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Bishnu Aryal - Mortgage Broker - Australia

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Bishnu Aryal - Mortgage Broker - Australia

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Bishnu Aryal | Senior Mortgage Broker Finconnex

Home Loans, Made Simple For Everyday Aussies
⭐ 400+ 5-Star Reviews

👇 Book Your Free Strategy Call

linktr.ee/Finconnexfinancials

03/11/2026

Bad credit history? That's not the end of the road. 🔓
Bishnu explains why homeownership is still possible.
Full answer in the reel. 🎥

02/11/2026

Falling property prices could be good news if you're planning to upsize.

The Reserve Bank of Australia (RBA) meets tomorrow, with all four major banks forecasting a 0.25 percentage point increase after annual inflation rose to 4.3% in September, well above the RBA's 2%–3% target. This would take the cash rate to 4.85%.
Higher borrowing costs are already weighing on the property market, with PropTrack reporting that national home prices have fallen 3.3% from their peak.
While this may mean accepting less for your current home, the property you're looking to buy could also be cheaper.
Imagine your current home is worth $1 million and the property you want to buy costs $1.5 million. That's a $500,000 difference.
If both properties fall 5% in value, the gap narrows to $475,000, potentially saving you $25,000 on the upgrade.
The key is to weigh that saving against higher mortgage repayments, stamp duty and selling costs.

01/11/2026

Checking your own credit score hurts it? Closing an old credit card always helps? You need a perfect score to get a home loan? 🤔

Three credit score myths, three quick answers:

1️⃣ Checking your own score doesn’t hurt it. It’s a soft check, and it’s free.
2️⃣ Closing an old card can do the opposite, especially if it’s your oldest account.
3️⃣ You don’t need a perfect score. Lenders look at the full picture, and your score is just one piece of a much bigger puzzle. 🧩

Want to know where you really stand? Book a one-on-one call with our team via the link in my bio.

31/10/2026

Income's the obvious factor. It's not the only one. 🔍
Liabilities, assets, credit history, even character assessment all play a part.
Full breakdown in the reel. 🎥

30/10/2026

“We’ll look at buying next year.” Sound familiar? 🤔

Most people who keep putting it off aren’t short on money. They’re short on clarity.

There are too many decisions: fixed or variable, which lender, how much deposit, which scheme. There’s the worry of picking the wrong loan and being stuck with it for 30 years. And there’s the bank process itself: forms, waiting, and nobody explaining what’s happening.

So “next year” turns into the year after.

That’s exactly the part we take off your hands. We compare lenders for you, explain your options in plain English, and walk you through every step from pre-approval to keys.

If you’ve been putting it off, start with one 15-minute conversation. No pressure, no jargon. Link in bio.

General information only — not financial or credit advice.

29/10/2026

Ever heard of rentvesting? It’s how a lot of younger buyers are getting into the market right now. 🏘️

Instead of buying where you want to live, which might be out of reach, you buy an investment property somewhere more affordable. You keep renting in the suburb you actually love.

Your tenant’s rent helps pay down your loan. Your own rent buys you the flexibility to move whenever you want. 🔑

It’s not for everyone, and it comes with its own costs and risks to weigh up. But for some first home buyers, it’s the fastest way to stop watching from the sidelines.

29/10/2026

🏆 FINCONNEX RECOGNISED AMONG AUSTRALIA’S 2026 FAST BROKERAGES! 🚀

What a proud milestone for the entire Finconnex Financial team!

We are incredibly honoured to be recognised in Australian Broker’s 2026 Fast Brokerages.

What started with a vision to make finance simpler, smarter and more accessible has grown into something truly special.

But growth isn’t just about numbers. It’s about the families we’ve helped, the dreams we’ve supported and the trust we’ve earned along the way.

A massive thank you to our incredible team, valued clients, lending partners and everyone who has been part of our journey. ❤️

This recognition belongs to all of us.

We’re proud of how far we’ve come, but even more excited about where we’re heading.

The journey is just getting started! 🚀

FINCONNEX FINANCIAL
Fast Answers. Real Results.

28/10/2026

Income is just the starting point for your borrowing power. 💼
Bishnu breaks down what else lenders are really looking at.
Full breakdown in the reel. 🎥

27/10/2026

Walking into an open home without pre-approval is like going shopping without checking your bank balance 🏡

You fall for the place, then spend the drive home wondering if you can actually afford it. Meanwhile, another buyer who already knows their number makes the offer.

Pre-approval changes that. Before you inspect a single property, you know:
✔️ How much you can borrow
✔️ What your repayments would look like
✔️ Your price range, so you only chase homes that fit

Agents notice the difference too. A buyer with finance lined up is a buyer they can take seriously.

One thing to know: pre-approval isn’t a final guarantee. The lender still checks the property and your finances before full approval. Getting it early still gives you a big head start.

Let’s get your pre-approval sorted before you start inspecting. Book a free chat. Link in bio.

25/10/2026

Nobody says you have to pick just fixed or just variable. You can have both. 🔀

It’s called a split loan. Say 50% of your loan is fixed and the other 50% is variable.

The fixed half gives you certainty: the same repayment and no surprises. The variable half gives you flexibility: extra repayments, offset access, and it moves with the market. 📊

If rates drop, part of your loan benefits. If rates rise, part of your loan is protected. You’re not betting everything on one guess.

It’s not the right fit for everyone, but for a lot of people, it’s the calmest middle ground. ✅

DM us “SPLIT” and we’ll show you what a 50-50 split could look like on your loan. 💬

General information only.

Address

Suite 23, Level 3 301 Castleragh Street
Sydney, NSW
2000

Opening Hours

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

Telephone

0413428254

Website

http://www.finconnex.com.au/

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