments
✅ Additional working capital for the business

Sometimes the answer isn’t borrowing more money. It’s restructuring existing debt more effectively.

If you own a business and property and your cash flow isn’t as comfortable as it used to be, feel free to reach out for a chat.

☎️ Sue
0403 419 421

☎️ Tiya
0435 569 555

Credit Representatives 479274 & 538013 are authorised under Australian Credit Licence 389328.

Disclaimer: This post provides general information only and does not take into account your personal objectives, financial situation, or needs. It is not legal, tax, or financial advice. You should seek professional advice before making any financial decisions.

Address

Sydney, NSW
2000

Telephone

+61403419421

Website

facebook.com

Alerts

Be the first to know and let us send you an email when TMP Financial Services posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Want your business to be the top-listed Finance Company in Sydney?