Build & Protect Financial Services

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Build & Protect Financial Services Finance Strategists in Sydney for first home buyers through to experienced investors. Let's talk to see if we can help you too- there's no cost or obligation.

Established in 2010, we help health professionals from first home buyers to experiences investors by saving them thousands of dollars and helping them to achieve financial freedom easier and faster.

Heading to open homes this weekend? The most confident spring buyers sorted their home loan first.Three things worth hav...
24/09/2026

Heading to open homes this weekend? The most confident spring buyers sorted their home loan first.

Three things worth having in place before Saturday:
→ A pre-approval checked against the homes you're shortlisting
→ The deposit sorted. On a $1.6M auction purchase, 10% is $160,000 on the day, and NSW auctions have no cooling-off period (illustrative)
→ A limit that includes stamp duty and costs

We take care of the lender legwork, so you can enjoy the weekend.

Free buyer's guide: https://buildprotectfs.com.au/first-home-buyer-blueprint/?utm_source=facebook&utm_medium=social&utm_campaign=2026-09-25_spring_weekend
Complimentary strategy call: https://buildprotectfs.com.au/contact/

Build & Protect Financial Services. Credit Rep 539491 of AFG, ACL 389087. General information only.

The renovation that makes your home better to live in can also help fund your next investment property.A strategy a numb...
24/09/2026

The renovation that makes your home better to live in can also help fund your next investment property.

A strategy a number of our clients use: borrow for the renovation, lift the value, then use the equity to invest.

Illustrative: a $1.5M home with $600,000 owing. Most lenders lend up to 80% of value without LMI. After borrowing $180,000, a $1.65M valuation leaves $540,000 usable. A $1.8M valuation leaves $660,000, more than they started with.

Each $1 borrowed costs $1 of equity. Each $1 of added value returns 80c. That is the threshold.

Free investor guide: https://buildprotectfs.com.au/property-investor-guide/?utm_source=facebook&utm_medium=social&utm_campaign=2026-09-24_renovation_equity
Complimentary strategy call: https://buildprotectfs.com.au/contact/

Build & Protect Financial Services. Credit Rep 539491 of AFG, ACL 389087. General information only.

Twenty years in financial services. The first stretch of it was not spent writing home loans.Mike Bell, our Founder and ...
21/09/2026

Twenty years in financial services. The first stretch of it was not spent writing home loans.

Mike Bell, our Founder and Director, came into mortgage broking from the advice side. That background trains you to look at a whole situation before recommending anything.

It changes the first question. Most broking conversations open with how much. This one opens with what for.

Underneath all of it sits a fairly simple belief. Every Australian should be able to get quality advice, the kind that helps them own a home and retire comfortably.

Credit advice is our lane. For everything either side of it, we work alongside a network. An accountant for tax and structure. A financial adviser for the broader investment strategy. A buyer's agent when a specific property needs sourcing. A conveyancer or estate planner depending on what is in front of you.

Complimentary 30 minute strategy call: https://buildprotectfs.com.au/contact/

Build & Protect Financial Services. Credit Rep 539491 of AFG, ACL 389087. General information only.

$994,891. That is the interest on an $842,000 home loan at 6.10 per cent over 30 years. Not the house. The interest.$842...
21/09/2026

$994,891. That is the interest on an $842,000 home loan at 6.10 per cent over 30 years. Not the house. The interest.

$842,000 is the average new owner occupier loan in New South Wales. Run to a full term, the interest comes to more than the amount borrowed.

Now say the rate drops 0.50 per cent. Two things can happen.

A. The repayment drops with it. That saves $96,743 over the life of the loan.

B. The repayment stays where it is and the difference goes at the balance. Same rate cut, and it saves $225,818, clearing the loan 3.7 years early.

A gap of $129,075. A is the one that happens automatically.

Interest is charged on the balance still owing, so how long that balance sits there matters more than the rate charged on it. In year one, $51,081 of a $61,230 repayment total is interest.

Repricing still matters and we do it for every client every six months. It is just the smaller of the two levers.

Do you know the total interest figure on your own loan?

General information only, not a recommendation for your circumstances.

Book a complimentary 30 minute strategy call: https://buildprotectfs.com.au/contact/

Build & Protect Financial Services. Credit Representative 539491 of Australian Finance Group Ltd, ACL 389087.

Ever wondered what actually happens in a free strategy call with a mortgage broker? Here's ours.30 minutes. No cost. All...
18/09/2026

Ever wondered what actually happens in a free strategy call with a mortgage broker? Here's ours.

30 minutes. No cost. All about you.

→ Your situation today, whether it's your first home or your next property
→ Your goals, and the timeframe that matters to you
→ How your lending could be structured to support them

We start by getting to understand what you're looking to achieve. You'll often leave with things you hadn't considered, and a better understanding of the impact of each decision.

Book yours: https://buildprotectfs.com.au/contact/

General information only. Credit Rep 539491 of AFG, ACL 389087.

