Ash Finance

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28/08/2026

🙌 That’s a wrap for August!
What finance tip hit home this month?
💬 Comment below or DM me — and if you’ve got questions, I’m all ears. No judgment, just help.

25/08/2026

🎯 BUY OR SELL FIRST? The great property juggle 🤹‍♀️🏡
Stuck on what to do first — buy your dream home or sell your current one? Here’s the rundown 👇
📦 SELL FIRST?
✅ Know exactly what you’ve got to spend
✅ No pressure to rush the sale
⚠️ Risk: you might be left couch-surfing while you house hunt
🔑 BUY FIRST?
✅ Snag that dream home before it’s gone
✅ Take your time moving out
⚠️ You could be stuck holding two home loans 😬
💥 Bridging Loans to the Rescue
These short-term loans give you up to 12 months breathing space to buy now, get your current home spruced up, styled, and sold — on your terms.
💡 Hot Tip: Bridging loans need planning, prep AND strategy.
✅ Know your numbers upfront
✅ Make sure you qualify before you dive in
✅ And always have a backup plan (because real estate never runs on schedule!)
📲 DM me to crunch the numbers and work out if a bridging loan fits your game plan — before you make your next big move.

21/08/2026

💳 Does your credit card limit affect borrowing power?
YES! Even if you never use it, lenders treat your credit limit as a liability. A $10k limit could reduce your borrowing power by $40k or more.
👉 Tip: If you’re not using it, consider lowering or cancelling before you apply. I can show you how it changes your figures.

19/08/2026

🏡💰 Unlock the Equity in Your Home to Invest in Another!
Got property? Great. Now let it work for you.
What is equity, really?
It’s the difference between what your home’s worth and what you still owe.
💡 Example:
Home value = $800,000
Mortgage balance = $500,000
= You’ve got $300,000 in equity just sitting there!
🔑 How to Use That Equity to Buy Your Next Property:
1️⃣ Get a Valuation
The bank will complete a formal valuation to determine your usable equity.
2️⃣ Work Out What You Can Access
You can usually borrow up to 80% of your home’s value without paying Lenders Mortgage Insurance (LMI).
📊 Using our example:
80% of $800,000 = $640,000
$640,000 - $500,000 mortgage = ✅ $140,000 accessible equity
3️⃣ Create Your Investment Plan
We’ll help you map it all out:
• 🎯 How much you can spend on your next property (based on both your equity + what you can afford to repay)
• 💼 Structure your loans — we’ll split off the $140K for your deposit
• ✅ Pre-approval sorted for the rest of the purchase
💥 Used wisely, your equity can be the launchpad to build wealth through property — without selling your current home.
Sound like a game plan? Let’s make it happen.
📲 DM or call — we’ll walk you through it step-by-step!

17/08/2026

📱 Bank said no? I say... not yet.
One “no” doesn’t mean it’s the end of the road — it just means that lender wasn’t the right fit.
👉 Here’s the truth: we don’t work for the bank. We work for YOU.
And it’s our job to match you with a lender whose policy actually fits your situation — not try to squeeze you into a box you were never meant for.
💡 Every lender has different credit rules, appetite, and quirks. Some love self-employed clients. Others are great with bonus income, family guarantees, or unique property types.
🛠️ I know the niches, the workarounds, the loopholes — and most importantly, who to approach (and who to avoid).
So if you’ve been knocked back or told “it can’t be done,” don’t give up. Let me take a second look — your YES might just be one lender away.

13/08/2026

💥 Chasing the lowest rate? Let’s rethink that.
Sure, rates matter — but they’re not the main character. The right loan is the one that helps you buy the dream, build wealth, or pay off your home faster — not just save 0.05%.
✅ I look at the whole picture — rates, fees, features, flexibility — to make sure the deal fits your goals, not just a headline.
Because the best deal? It’s the one that gets you the best outcome.

11/08/2026

📄 Not all pre-approvals are created equal. Here’s why that matters.
You’ve probably seen banks online shouting:
🚀 “Get your pre-approval in 5 minutes!”
Sounds great, right? But hold up — not so fast. 🛑
There are two types of pre-approvals:
1. System-generated – instant, no doc checks, no human eyes.
2. Fully assessed by a real credit assessor – full doc review, validation, and genuine peace of mind.
💥 The risk?
That shiny 5-minute pre-approval is based only on what you typed in. No one's actually checked your payslips, your living expenses, or picked up any red flags. If there’s a mistake or something doesn’t match later… your approval could fall over after you’ve signed a contract. 😳
👉 Our advice?
Always go for a fully assessed pre-approval. It might take a few days longer — but it's real, it’s reliable, and it protects you when it matters most.
Need help sorting out the right one for your situation? Let’s chat — this is what we do. 💬

07/08/2026

🍺 Happy International Beer Day!
In the world of broking, some days just require a cold one.
Like when:
✅ The lender asks for the same doc for the third time
✅ Your client "forgets" they bought a boat
✅ You find out they applied for a car loan… yesterday
✅ You finally get that approval before COB on Friday!
So today, raise a glass to low rates, quick approvals, and clients who send their payslips on time.
And remember — we can't fix your beer fridge, but we can fix your home loan. 😏

05/08/2026

🎓 Got a student debt under $20K that’s reducing your borrowing capacity?
Good news! Some banks have changed how they treat HECS/HELP debt — and it could be the difference between a "no" and a "yes" on your loan. 🙌
What’s changed (with SOME banks)?
If your HECS/HELP debt is $20,000 or less, some banks may now exclude it from your borrowing assessment — but only if it’s needed to help you qualify.
👉 So if your numbers are just missing the mark because of your student loan, this could open the door.
What we’ll need to do:
✔️ I’ll still include your full HECS/HELP amount in the application
✔️ If your borrowing power is tight, we can ask for it to be excluded
✔️ You’ll just need to send me a screenshot or PDF from your ATO portal showing the debt is $20K or less
📌 If your loan stacks up without it, we won’t need this. It’s only for borderline servicing cases.
This small change could help you borrow that little bit more — especially if you’re a first home buyer trying to make it all work 💡
Let’s chat if you think this might apply to you. I’ll do the numbers and see if it gives us that little extra push.

03/08/2026

💰 Offset vs Redraw — what’s the real difference?
They both help reduce interest, but they’re not created equal:
🔹 Offset Account = Works like a regular bank account that sits alongside your home loan. Every dollar sitting in there offsets your loan balance, meaning you pay less interest — daily.
🔹 Redraw Facility = Gives you access to the extra repayments you’ve made on your loan — but often with conditions, delays, or limits.
🚨 Choosing the right one depends on how you manage your money. Need flexibility? Want to maximise savings? Let’s unpack it together and make sure your loan works smarter for you.

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Sydney, NSW
2093

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