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.

19/06/2026

🏡✨ Happy Friday!
Weekends are for house hunting 🏃‍♀️🏃‍♂️ … and maybe a little dreaming too! 💭
What’s YOUR property plan this weekend?
👉 Are you hitting open homes?
👉 Scrolling listings?
👉 Exploring new suburbs?
💬 Whatever stage you’re at — remember, getting your finances prepped FIRST puts you in the driver’s seat. 🚗💨
Here’s to finding that perfect place! 🏡💛

17/06/2026

💼✨ Got a side hustle? Want it to help boost your borrowing power?
Here’s what you need to know:
1️⃣ Set up an ABN + run your income through a bank account
❌ Banks won’t count cash-in-hand or “under the mattress” income — it must be traceable.
2️⃣ Report your income in your tax return
✅ Most lenders want to see at least 18 months to 2 years of income reported to the ATO.
✅ The more consistent your income, the stronger your application.
3️⃣ Make sure your side hustle is profitable
👉 If your expenses are higher than your income, it could actually work AGAINST your borrowing capacity.
👉 Banks assess taxable income (income minus expenses), not gross revenue.
In short: structured, declared income = stronger borrowing position.
If you’re planning to grow your side hustle and use it to support future borrowing — chat with us. We help business owners of all shapes and sizes. 🚀

15/06/2026

👨‍💼 Self-Employed? Here’s something you need to know about borrowing:
Banks assess your income based on your TAXABLE income — NOT your gross revenue.
👉 Your accountant’s job is to help you LEGALLY minimise your taxable income through business deductions — which is great for tax time… BUT be careful:
The higher your expenses → the lower your taxable income → the lower your borrowing capacity.
If you’re thinking about borrowing in the next 12 months:
✅ Chat with your accountant & your broker NOW
✅ Plan ahead to ensure your business financials align with your borrowing goals
✅ Avoid surprises when it’s time to apply!
Being proactive today can help you borrow smarter tomorrow. 💡

11/06/2026

✨ "Today is your opportunity to build the tomorrow you want."
Whether it’s buying your first home, upgrading, investing, or simply improving your financial knowledge — small steps today create big changes tomorrow. 🌱
Your future self will thank you for starting now. 🚀

09/06/2026

💬 Just because no one taught you about finance… doesn’t mean you can’t master it now. 🙌
It’s never too late to start learning:
✅ You don’t need a finance degree
✅ No question is too “silly”
✅ You’re not “behind” — you’re just starting where you are
I love helping my clients:
🌟 Understand their home loans
🌟 Build better money habits
🌟 Feel CONFIDENT making big financial decisions
If you were never taught this stuff — you’re in good company. Most of us weren’t! But it’s never too old or too young to learn — and I’m here to guide you through it.
📚 Let’s start where you are. Together.

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.

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Sydney, NSW
2093

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