Sydney is in a buyers' market, and our clients are making the most of it.Right now, we're seeing clients buy well below ...
17/09/2026

Sydney is in a buyers' market, and our clients are making the most of it.

Right now, we're seeing clients buy well below what the same properties would have cost 6 to 12 months ago. Fewer buyers competing, more room to negotiate, and time to make a considered decision.

Whether you're looking for a place to call home for the first time, upgrading to the next home for your family, or securing your next investment property, this is a market that rewards buyers who are prepared.

Property values move in cycles. Sydney values fell about 15% between 2017 and 2019, then went on to set new records. They fell about 13% in 2022 as interest rates rose sharply, then recovered to set new records again. Each time, the downturn felt like it would last forever. It didn't.

Values are down 4.7% over winter. Opportunities like this don't stay around forever, and for buyers who are prepared, this part of the cycle can offer real advantages.

Are you buying your first home, upgrading or investing? Tell us in the comments.

Book a strategy session: https://buildprotectfs.com.au/contact/

Source: Cotality, three months to August 2026. Build & Protect Financial Services, Credit Representative 539491 of AFG, ACL 389087. General information only, not financial advice. Past performance is not a reliable indicator of future performance. Consider your own circumstances and seek professional advice before making any decision.

Every business starts with a reason.We started Build & Protect because too many people were making the biggest financial...
16/09/2026

Every business starts with a reason.

We started Build & Protect because too many people were making the biggest financial decisions of their life, buying a home, taking on a thirty-year mortgage, with too little real guidance behind them.

We wanted to change that: real education and real advice from people who understand what's actually at stake.

But understanding isn't enough on its own. Picasso said it best: "Action is the foundational key to all success." Knowing your options only matters once you act on them.

That's what Build & Protect means to us. Build the strategy, so you get somewhere. Protect what you've built, so it actually stays yours.

Ready to take the next step? Book a free strategy call: buildprotectfs.com.au

Most brokers can get you a loan. We'd rather help you understand what that loan actually means for you, the relationship...
15/09/2026

Most brokers can get you a loan. We'd rather help you understand what that loan actually means for you, the relationship between good debt and bad debt, and how it fits into your household budget.

Start with the two kinds of debt. Debt on the home you live in isn't tax deductible. Debt used to buy an investment asset, property or shares, might be, depending on how the funds are used, so it's worth checking with your accountant or financial adviser before assuming either way.

The loan also shapes your day-to-day. Repayment size and structure affect what's actually left over each month, for saving, investing, or just breathing room, not just the number you get approved for.

Equity is often the most underused asset a busy professional owns. Used well, it can open up your next move. Left alone, it just sits there.

And we're not the only person who should be on your team. Most of our clients also lean on an accountant for tax and structure, a financial adviser for the broader investment strategy, a buyer's agent if they're sourcing a specific property, and often an estate planner or conveyancer depending on what they're working through. We help coordinate that network so you're not stuck chasing five people who've never spoken to each other.

What's your loan actually doing for your household budget right now? Drop a comment and we'll point you in the right direction.

General information only, not personal financial or credit advice. Consider your own circumstances and seek advice from a licensed professional before acting. Build & Protect Financial Services. Credit Rep 539491 of AFG, ACL 389087.

The market has already reacted to negative gearing reform — before it's even taken effect.National home values are down ...
14/09/2026

The market has already reacted to negative gearing reform — before it's even taken effect.

National home values are down 3.6% from their peak (fifth straight monthly fall). Sydney's top quartile is down 10.7%, Melbourne's 10.5%. Investor loan commitments fell 8.6% in the June quarter, the sharpest drop since September 2022.

Some people see numbers like these and sit it out. Others ask which properties still stack up on cash flow without negative gearing, or whether idle equity could work harder in shares, ETFs or managed funds instead.

Neither approach is wrong — it comes down to your own numbers and goals. Worth mapping properly rather than guessing.

Complimentary strategy call: https://buildprotectfs.com.au/contact/?utm_source=facebook&utm_medium=social&utm_campaign=negativegearing_20260914

Drop a comment: are you sitting tight or crunching the numbers right now?

General information only. Credit Representative 539491 of Australian Finance Group Ltd, Australian Credit Licence 389087.

Most people know the age they want to retire. Few know when their home loan will be paid off.Run a 30 year loan to full ...
09/09/2026

Most people know the age they want to retire. Few know when their home loan will be paid off.

Run a 30 year loan to full term and the total repaid can end up close to double what was borrowed. Carrying that into retirement can mean delaying retirement, drawing down savings faster, or financial stress in a life stage meant to bring more freedom.

With the right structure, many professionals become mortgage free in as little as 7 to 10 years.

Free guide, The Mortgage Elimination Blueprint: https://buildprotectfs.com.au/mortgage-elimination-blueprint/?utm_source=facebook&utm_medium=social&utm_campaign=mortgage_freedom

General information only, not personal advice.

Address

Level 1 60 Martin Place
Sydney, NSW
2000

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 9pm
Friday 8am - 8pm
Saturday 8am - 2pm

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