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Excel Finance and Advisory

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Excel Finance and Advisory

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Excel Finance and Advisory, Mortgage brokers, 105/4 Hyde Parade, Campbelltown, Sydney.

Industry experienced, access to over 60 banks and lenders, Helping clients with finance for their first home, next home, investment property, commercial property, business loans and much more..

22/10/2026

Offset or redraw? Both can help you pay less interest, but they work differently.

An offset account is a linked account. The balance reduces the amount your interest is charged on, and you can access the money any time.

Redraw lets you withdraw extra repayments you've already made, depending on your lender's rules.

Worth knowing: loans with offset accounts can come with a higher rate or extra fees, so compare the cost with the interest you could save. If it's an investment loan, speak to your accountant too.

Not sure which suits you? Visit https://excelfinanceandadvisory.com/ and contact us.

General information only, not personal advice.

19/10/2026

When did you last check your home loan rate?

Many borrowers stay with the same lender for years without asking if there's a better deal. A quick rate review can show you whether it's worth asking for a discount, comparing lenders or switching.

It takes a short chat, and there's no obligation.

Visit https://excelfinanceandadvisory.com/ and contact us for a free loan health check.

General information only, not personal advice.

16/10/2026

The RBA lifted the cash rate by 0.25% to 4.60% on 29 September, and many home loan holders are feeling it.

Here are 5 things worth looking at:

1. Check what rate you're paying now
2. Compare what other lenders are offering
3. Use an offset account or extra repayments if your loan allows it
4. Review your budget so you know your numbers
5. Talk to a broker about your options

You don't have to work it out alone. Visit https://excelfinanceandadvisory.com/ and contact us to review your loan.

General information only, not personal advice.

14/10/2026

Lenders Mortgage Insurance (LMI) you've probably heard the term, but here's what it actually means: it's a one-off cost that protects the lender (not you) if you borrow with less than a 20% deposit. It can add thousands to your loan, but there are ways around it.

Want to know if you can avoid it? Visit excelfinanceandadvisory.com to find out.

11/10/2026

Before you sign anything, ask your broker or lender:

1. What's the comparison rate, not just the advertised rate?
2. What fees apply application, ongoing, discharge?
3. Can I make extra repayments without penalty?
4. Is there an offset or redraw facility?
5. What happens if I want to refinance down the track?
6. How many lenders have actually been compared for me?
7. What's the total cost over the life of the loan?

Most people never ask number 4 don't be most people.

Chat with us at excelfinanceandadvisory.com.

09/10/2026

Interest-only: lower repayments while it lasts, and the interest may be tax-deductible useful for cash flow, but your loan balance doesn't shrink.

Principal & interest: repayments are higher, but you're building equity and paying less interest over the life of the loan. The right choice depends on your investment strategy.

Let's work out what suits your portfolio —excelfinanceandadvisory.com.

05/10/2026

Being your own boss shouldn't mean missing out on the right loan it just means lenders look at things a little differently: typically your last two years of tax returns or financials, BAS statements, and how your income has trended over time (not just one strong or weak year). Low-doc options exist too if your paperwork isn't quite there yet.

Business owner ready to talk finance? excelfinanceandadvisory.com.

03/10/2026

What actually moves your borrowing power?

Your income, existing debts, everyday expenses, deposit size, and the interest rate all factor in and small changes to any of these can shift the number more than you'd expect.

Curious what you could borrow? Find out at excelfinanceandadvisory.com.

30/09/2026

Myth: refinancing is expensive and not worth it.
Fact: exit costs are often minimal, and the savings from a better rate can outweigh them quickly.
Myth: you need perfect credit to refinance.
Fact: lenders look at your whole financial picture, not just one number.
Myth: refinancing means starting your loan term all over again.
Fact: you can often match or shorten your remaining term.
Myth: it's a mountain of paperwork.
Fact: we handle the comparison and the paperwork for you.
Ready to see what's possible? excelfinanceandadvisory.com.

27/09/2026

New quarter, new opportunity to check in on your loan. Three quick things worth reviewing: your current rate against what's on the market, your repayment frequency, and whether your loan features (offset, redraw) are actually working for you.

Book a quick health check at excelfinanceandadvisory.com.

Address

105/4 Hyde Parade, Campbelltown
Sydney, NSW
2560

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.excelfinanceandadvisory.com/

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