Ash Finance

Ash Finance Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Ash Finance, Mortgage brokers, Sydney.

05/06/2026

💍🏡 “If you liked it, then you shoulda put a ring on it…”.. or in this case, put an OFFER on it! 😂
👉 Don’t miss out on that dream home because you weren’t prepared!
👉 Get your pre-approval sorted FIRST — before you start falling in love at open homes.
💡 A pre-approval means you’re ready to move quickly when the right property comes along… because as we know, good ones don’t hang around! 🏃‍♀️🏃‍♂️💨
💬 Need help getting your ducks in a row? I’m here to guide you. 🦆✅

03/06/2026

Investors — your borrowing power may have changed. 🏡📉
If you’re planning to buy an investment property, your maximum borrowing capacity may not be what it was a few weeks ago.
Some lenders are now changing how they treat negative gearing in their servicing calculations. 🏦
In plain English?
They may no longer give you the same benefit for investment property tax deductions when working out how much you can afford to borrow.
This could impact:
💰 How much you can borrow
🏦 Which lender is right for you
📄 Whether your existing pre-approval still works
⏰ How quickly you need to act before signing a contract
This doesn’t mean investors should panic.
It does mean your strategy needs to be checked properly before you buy. 👀
📲 If you’re planning to purchase an investment property this year, let me guide you through the new lending landscape.

01/06/2026

💡 Repeat After Me: It’s NOT about the rate! 🏡💰
Yes, we love a sharp rate! 📉
But here’s the thing:
Getting a loan is about finding the RIGHT match — like a perfect long-term relationship 💑, not just a one-night stand! 😄
Here’s what we really consider when helping you find the right loan:
✅ Your goals — are you planning renovations, debt consolidation, investment?
✅ Your life stage — growing family, career change, retirement?
✅ Your income type — PAYG, self-employed, contract?
✅ Your property plans — future upgrades or sales?
✅ Bank policy quirks — yes, they all have different “personalities” 😉
💬 In short: it’s matchmaking — your financial needs with the right lender.
A lower rate is great, but a mismatch could cause more stress long term.
If you'd like to chat about whether you're ready for a better match, let’s talk. Your dream lender might be out there! 💌

🏡 Some things I can help you withIf you’re planning to buy, refinance, invest or just want to understand where you stand...
28/05/2026

🏡 Some things I can help you with
If you’re planning to buy, refinance, invest or just want to understand where you stand, here are some of the ways I can help:
🔢 Your maximum borrowing capacity
I’ll run your numbers and show you how much you may be able to borrow, including estimated repayments.
💰 Your maximum purchase price
I’ll deep dive into deposit requirements, government grants, stamp duty concessions and LMI waiver options so you know what you can realistically aim for.
🏦 The best lender to match your needs
It’s not just about the lowest rate — you can Google that. It’s about matching you with a lender that suits your income, goals, property type and overall strategy.
🧐 Home loan health check
I’ll review your current home loan to see whether your rate, structure and features are still working for you. A sanity check costs you nothing.
🏘️ Unlocking equity to build wealth
One of my favourite things is helping clients use equity in one property to buy another and build long-term wealth.
📞 Need some help?
Call me: 0438 006 486
📧 Email: [email protected]
📩 Or shoot me a DM.

26/05/2026

💔 Divorce is hard. Keeping your family home doesn’t have to be.
Separation can be one of the most difficult times in your life — emotionally, financially and especially when children are involved.
For many families, staying in the home can make all the difference.
It creates stability, familiarity and comfort for the kids when everything else feels like it’s changing.
But trying to buy out your partner can feel overwhelming, especially when you’re unsure whether the numbers will stack up.
Here’s the good news:
✅ We work with lenders who understand separation and family law scenarios
✅ Some lenders may consider policy exceptions
✅ There may be options around refinance, cash out and property settlement
✅ We can help you understand your borrowing capacity and next steps
If staying in the family home is part of your plan, let’s explore your options.
We’ll guide you through it with care, clarity and confidentiality.
📞 Reach out for a private, no-pressure chat.
You don’t have to do this alone.

22/05/2026

💡 Quote of the day
“Do not save what is left after spending, but spend what is left after saving.”
— Warren Buffett
A gentle reminder that wealth building starts with intention — not whatever happens to be left over.
💰 Prioritise saving
📊 Set the strategy
🏡 Spend with purpose
📈 Build the future you actually want
It’s not about restriction.
It’s about creating choices, confidence and a future you’re proud of.

20/05/2026

💥 Small deposit, big plans
Got big property goals but not a huge deposit?
You may still have options.
Just because your deposit is limited does not mean your plans need to be limited.
We work with lenders who may allow eligible borrowers to purchase with as little as a 5% deposit, depending on the scenario, lender, income, property type and overall application strength.
This could help with:
🏡 Buying your first home
📈 Purchasing your first investment property
🔑 Getting into the market sooner
💰 Understanding deposit, LMI and grant options
If you want to talk strategy, plan ahead and make 2026 your year, send us a DM and let’s get started.

18/05/2026

🚀 Start before you’re ready
Perfection is a myth.
Clarity usually comes after action — not before.
Whether you’re dreaming of buying your first home, thinking about refinancing, or finally starting the investment journey you’ve been putting off, the truth is:
You don’t need to have everything figured out before you take the first step.
That’s what we’re here for. ✨
We’ll talk through your goals, your numbers and your options — then help you build a plan that feels clear, practical and possible.
📞 Book your discovery call today. The link is in bio.
Your journey starts now.

14/05/2026

Q&A: Can I buy before I sell?
Yes — potentially.
This is usually done with a bridging loan, which is a short-term loan that helps you buy your next property before your current property has sold.
Bridging finance can be incredibly helpful, but it’s also one of those areas where lender policy really matters. There are a lot of moving parts.
Some important things to understand:
1. Some banks don’t require repayments during the bridging term. They may withhold the payments for the agreed period and make the payments on your behalf, with those payments added to the loan amount.
2. Some banks require interest-only repayments during the bridging period.
3. Your current property will generally need enough equity to support the new purchase, or you may need to contribute extra savings.
4. Some lenders charge a higher interest rate during the bridging period.
5. Some lenders require a signed contract of sale on your existing home before approving the bridging loan, while others may not.
6. Some lenders assess your borrowing capacity on the expected end debt, while others require you to service the total debt during the bridging period.
As you can see, there are plenty of variables — and that’s exactly where we come in.
If you’re looking to upgrade and want to buy before you sell, let us help you map out the numbers and the safest strategy.

13/05/2026

🏡 Have you heard of rentvesting?
Rentvesting means renting where you want to live, while buying an investment property somewhere that may offer better affordability or stronger long-term growth potential.
It can be a smart strategy for people who want to get into the property market but may not be able to buy in their ideal suburb just yet.
Why clients consider rentvesting:
🏙️ Lifestyle flexibility
🏡 A foot in the property market
📈 Potential capital growth
💰 Investment income
🔑 A pathway to future home ownership
This is a strategy many clients use to start building wealth sooner.
Want us to run your rentvesting numbers?
Click the link in our bio to book a discovery meeting with our team today.

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Sydney, NSW
2093

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