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19/10/2026

🏡 If you’re in Victoria and eligible for the Government Guarantee Scheme, this is the kind of breakdown I’d be walking you through.
A lot of buyers hear “5% deposit” and assume that means they only need 5% of the purchase price.
Not quite.
Using an $850,000 purchase as an example:
✅ Deposit = $42,500
✅ Loan = $807,500
✅ No LMI under the scheme (if eligible)
⚠️ But you still need to allow for purchase costs
Because this purchase price is above the Victorian first-home-buyer duty concession range, stamp duty still applies in this example — which is why your total
contribution is much higher than just the deposit.
So the real question isn’t just: “Can I buy with 5%?”
It’s: “What total cash contribution do I actually need to get this done comfortably?” That’s the bit buyers really need clarity on. 👌
General information only. Figures are indicative only and may vary depending on your eligibility, lender, fees and final transaction costs.

15/10/2026

🏡 Same income. Different lenders. Different result.
One of the biggest misconceptions in home lending is that every bank will give you the same borrowing capacity.
They won’t.
Even with the same salary, the numbers can shift depending on:
✨ lender policy
✨ living expense assumptions
✨ minimum credit card repayments
✨ HECS/HELP
✨ existing commitments
✨ property type
✨ how different income types are assessed
So if you’re on $110K and asking, “What can I borrow?” the real answer is… 👉 It depends which lender is doing the maths.
That’s exactly why working with a broker can make such a difference. It’s not just about finding a rate, it’s about finding the lender whose policy fits your situation.
Moral of the story: don’t rule yourself in or out too quickly based on one calculator. 📊
General information only. Figures are illustrative and borrowing capacity varies based on your full scenario and lender policy.

13/10/2026

An offset account is linked to your home loan. Money sitting in the offset can reduce the amount of the loan balance used to calculate interest.
Simple example 👇
Home loan: $600,000
Money in offset: $50,000
Interest may be calculated as though the balance were $550,000.*
So where do people go wrong?
❌ Leaving savings elsewhere
❌ Using an account that isn't actually an offset
❌ Having the offset attached to the wrong loan split
❌ Not understanding fees or conditions
A great home loan structure isn't only about the interest rate. How you use the loan matters too. 💰 An offset account can be a very handy little mortgage tool — provided it's set up and being used properly. At a basic level, money sitting in an eligible offset account can reduce the portion of your linked home loan on which interest is calculated. So rather than leaving your everyday savings sitting somewhere earning a small amount of interest, some borrowers prefer to keep those funds working against their mortgage instead.
But here's where it gets interesting.
Not every loan has an offset.
Some have one. Some offer several.
Fees can differ.
And if you have multiple loan splits, you want to understand which loan that offset is actually linked to.
The rate gets most of the attention.
But a good mortgage strategy is often hiding in the structure. 👀
Example for illustration only. Product features and conditions vary by lender.

09/10/2026

Love that for them. 🙌 But that doesn't automatically make it the right lender for you. Two borrowers earning exactly the same income can get very different lending outcomes. Why? Lenders can treat things differently, including:
💼 Employment type
🏢 Self-employed income
👶 Parental leave
💳 Existing debts
🏠 Rental income
💰 Bonuses & overtime
📊 Living expenses
👨‍👩‍👧 Dependants
🏡 Property type
And that's before we even look at:
✓ Rates
✓ Fees
✓ Offset accounts
✓ Loan features
✓ Credit policy
✓ Turnaround times
There isn't one “best bank”. There is the lender whose policy, pricing and product best fits your circumstances. 🏦 Mortgage broking would be very easy if there was one bank that was best for everyone.
Spoiler alert: there isn't. 😂
Different lenders have different appetites. One may be brilliant for a self-employed borrower. Another may handle overtime or bonus income more favorably. Another may work better for someone with a smaller deposit. Another could suit an investor or someone needing multiple offset accounts.
That's why hearing that your sister, neighbour or workmate got an amazing home loan doesn't necessarily tell us much about the right solution for you.
Your income.
Your commitments.
Your property.
Your plans.
That's what should drive the lender conversation. Not whichever bank currently has the loudest ad.

07/10/2026

There are home loan options where eligible buyers may be able to purchase with a smaller deposit as low as 2%. Depending on your circumstances, occupation,
income and eligibility, there can be several different ways to structure a purchase with less including:
✓ Government-supported schemes
✓ Lenders with higher LVR options up to 98% LVR!
✓ Family guarantee structures
✓ LMI waiver options
✓ Profession-specific lending policies
That's why we model the options rather than relying on mortgage folklore. 😉
Eligibility, lending criteria, fees and conditions apply. General information only.

💳 One of the easiest things to overlook when preparing for a home loan? Your credit card limits.You might owe absolutely...
05/10/2026

💳 One of the easiest things to overlook when preparing for a home loan? Your credit card limits.
You might owe absolutely nothing on your card and pay it off every month — but lenders don't necessarily assess it that way.
They may still allow for the full available limit when calculating your commitments.
That means a card sitting in your wallet “just in case” could potentially be eating into your borrowing capacity.
But before you start closing cards left, right and centre… ✋
Have your borrowing capacity checked first.
A good home loan strategy isn't about randomly cutting expenses or cancelling facilities. It's understanding which changes will actually move the needle for you. 🏡 Thinking about buying or refinancing? Start with the numbers.
General information only. Lending criteria and servicing methods vary between lenders.

01/10/2026

📆 Your home loan shouldn't be “set and forget”. The loan that suited you two years ago… may not be the loan that suits you today.
A regular home loan review can tell you whether your existing loan is still doing its job.
And here's the important bit: A review doesn't automatically mean refinancing.
Sometimes staying exactly where you are makes sense. Sometimes we can negotiate with your existing lender.
And sometimes another lender offers a structure that's much better suited to where life has taken you.
The point is simply to check.
Your mortgage is probably one of your biggest household expenses. It deserves a little attention too.

Another RBA rate increase means now could be a good time to check in on your home loan. 🏡It’s easy to set and forget you...
29/09/2026

Another RBA rate increase means now could be a good time to check in on your home loan. 🏡
It’s easy to set and forget your mortgage, but the rate you started with may no longer be the most competitive option available.
With the cash rate increasing by 0.25%, it could be worth reviewing your current interest rate, repayments and loan structure to make sure your home loan is still working for you.
At Ash Finance, we can review your current loan, talk you through the options available and take the hassle out of comparing lenders.
Want us to take a look? Get in touch with the Ash Finance team via the link in our bio. 🤍

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.

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